davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

XXXX ; XXXX ; XXXX my estranged daughter XXXX XXXX, entered the Chase Bank in XXXX NJ XXXX and was allowed to withdraw {$92000.00}, fraudulently from my checking account.. I assume, XXXX told the banker I was unable to make any decisions and I was in a Nursing Home. That was a lie. On XX/XX/XXXX my daughter XXXX XXXX XXXX XXXX, demanded another {$120000.00} from me, after I already gave her {$50000.00} in XX/XX/XXXX, from the proceeds of the sale of my house, located at XXXX XXXX XXXX, NY XXXX. I lived there for 46 years.I worked for XXXX  for over 13 years. I know banking law and banking rules. I was XXXX bankers located in XXXX XXXX, NY. The banker in XXXX NJ failed to confirm if what my daughter stated was true. In addition the banker never confirmed if the POA, which I signed, in XXXX XXXX NY in XXXX of XXXX, was XXXXA bank must act in a fiduciary manner to protect a customers assets. In fact, my daughter XXXX XXXX, was removed as my agent, of my POA on XX/XX/XXXX, by e mail I sent her via XXXX. I can forward you a copy upon request mail. The banker failed to compare XXXX signature to tge signature on her drivers .I obtained copy of two withdrawal slips for {$46000.00} each. The signature does not look like my daughters signature. I suggest you ask Chase for a copy of my daughters NY Drivers License. The banker should if made a copy of her license..I accuse the Chase banker at XXXX XXXX NJ XXXX for XXXX her fiduciary responsibilities to safeguard my money. Due to Chase Banks negligence, My daughter, XXXX, was wrongfully allowed to take out {$92000.00}, in two separate {$46000.00} withdrawal slips, from my checking account.. The signature doesnt look like my daughter ) s signature. Please request, Chase bank video for XXXX ; XXXX ; XXXX. The banker failed to call XXXX XXXX, where I was taken on XX/XX/XXXX, after my daughter XXXX  me in my XXXX. My XXXX  XXXX  were XXXX. After one day, I was sent to XXXX XXXX in XXXX NJ, I had and still do have, all my mental faculties. I-have a XXXX XXXX and Chase owes me {$92000.00}, They failed to protect my money. Please order Chase to put {$92000.00} back into my Chase Account.I am XXXX XXXX XXXX and I need the money to relocate back to XXXX near my doctors.I must obtain needed Medical care. Please help me.
Consumer complaint received 2022-06-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (CO)

For context, we live in the mountains, and our season for renovations is very short because of snow. I started the HELOC process with KeyBank in XX/XX/2022 & am writing this XX/XX/2022 - a process that has now cost my family nearly 2.5 months wasted. 

Our first red flag was when we were informed that the appraisal on our home would be a XXXX review AFTER our application & credit score were pulled. Our loan officer XXXX XXXX & banker XXXX XXXX assured us that we had nothing to worry about & that this would be more convenient for us given our first lien amount and what we needed the house to appraise for to qualify for the needed HELOC for our renovations. 

Our house is a fully remodeled XXXX bedroom XXXX bath house - XXXX on XXXX acres of land. The average sale price in our neighborhood for our size home is XXXX- we provided a list of comps from our realtor all of which displayed this very clearly. After nearly 2 weeks of waiting, the appraisal for our home came in at a shocking XXXX. After a series of roundabout conversations, all of which were very confusing- we finally discovered that the comps used on our home by the appraisal company were a XXXX XXXX home and a XXXX XXXX sqft home both on smaller lots- which sold for around XXXX and were not updated. 

After asking KeyBank to review the appraisal and ask for an appeal, we were told that the appraisal company would not budge and we were out of luck. 

So here we are, 2.5 months later - contractors lined up - unable to make our dream renovations because we're at the mercy of a very shady relationship between KeyBank and their appraisal company. Our hands are tied, and we feel stuck & unable to reapply to other lenders for fear that our credit score will be negatively impacted. 

We are confused & frustrated and would never recommend anyone to give KeyBank their business.
Consumer complaint received 2022-06-29
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 XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report inviolation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$56.00}
Consumer complaint received 2021-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

On XX/XX/XXXX I consolidated all of my federal student loans with XXXX and made my first payment towards XXXX XXXX Loan Forgiveness ( XXXX  ) on XX/XX/XXXX. In XXXX I learned that XXXX mistakenly did not consolidate all of my loans and my Income Driven monthly payments were being applied in pieces to multiple sets of loans. I immediately sent written complaints to XXXX The U.S Department of Education, and any other authority that could take action. My argument was XXXX XXXXs expectation to have me realize their mistake early on was illegitimate because my monthly payment was based on my income and knowing how they were applying it was not information that would benefit me given that it was XXXX I was pursuing. In XXXX of XXXX I received a letter from XXXX that indicated that they recognized the error they made and I was informed that all of my loans were now consolidated into one ( as I originally requested in XXXX ) and that every payment I made would be retroactively based on my XX/XX/XXXX consolidation. What this means is that my XXXX clock should have began XX/XX/XXXX on my entire student loan file. Please see attached letter. When I recently moved my loans over to Fedloan Servicing ( as required for XXXX  ) and requested the status of my progress towards XXXX they sent me a chart indicating 11 different Federal Loans with three different estimated dates to qualify for XXXX. The estimated dates of qualification range from 16 months to 21 months after the date I had in my mind of XX/XX/XXXX ( 120 months after my first payment post-consolidation on XX/XX/XXXX ). The letter I received from XXXX in XXXX is attached. I should have one date of expected eligibility, not 3. And that date needs to be on or near XX/XX/XXXX, not XX/XX/XXXX like the estimate I received in the mail states. Please assist.
Consumer complaint received 2022-06-29
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-29
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: VW Credit, Inc (NY)

Hello, I have had an account with VW Credit since XXXX of XXXX. I have never missed a payment or been late, however, due to an error on the company 's website/payment portal, my account was charged twice in XXXX. I was advised by VW Credit 's customer service representative in that same month to take the issue up with my bank in order to get better results. My bank tried to resolve the issue, and as a result, VW Credit reported my account as 90 days late. I have written to VW Credit twice asking for a review and made disputes with their preferred credit reporting agency, XXXX, as well as mine, which is XXXX. My credit score dropped nearly XXXX points because of this, and VW Credit refuses to fix the problem after months of effort on my part. As of today, I was able to obtain my banking statement from XXXX of XXXX, showing the payments that were made to VW Credit from my business checking account. I have attached a screen shot of those transactions below. I am also happy to provide statements for XXXX or any other month, which will show payments made to satisfy my agreement with VW Credit. 
I would also like to add that during this time I was suffering from XXXX for over XXXX weeks, and VW Credit still refused to work with me on this dispute. It is my hope that the Consumer Financial Protection Bureau will advocate on my behalf and help resolve this issue once and for all. Thank you
Consumer complaint received 2022-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (AZ)

I did ordered 2 pieces of shoe racks from XXXX as a XXXX gift for my XXXXyrs old mother in XX/XX/XXXX. In XX/XX/XXXX one piece was sent with an email notification and immediately replied to the same email to cancel the second order since the product was not as described. The material was too cheap and does not hold a pair of shoes before it falls apart. I do have the email attached to the complaint document. Nevertheless, XXXX ignored my request and did send the 2nd order after XXXX towards XX/XX/XXXX. 
I called for a return packaging slip. Attached is an email as proof XXXX received the package and credited my account to XXXX balance {$0.00} as shown on the email. Few months after, I started receiving billing for the second order that was cancelled since I paid for the 1st order. XXXX sold this Account XXXX XX/XX/XXXX to " XXXX XXXX XXXX' in the amount of {$610.00} ( the shoe rack purchased costs {$28.00} each ). I hereby request from XXXX XXXXXXXX to delete {$610.00} from my credit report since the account is written off and not only that I do not owe XXXX nor XXXX XXXX a dime. This collection record is affecting my credit report in order to gain a reputable job in my career to feed my children.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NY)

The Lender GMC Financial has inaccurate reporting on my credit history. First with XXXX XX/XX/XXXX the are report my account as okay, but on XXXX  it's reporting as 30 days late XX/XX/XXXX. I called to try and right this and they claimed everything to be reporting correctly. I have confirmation emails proving that payments were made on time to account.

Lender is also reporting that I had one 30 days late payment in XX/XX/XXXX, that is inaccurate, I have XXXX XXXX confirmation on XX/XX/XXXX amounts paid of XXXX to the lender to prove that information false. Original amount monthly payments were only {$410.00}.
Consumer complaint received 2022-07-25
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. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00}
Consumer complaint received 2022-01-13
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I have not supplied poof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, I presume that NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (UT)

On XX/XX/XXXX XXXX XXXX, I initiated a standard transfer to my bank account from my Venmo account. When I initiated the transfer, I got a notification that the transfer was in a " review process '' that they do on all transfers. Roughly an hour later around XXXX XXXX  I got an email saying that my transfer has passed their review process, and that my transfer has been initiated. The expected transfer completion date shows as XX/XX/XXXX. 
The very next morning on XX/XX/XXXX I had gotten 2 emails from Venmo 1, stating that my account has been frozen and to upload a few documents to verify my identity which I've already done on the app once before when I opened the account. And roughly 45 minutes later I got another email saying that my account has been escalated to a specialist. the specialist informed that my account has been permanently closed. On XX/XX/XXXX the transfer wasn't in my bank account, and still to present day it hasn't been sent. I contacted Venmo support and they didn't tell me anything about what was happening with my money. I need my money asap or I'm going to be XXXX. I need this resolved immediately. 

I've searched online and this is a very common tactic done by Venmo, and I believe that their business practices are unprofessional, and borderline criminal for how much money they keep from accounts they close for no legitimate reason.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Someone did a rental agreement in my name worth {$17000.00} in Washington DC! The company has contacted me and theyre working with lowers to get off my credit report!
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX I am a consumer and I am submitting this complaint without any influence from a third party. Please see attached documents and ID as it contains my full complaint and related information.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, I recently in the months of XXXX, XXXX, XXXX, XXXX, and now XXXX disputed for the fifth time, a total of 18 individual Student Loan accounts with Experian. By the way, I asked for validation and verification of the reporting negative information all 18 of these accounts, which Im XXXX have been paid in full and consolidated into two accounts. All they did was update the accounts with a FP ( failed to pay ) status. The accounts clearly show on my recent credit report that I have made 100 % of my payments on time for all 18 accounts. So I then paid to have a {$29.00} fee to update my credit score to see if they have deleted these accounts and they did not. Please help me because this is not right and I have taken the proper steps to fix this issue and have not been successful.
Consumer complaint received 2022-06-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

To whom it may concern, I had gone thru a drive thru bank Well 's Fargo bank, In XXXX MN XXXX XXXX XXXX XXXX. on XX/XX/XXXX at Approximately XXXX PM I was trying to with drawl {$25.00} out of my daughter 's account I'am on her account I opened back in XXXX a college saving 's I had my driver licence just did not have my debit card on me that day. I was never questioned the middle age woman even before we started the transaction conversation, she seemed really rude impatient and high anxiety, mind you I have been to this bank several times before, to take care of banking business, I never had this problem before. The XXXX XXXX XXXX MN never questioned me. She said she didn't see my account at all I have a savings account separate from my daughter and my husband and I have savings at Well 's Fargo! The woman is a XXXX XXXX XXXX  teller, she also asked me, do I have a phone number to give to her while in the drive thru! That is personal information, I asked her can I speak to her manager, she said she was Unavailable and I could see her in her office so she mention that she will show her my driver license, i believe it took more Then XXXX minutes to take care of a simple drawl, transaction I also had a XXXX XXXX XXXX. I was finally able to with drawl {$25.00} out ... after all that I tried calling when I returned home no answer the next day no answer later on some one answer at that bank he said he will passed the message to Manager, I never receive a call back, until I call a couple day 's later and spoke to a XXXX XXXX she apologized, I asked her to email me. and felt bad of what had happened, and said she will speak to her appreciate I don't feel that was enough I tried to call the head quarter 's no one will answer the phone. I just felt like why would she treat me like that as a customer to myself? I have been banking with them since XXXX.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 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 XXXX  data breach and may have got into the hands of the wrong person.