davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Hello, On XX/XX/XXXX  I deposited a check from XXXX  for the amount of {$2100.00}. I work for the XXXX XXXX XXXX  and XXXX  is my retirement company that the XXXX uses. I was attempting to transfer money to my other retirement XXXX. XXXX  is an online account and does not accept checks. So I deposited the check ( i still have the original check ) and was going to move the money to my account. I have done this in the past and did not have any issues. Chase Bank depsoited the check which I later learned they should not have done and then seized and froze all my accounts. 

I have gone in directly to chase branches and tried to get my money moved back to me, XXXX XXXX XXXX For close to a year now I have been fighting with the chase to release my funds. I have talked to associate bankers, supervisors, and branch managers and still have not been able to do anything. I have been kicked out of branches and have been hung up on multiple times when dealing with the chase. 

In this l last round I was instructed to gather documents from XXXX providing its my money and giving my authority to receive the check or have it sent to XXXX. I provided all documents requested and can prove that the money is mine. I gave all requested signed documents to Chase and now they are saying they can't accept the documents and need a phone number for XXXX to verbally verify. I have provided every phone number I can find for XXXX  including their main number XXXX XXXX. Chase bank says they can not verify the number and refuses to call. When asked how I'm supposed to get my money I receive the answers I don't know, I am unable to answer that question, or They transfer me and then hang up. 


During this whole process, I have been laughed at, yelled at, and disrespected. I know this sounds like an exaggeration but it really isn't. and I know generally {$2100.00} isn't a lot of money but I've spent years trying to put that money together for my retirement. I struggle and try to do my best but Chase is putting me in a corner and not giving me any options. I've looked at legal options and I can't afford a lawyer to help me. I have all the original documentation, emails, and conversations. Please any help would be greatly appreciated.
Consumer complaint received 2023-07-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

i co signed on a truck loan with ally financial. we paid it off and have been waiting on them to send the title. we keep getting calls saying we still owe them, and my credit is being destroyed. it has dropped XXXX points since XX/XX/2023. 
we had put a complaint in about the title and still have not received it.
Consumer complaint received 2023-07-29
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. (TX)

I provided the credit reporting agencies Equifax and XXXX that the account XXXX XXXX XXXX : # XXXX is inaccurately reporting on my credit report. I even provided the documents which they state they are able to see. Per my original contract ( which was provided to the credit agencies, and collection agency ) with XXXX XXXX company 's original documents the date that the account was open and the amount are incorrectly reporting on my credit. It is against Federal Law to fraudulently report information that is knowingly inaccurate on a person 's credit report. I was told that the collection agencies do not have to provide proof that the accounts that they are reporting is correct. Even after I provided my original documents to the credit reporting agencies they refused to delete the inaccurate account from my credit report. I asked why this was and was told that they are taking the collection agency 's word over my provided fact checking documents, and that the only thing they could do was file another dispute. I have filed several disputes and nothing is being done to remove this fraudulent account from my credit report. The original contract I had with XXXX XXXX was voided because they never pulled money from my bank account, per the contract the money was to be directly paid each month. When I tried to contact them on numerous occasions about the account number that the employee wrote down, to inform them that it was not my account number and the money was never being pulled they would not update the information. XXXX XXXX kept giving me the run around and no one was willing to update my account with my account number. I never received the services because they never pulled the money from my account to pay for the services.
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC (FL)

An unauthorized purchase was recorded on XX/XX/2023 at XXXX. The purchase was for a matte XXXX XXXX XXXX, priced at {$820.00}. I am disputing this transaction because I do not have the credit or the means to buy such an expensive device. My credit score does not qualify me to afford or purchase an XXXX of this caliber. I wouldn't even be able to manage the monthly payments, considering the high cost of the phone and the phone plan. I believe this is either a glitch or an error in the system. In the past, I have attempted to purchase much cheaper phones but failed to meet the eligibility criteria. It is impossible for me to qualify and possess a phone like this according to my credit history. I request that this error be removed from my credit report as it has severely impacted my credit. ''
Consumer complaint received 2023-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CT)

The reason for submitting this complaint against Navy Federal Credit Union is their violation of my rights by disclosing my creditworthiness to third-party non-affiliates, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to resolve the issue internally, Navy Federal has failed to address the matter, necessitating the involvement of regulatory authorities such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Deposit Insurance Corporation ( FDIC ).
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023, my client, XXXX XXXX, utilized the XXXX payment platform to transfer {$77.00} from his Bank of America account to my XXXX XXXX account as payment for services rendered. The provided information for the transaction was accurate. Although I have successfully received both before and after XXXX payments, I have yet to receive this specific payment. While the funds were deducted from my client 's account, they were not credited to mine. I have attached two screenshots containing my XXXX information and transaction details, including the XXXX Transaction number, which should facilitate tracing the transaction. I have contacted my XXXX XXXX regarding this matter, but they reported no transaction history or pending activity. Additionally, I contacted the Bank of America XXXX support line, but they were unhelpful and advised me to contact my bank, which I had already done. It is crucial that this matter is resolved as all previous XXXX transactions have been instantaneous. Failure to address this issue could lead to the perception that either Bank of America or XXXX has engaged in fraudulent activity. XXXX Confirmation # XXXX ;
Consumer complaint received 2023-07-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC. (FL)

I have written to this company and the collection company they sold my debt to they wrote back to send it to another address of theirs. 

I provided my XXXX  XXXX debts showing they were on it and I have provided the discharge documents to them On one credit report, it shows charged off in collection XXXX on XXXX, it shows included in bankrupt but not discharged XXXX shows discharged
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX has been reporting inaccurate information on my credit report for over a year. The company did not conduct a thorough investigation and fix the error and this has caused me financial harm. Since then XXXX has been sued for a wide range of student lending failures.
Consumer complaint received 2023-07-17
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 (MI)

Dear PayPal XXXX XXXX, I am writing to you with regards to the recent blocking and limitation imposed on my newly created PayPal account. I am reaching out to address this matter and provide additional information to help clarify any concerns or misunderstandings that may have led to the action taken. 

Firstly, I want to emphasize that I am a new user on the PayPal platform and have not yet had the opportunity to engage in any transactions or activities that would violate PayPal 's terms and policies. As a newcomer, I am committed to using the platform responsibly and abiding by all the rules and regulations set forth by PayPal. 

I kindly request a thorough review of my account to understand the specific reasons behind the block and limitation. It is crucial for me to gain insight into any potential issues in order to rectify them promptly. I am willing to cooperate fully and provide any necessary information or documentation to verify my identity and resolve this matter as swiftly as possible. 

Furthermore, I would like to assure you of the utmost importance I place on security and compliance. I understand that PayPal has implemented robust measures to protect its users, and I appreciate the efforts made to maintain a safe environment for all transactions. I am fully committed to adhering to PayPal 's policies and guidelines and aim to build a trustworthy and long-lasting relationship with your platform. 

Please use my registered email address associated with the blocked account, XXXX, as the primary means of communication for any updates or further instructions regarding this appeal. 

Thank you for your attention to this matter. I sincerely hope for a fair assessment of my account and a swift resolution to the current situation. Should you require any additional information or have any questions, please do not hesitate to contact me. 

I appreciate your time and assistance in this matter. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-11-18
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing to dispute the following information on my credit report. I recently received a copy of my credit report and found the following inaccurate information reporting to my credit : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit profile and notice inaccuracies and/or incomplete information, and accounts that are inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FCRA- you are required to promptly report the credit obligation or account as current. If the furnisher makes an accommodation ; such accommodations defined as an agreement to defer XXXX or more payments or forbear any delinquent amounts. 

( F ) Reporting information during XXXX XXXX  ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) XXXX  during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXXXXXX  under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 


That being said, I demand that all late payments reporting late on these accounts be updated to PAID AS AGREED, NEVER LATE, and the amount to report as current. If you neglect to update this information, I will promptly file a CFPB complaint. 

I await your reply. Once you have fulfilled my request, please mail me an updated credit report reflecting these changes. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-06-13
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (WI)

DO NOT BUY ANYTHING FROM BEST BUY I purchased an electric oven from Best Buy on XX/XX/XXXX. 

They sent me a receipt with a charge for {$1000.00}, but they charged my credit card {$1300.00}. 

When I purchased the oven I added a service called Totaltech, which costs {$190.00}. It is a protection service and offers help with appliances. 

When I received the oven ( XX/XX/XXXX ) I saw for the first time the oven company warranty, which included the services I was interested in. The warranty is not available on the site for the oven at Best Buy. 

On XX/XX/XXXX, I contacted the company to cancel Totaltech service. They told me that my receipt did not include the service and that I didn't have it. Another agent told me that I had it but had been canceled. Attach you will see the receipt that I got and the charge on my credit card. 

I don't care whether I had theTotaltech membership or not. I want my money back : {$190.00} and whatever taxes or charges were tagged along. 

I want them to refund me the difference between the charge on the receipt and the credit card charge. 

They are a horrible company with thousands of complaints at the XXXX and for some reason, they have an A+ rating. 

They keep sending me from one agent to another and making me wait for hours. I did manage to talk to an agent yesterday who said he could not make sense of the difference. He said that he would escalate it. Attached ( last photo ) is also a photo of the " chat '' I started at XXXX XXXX today ( XX/XX/XXXX ) and the current time at the top is XXXX XXXX. That is how long I have been waiting for an agent to show up. 

I have read complaints at the XXXX of people trying to get their money back still after a year. I don't want to deal with this for that long.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I received an IKEA Projekt credit card from Comenity Bank  in XX/XX/XXXX. I ended up on 3 different promotional plans. One to expire XX/XX/XXXX. I made regular monthly payments of {$500.00} beginning in XXXX. In XXXX, I noticed a {$680.00} balance from the original amount of {$880.00} due on this " promotional plan. '' I called on XX/XX/XXXX to ask for the XXXX payment of {$500.00} to be allocated toward the remaining total. The representative stated the most she could allocate was {$190.00}. This was subtracted from my account on XX/XX/XXXX, and then added again on XX/XX/XXXX. My XXXX stated that my new balance was {$380.00}. See cut and paste from the bill below : PURCHASES & CHARGES XXXX PAYMENTS & CREDITS XXXX A {$190.00} CHARGE was ADDED to the XX/XX/XXXX promotional plan even though that was not reflected of new purchases. I called in XXXX. I made a {$500.00} payment, and an additional {$150.00} payment, per the advice I received. I called on XX/XX/XXXX. The remaining balance was the {$190.00} that I should not have had to pay at all, due to the fault in their allocation system. But because I wanted to avoid an interest payment or credit penalty in just a few weeks, I paid an additional {$390.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. All of these payments SHOULD have resulted in the XX/XX/XXXX payment being paid off as of XXXX, but instead I ended up with a {$2.00} interest charge for XXXX and XXXX, and that amount was outstanding on my bill. During a XX/XX/XXXX call, when I wanted to receive absolute assurance the account was paid off ( which I received ), I asked for an investigation. XXXX, the supervisor gave me a case number : XXXX XXXX XXXX. I made another regular {$500.00} payment on XX/XX/XXXX. I still had the {$2.00} fee on my XXXX bill. I called on XX/XX/XXXX, and received a {$4.00} credit for the interest charge and I was informed the {$2.00} charge was removed. I was also assured my credit was not affected. I was also told she would launch an investigation- but I was told that XXXX misinformed me, and no such investigation was launched XX/XX/XXXX as promised. *** The minimum payment due changed on each statement. But it ranged between {$230.00} to {$290.00}. I was always paying {$500.00}.
Consumer complaint received 2023-07-14
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. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I applied for Schwab brokerage account. They opened account # XXXX and let me connect my XXXX XXXX checking account thru application online with verification process. Then they allowed me to transfer my money in 2 deposits from my checking account ( {$300.00} total ). 
Then they restricted my account for no reason, so I was unable to place any trade or even transfer my money back to my checking account. 

I chatted with their representatives 4 or 5 times and every time they promised that I will be able to transfer my money back next day, then XX/XX/2023, and then Friday XX/XX/2023. I am still unable to transfer my money. So, they literally froze my money. 

They asked me to unfreeze my XXXX report to transfer my money back which I considered illegal. They opened my account without it and let me transfer my money from my checking account and then ask me to do thing to be able to transfer it back. They told me via chat that they allow me to transfer my money back in the beginning, but then refused to do so. 

I ask agency to fine Schwab company for illegally hold my money and unavailability for me to use my money or transfer it back to my checking account and to order Schwab give my money back ( {$300.00} )
Consumer complaint received 2023-04-01
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. (CT)

I am writing to inform you of several errors on my credit report issued by TransUnion, which I brought to their attention on XX/XX/XXXX. As of today, TransUnion has not yet responded to my inquiry. I am requesting that you investigate and correct these errors as soon as possible. 

The following account was never late : XXXX XXXX ( Account # XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} ). Please correct/update this inaccurate information on my credit report. 

The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$77000.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6000.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$610.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2500.00} ). Please remove it from my credit report.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX equifax and XXXX has violated my consumer rights by furnishing unverified accounts this account is the result of identity theft DELETE XXXX XXXX XXXX Original creditor : XXXX XXXX DELETE ALL NON ACCOUNT HOLDING INQUIRIES ALL INQUIRIES ARE FRAUD FTC REPORT ATTACHED & ID