davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
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. (MI)

I have filed a complaint on numerous occasions against XXXX XXXX with equifax. The account shows to be opened and XXXX XXXX is reporting the account is missing payments every month but the vehicle was voluntarily surrendered by me and sold by XXXX XXXX  in XXXX of this year. XXXX from the complaint department has been handling my complaint. She is very unprofessional, not knowledgeable at all and refused to get me a supervisor when I demanded one several times on more than one day. Everytime I call XXXX XXXX they route me to XXXX and its unbelievable that someone so incompetent of their job is handling my complaint in the first place when I have asked for supervisors who are more knowledgeable of this situation. I no longer have the vehicle it was sold in XXXX the account is suppose to report CLOSED due to voluntary repossession. XXXX stated that there is nothing that they can do and to contact equifax. Equifax stated that I have to contact credit acceptance. No one is helping me. This is my 2nd complaint.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Citibank blocked my account with {$910.00} on XX/XX/2021 for no reason and when I called them they say they have to send a text message in order to verify my information but their system can't send it to my phone number, the same phone number I've been using since I opened my account with them and the same phone number they have on their system. After multiple calls with them for more than an hour their only response was " sorry we can't help you until we send that text '', now I have no money and no access to my funds because " the system can't send the text ''.
Consumer complaint received 2021-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Chase closed all of my bank accounts without any notice. I only learned of the situation when I received a notification that an automatic payment did not go through. I called Customer Service and they asked why I was calling - I stated that I needed them to tell me why I was calling given the issue with the payment. After a very long hold, the person informed me that my account was restricted and she had to transfer me. Again, explained the situation and was placed on hold and then informed that they had cancelled all of my accounts. When I asked why, she said she was not sure. When I asked how to get the {$50000.00} out of my accounts, since I tried unsuccessfully to access them prior to the call, she put me on hold again. She then said that the bank would send me the money. I asked when and she did not know. I asked if it could be overnighted - she did not know. She put me on hold again and then said I could go to a branch and get the money but they will need to call in to get a special code to release the funds. Asked again for clarification - you closed my accounts but I cant just go to the bank to get my money? She said yes. My husband went to a branch, asked to withdraw the funds, and was told they couldnt release the money and would need to call to get approval and that it could take hours. The banker said they would call when it was completed. That was on XX/XX/XXXX and it is now XX/XX/XXXX. I am not able to access or transfer any of my funds.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NV)

I have 2 accounts at Wells Fargo, on thurs the XXXX of XXXX. I sent a friend {$500.00} through XXXX  and was called by fraud dept. I was fully verified and the transfer was sent to the receiving party, on Fri the XXXX I initiated a transfer by wire for {$1800.00} to my friends Wells account which was again stopped by the fraud dept, department, called in and they locked my online banking and have since told me to come in branch to verify Identity.I work 12 hours a day 7 days most weeks, I start work before the bank opens and come after closing. I have always been an online customer and don't have the luxury of coming in due to work schedule.I have been on the phone 2 times per day at least for almost 5 days.They refused to close my account upon asking, the agent on the phones name was XXXX.
Consumer complaint received 2018-02-23
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. (MD)

I have sent several certified mailings concerning accounts, wrong address, inquirie removals and the customer service has been horrible. Nothing has been done and I haven't had anything " verified ''. 
My accounts in collections are not the original creditor. Contract was cancelled and I have no further obligation. There is no contract for any of my collections. I have tried everything and keep getting the run around.
Consumer complaint received 2021-05-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

This is my second and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the mental, physical, and emotional stress your company 's negligence in reference to this deformation to my reputation due to your false report. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account XXXX/XXXX XXXX # XXXX shows closed date of XX/XX/XXXX and reporting 2 months of late payments after that date which can't be due to the account was closed Account XXXX/XXXX XXXX # XXXX shows closed date of XX/XX/XXXX and reporting 2 months of late payments after that date which can't be due to the account was closed. 

Account XXXX XXXX # XXXX reporting inaccurate open date of XX/XX/XXXX.
Consumer complaint received 2021-06-24
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: KEYCORP (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-11-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I have not had access to wells Fargo auto account after the company closed their dealer service website. i tried to sign on through the regular website wellsfargo.com and it tells me to re-enroll. Then ask for access to information they have no right to like ( IMSI and IMEI ). They also changed the phone number on my account as well. Sounds like the company is trying to illegally access my phone. I would like for you to contact them and make them give me access to my account.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I have tried several times to fix this inaccurate public record on my consumer report. My file has been mixed or merged with someone elses and the bureaus failed to properly investigate. They said they verified with XXXX XXXX, XXXX XXXX removed this fraudulent public record after an investigation ( I have attached proof ). I contacted the US Bankruptcy court they said they did not report any information concerning me to any of the bureaus ( I have attached proof ). Lastly I have filed a report with the CFPB about my situation with the merged file ( I have attached proof ). I will not stand for this blatant violation of my rights.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Creative Finance, Inc. (WI)

After receiving chapter XXXX discharge in XX/XX/XXXX, Creative Finance at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX WI failed to update correct information. It shows on my report as follows. It's appearing under ACCOUNTS>CLOSED ACCOUNTS, ACCOUNT TYPE installment loan, BALANCE $ -, PAYMENT STATUS current, ACCOUNT STATUS closed, PAYMENT STATUS included in chapter XXXX bankruptcy and XXXX PAYMENT HISTORY shows as negative items because they have it listed as XX/XX/XXXX 30 DAYS OVERDUE, XX/XX/XXXX VOLUNTARILY SURRENDERED and XX/XX/XXXX as NEGATIVE. I have disputed it, contacted Creative Finance via phone and mailed them a written request asking them to please remove or update payment history because it's directly affecting my ability for a fresh start, it's affecting current and future credit reports and scores, having a direct impact on my ability to obtain loan in future, interest rates and is continuously affecting my future every day it's on my report. XXXX will not allow me to dispute it again and Creative Finance will not respond to verbal or written requests. I have been forced to contact legal counsel in attempts to get this matter resolved
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

Seterus Mortgage sold my loan servicing to XXXX XXXX XXXX on XX/XX/2019. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX stating they had taken over the servicing of my loan and that I had not made my XXXX or XX/XX/2019 mortgage payments. My loan is currently in their lost mitigation, collections, department! 

I emailed and faxed copies of my cashed checks to XXXX XXXX XXXX, front and backs which shows and proves that Seterus Mortgage received and cashed my XXXX and XX/XX/2019 mortgage payments before they transferred the servicing of my loan to XXXX XXXX  XXXX!! 

XXXX XXXX  XXXX has all of the documentation and has stated that it is up to Seterus Mortgage to decide if the payments were received! I feel its an issue that both these servicing companies need to resolve! I have given them proof that I made those payments and Seterus cashed and received them. This has been going on for almost sixty days and needs to be resolved now!!!
Consumer complaint received 2019-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IA)

The company I am submitting a complaint about is PayPal. This company denied a dispute I had regarding a {$150.00} transaction for an order I did not receive. The order was placed on XX/XX/2019 with a company named XXXX XXXX XXXX. I was informed of tracking info that I would receive shipment on XX/XX/2019, but shipment was not received. Upon working with XXXX to recover shipment, XXXX informed me that the tracking number associated with the package XXXX XXXX XXXX claimed they sent to me was erroneous. XX/XX/XXXX tracking information indicated that the shipment went to a different address than the original order and that it was signed for by a person that does not reside at my single family residence. I informed XX/XX/XXXX by email that I did not receive the shipment and that the tracking number they sent me did not match. I filed a dispute with PayPal online on XX/XX/2019. PayPal claimed that they contacted XXXX XXXX XXXX and that XXXX XXXX provided proof of delivery. It is quite apparent that PayPal did not contact XX/XX/XXXX in this dispute. I believe that PayPal only did a cursory check on the XXXX tracking number and did not verify whether the tracking number and tracking information was correct. This is an incomplete and unacceptable investigation on PayPal 's part and thus PayPal has failed to protect a long-time customer.
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

THIS IS NOT ABOUT THE SAME ISSUE THAT I JUST FILED THE LAST COMPLAINT. I DO REALIZE THERE MAY BE A LANGUAGE BARRIER HERE BECAUSE I HAVE BEEN FILING COMPLAINTS WITH NO RESULT FOR SOMETIME NOW. SO TO MAKE THINGS AS EASY AS POSSIBLE I FILE MULTIPLE COMPLAINTS WHEN EVER POSSIBLE. 

XXXX XX/XX/2021 I filed a dispute of charges but they said at first it was not " possible '' to dispute XXXX  charges. Then I filed successfully and they have rejected my dispute with no evidence to prove that I made these charges. I am not sure what court one can go to where a person wins and provides absolutely NO EVIDENCE. 
ALL COMMUNICATIONS MUST BE WRITTEN
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (OH)

This past year I had to claim bankruptcy so I went on XXXX XXXX to see what secured credit cards they suggested. I got a card with First Progress XXXX by giving them a XXXX dollar security and a XXXX fee. As soon as I received my card I registered it on line and immediately paid the XXXX fee. That was on XXXX XXXX. Than I started using the card and sent in an additional 2 payments. There was a first payment due date of XXXX XXXX for XXXX and I made a total of 3 payments before that date, trying to raise my credit score. The 1st payment was on XXXX XXXX to pay the fee, than I used the card for purchases and made another payment for XXXX on XXXX XXXX, and then used the card again and made a 3rd payment of XXXX on XXXX XXXX. After that payment I was not going to use for awhile until I could see if it was raising my score. When I went on XXXX XXXX I seen my score DROPPED 103 POINTS! I was so upset I logged on to First Progress XXXX to see what was going on and they charged me a XXXX late fee. I called them all upset wanting an explanation and they said they will remove the fee but could only do it once. I got upset and told them I was more worried about my credit score and wanted it fixed. They said no, that their information was right so I filed a claim with the XXXX and they ( XXXX XXXX ) referred me to you. I have my bank statements to prove First Progress is lying and taking advantage of people I low places that are trying to get their lives together and start over. First Progress XXXX is in the the business of making money off of low income people. I also believe that XXXX XXXX is responsible also, and should also be held accountable.
Consumer complaint received 2019-12-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

3rd REQUEST FOR ACTION! 

I recently submitted several complaints to Equifax & XXXX regarding a Chapter XXXX  bankruptcy reporting on my credit report. After careful investigation and wording of the law, it states the following : According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX  bankruptcy CAN remain on your credit history for UP TO 10-years from the filing date. For a Chapter XXXX  bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " CAN '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " UP TO '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. My bankruptcy is scheduled to be deleted in XX/XX/2020. 

I am applying for a mortgage and this is severely impacting my ability to obtain reasonable financing. I am asking XXXX & Equifax to read the above law by the FCRA and delete this item.
Consumer complaint received 2019-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2019 I purchased a pair of concert tickets for {$50.00}, the seller chose PayPal as the method of payment and instructed me to choose the " friends and family '' option. Me, who rarely uses and is largely unfamiliar with PayPal, agreed and sent over {$52.00}. Once I was emailed the tickets, I discovered that I was not forwarded the ticket order shown to me during discussing purchasing the tickets but rather forgeries. I immediately contacted PayPal to try and cancel the payment but was told since the money was already sent with the 'friends and family '' option there was nothing that could be done besides contact the seller and ask for a refund- which I promptly did and was denied.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2019-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC. (GA)

ON XX/XX/2019 PINNACLE RECOVERY , INC . SENT A LETTER TO ME ABOUT A DEBT THEY CLAIMED I OWED IN THE AMOUNT OF {$11000.00}. THE ORIGINAL AMOUNT WAS {$8400.00}. I IMMEDIATELY SENT A LETTER ON XX/XX/XXXX TO THEM AND TOLD THEM THAT THIS IS NOT MY DEBT. I RECEIVED NO RESPONSE UNTIL TODAY WHEN I RECEIVED ANOTHER STATEMENT SAYING I OWE THE MONEY AND THAT IF I DO NOT PAY BY XX/XX/XXXX THEY ARE GOING TO REPORT THIS TO THE CREDIT BUREAU. THIS DEBT IS FOR A MORTGAGE AND I HAVE NEVER OWNED A HOME. IF YOU LOOK BACK TWENTY YEARS, THIS HAS NEVER BEEN AN ACCOUNT ON ANY OF MY CREDIT BUREAU REPORTS. I AM SENDING THEM A SECOND LETTER TODAY AS WELL AS CONTACTING THE XXXX. PLEASE HELP ME TO RESOLVE THIS ISSUE. ( THE ORIGINAL COMPANY HAS NEVER BEEN ON MY CREDIT REPORTS EITHER. )
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I had a credit card that was applied for around XXXX which was originally " Air Tran ''. 
I am not sure which year ... but it was taken over by XXXX and Chase Bank. I had a balance on it through " Air Tran '' that was under a promotional rate of 3.9 % until it was paid off. During the time that I was paying down the credit card ... I never used the card for purchases. I had paid the credit card off in early XXXX. I still did not make any purchases and then in XX/XX/XXXX ... I see a {$39.00} charge. When I originally applied for this card ... there were no fees. Because I did not make purchases ... I never reviewed my statement as I just continued to make the minimum payment ... for many years. After reviewing my previous statements, I realized that they have been charging this fee since XXXX. I immediately cancelled the card. ( I had a XXXX limit on the card ) They waived the {$39.00} fee for XXXX but refused to waive the fees from the previous year. I was never given any proper notification ... no email ... nothing in the mail. I want my {$78.00} back. I asked them and they refused. I am assuming since Trump took over ... the credit card companies are back to their old ways. They started charging the {$39.00} years after they took over the credit card. They are a big bank making big money off of the little guy!!!!!