davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (CA)

ServiceMac started an impound escrow account without notifying me even though I don't owe any back property taxes, which they can see and confirmed on their end. My mortgage withdrawal amount was {$1800.00} per month. Then on XX/XX/2023 they changed it to {$2600.00}, which makes no sense and is not even the correct monthly amount to equate to my bi-annual property tax amount of {$2900.00} or {$5900.00} per year. An accurate escrow amount would equate to {$490.00} per month but they are charging 173 % of that amount. I called and complained and was told I need to fill out an Escrow Waiver Application but that it will take 30 days to process once received and there is no information about how to return the excess funds they have taken. After XX/XX/XXXX, they will have {$2600.00} of additional funds which will also have resulted in a loss of interest from my savings account and have not been applied to my mortgage balance. For three days I have tried calling ServiceMac and logging into their website to get information about my loan balance and receive customer service assistance but neither their website or phone number is working. None of the links work on their site. The prerecorded answering service does not work, acknowledge any input like my SSN and if you get far into the automated answering service, it eventually just says they are " experiencing technical difficulties. '' This is utterly preposterous. How can a company of this size just take funds out of my bank account without any recourse and then have their entire system go down for days on end without any support for their supposed customers? And if I don't pay the incorrect amount of {$2600.00} on XX/XX/XXXX, then my mortgage goes back into escrow default and the impound account stays open in perpetuity, collecting the incorrect amount. So I basically have to continue to pay them the incorrect, excessive amount of money, to my own tremendous detriment, or I am forever locked in an impound escrow loophole that nobody can resolve over the phone and that takes 30 days to process a piece of paper that has no information on it whatsoever that identifies me or my account.
Consumer complaint received 2023-12-22
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 ()

To whom it may concern.

I trust this message finds you well. My name is XXXX XXXX, a dedicated PayPal user with an unblemished track record in adherence to the Acceptable Use Policy.

Regrettably, I recently received an alarming notification through the " You can no longer do business with PayPal '' email. In light of this, I am reaching out, guided by legal counsel, to bring to your attention the potential error in this policy enforcement and to request the immediate restoration of my account to its full functionality. 

My primary use of PayPal revolves around legitimate transactions related to my XXXX XXXX XXXX XXXX. Additionally, my PayPal account is duly authenticated and linked to the XXXX website, where I derive income from my XXXX XXXX. A thorough examination of my transaction history will affirm the authenticity and conformity of my account activities, with no association to XXXX  content or any violation of the XXXX. 
Perplexingly, I am at a loss as to what may have triggered this suspension, a sentiment echoed by numerous users on XXXXPayPal who have experienced similar unwarranted account restrictions in recent days. The collective concern is not only about the potential harm to individual users but also the broader impact on public trust in PayPal as a reliable service. Should these grievances find their way to regulatory bodies, it could pose a reputational risk for PayPal. 
To facilitate a comprehensive review of my case, I have attached the link to my profile on XXXX, along with pertinent details of my account. I kindly request that you escalate this matter to the appropriate internal department responsible for handling PayPal account issues. Human intervention is crucial at this juncture, as automated responses have thus far been unable to provide satisfactory resolution, that's why I'm refering to this email address, I've been days chatting to bots, I have {$330.00} that I cant no withdraw. 
I eagerly anticipate your prompt attention to this matter and a favorable reconsideration of the imposed account limitation. Your assistance in rectifying this situation is invaluable, and I look forward to hearing back from you at your earliest convenience. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$340.00} XXXX XXXX  XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

@ Merrill Lynch, through my pervious XXXX XXXX, I have a Non-Qualified Deferred Compensation Plan. On XX/XX/XXXX, I along with all others who have this plan lost access to our Account. Access to this account was lost for over ~2 months. Every time I called Merrill Lynch, we were told that they were having issues a third party that maintains the system for them. This money in this account ( I have large amount in it ) is invested in securities that move with market. So for well over 2 months, I did not know where I stood with my account. The company said, they could give me my balance, but to request details I needed to submit a request. Finally after waiting XXXX weeks, I requested a detailed report showing my account balance and how my valuation was changing with the market. I never received this report. Then just recently on XX/XX/XXXX I receive a report saying the XXXX party maintaining this system for Merrill Lynch had a data breach and that my account along with all others could have been compromised. The letter along with the approach taken by Merrill leads me to believe that Merrill is distancing themselves from their accountability and their fiduciary responsibilities. This is one of the most egregious problems I've seen and actions by a financial company.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

There are several credit card hard inquires on my account that I did not make or authorize. I want them taken off of my credit report Immediately. 

XXXX XXXX XXXX XXXX. JPMCB Card Services ( Bank ) XX/XX/2023 XXXX. JPMCB Card Services XXXX Bank ) XX/XX/2023 XXXX. XXXX XXXX ( Bank ) XX/XX/2023 XXXX. XXXX XXXX ( Bank ) XX/XX/2023 XXXX. JPMCB Card Services ( Bank ) XX/XX/2023 XXXX. XXXX XX/XX/2023 I've already called XXXX and XXXX and they told me to called the FTC and generate a report form, but when I went to FTCs website and called the FTC number they both rerouted me to this website so I cant finish filling ... because XXXX XXXX XXXX said they expect the document from FTC to be mailed to the or they cant continue the investigation so I need your help now.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In the XXXX data brench all my information was stolen and used. With this being said I just want my cumsumer report corrected. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

There is incorrect name spelling and other names listed. There is incorrect identification number with these names. There are incorrect addresses continuing to report. I have put multiple security freezes on my identity theft during Covid-19 and showing that accounts have been compromised by this. I have filed disputes and nothing has been resolved.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I requested my former spouse be removed from XXXX accounts ( accounts ending in XXXX and XXXX ). I was provided the paperwork on XXXX XXXX to make the requested changes. They were provided to my former spouse 's lawyer, signed, and returned to me. I signed and provided the documents and uploaded them to USAA 's website on XXXX XX/XX/2023 at XXXX. It's been over 30 days and they have not removed her from the account. They claim they are backlogged. I requested a statement saying as much to provide to her lawyer. They will not provide an email or message stating they are backlogged. I have spoken to over 6 different agents on the phone. They give excuses and ask me to call back in a few days. It's been over 30 days for a simple name removal on a checking and savings account.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX Balanced {$1400.00} XXXX  XXXX XXXX Balanced {$810.00} XXXX XXXX XXXX XXXX Balanced {$990.00} XXXX XXXXXXXX XXXX Balanced {$830.00} XXXX XXXX XXXX XXXX XXXX Balanced {$2000.00} XXXX XXXX Balanced {$1200.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$820.00} XXXX XXXX XXXX XXXX Balanced {$960.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$1200.00} XXXX XXXX  XXXX Balanced {$630.00} XXXX XXXX XXXX Balanced {$890.00} XXXX XXXX XXXX Balanced {$440.00} XXXX XXXX XXXXXXXX Balanced {$2400.00} XXXX  XXXX Balanced {$3200.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced {$870.00} XXXX XXXX Balanced {$350.00} XXXX XXXX XXXXXXXX Balanced {$5700.00} XXXX XXXX XXXX XXXX Balanced {$1100.00} XXXX XXXX XXXX XXXX Balanced {$1600.00} XXXX XXXX XXXX Balanced {$100.00} XXXX XXXX XXXX Balanced {$62.00} XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$3400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-12-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I called the customer service hotline and requested a 12 month Certificate of Deposit that I had with the bank, Capitol One, to be closed out in the amount of {$10000.00}. The phone agent gave me the option of choosing an internal transfer to another Capitol One account or a check. Since I do not have a primary bank account with Capitol One, I chose the latter. 


I waited for approximately XXXX weeks for the check to arrive and never received the check. When I called to inquire about the status of the check on XX/XX/XXXX they said they had mailed it out on the original date I requested it to be sent. At that point we presumed the check was lost in the mail and they promised to put a stop on the old check and start the process of sending in a new check or by ACH. This required me to sign an affidavit by email to confirm that I had indeed never received the original check. 


However, on three different occasions ( XX/XX/XXXX, and XXXX ) I had to follow up with them to ask for the affidavit to be sent as it was not arriving by my email. By the third time I had requested that it be sent to a different email account separate from my primary account. I still had not received this information and they kept promising that the affidavit would be sent. 


On XX/XX/XXXX, I lodged an official complaint with Capitol One to protest the lack of receiving an affidavit. While on the phone with them I learned that they would also require 90 days after signing the affidavit before they could reissue a check or ACH as they stated that the original check was still outstanding despite them putting a stop on it and since the check was guaranteed funds, they had to wait out the legal period the check could be active until they could reissue it. That would put the date somewhere into XXXX or XX/XX/XXXX before I could hypothetically receive my money back. 


I protested the matter stating I could not wait 3 months for my check/ACH to arrive, as I need the funds to be deposited now. The manager seemed sympathetic but was unable to help. Now I'm stuck in the position of having to wait for an affidavit that will always somehow not arrive along with having to wait an additional 90 days on top of that to receive my funds. Capitol One has been fairly unprofessional in helping me to resolve this matter outside of one or two people and I am looking to get my money back from them.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I filled a dispute with chime XX/XX/XXXX. Upon filing the dispute I received an email from chime stating the transaction is not eligible for a temporary credit. It has been 14 business days since I filed this dispute. I filled a different dispute on XX/XX/XXXX where I received an email also stating I was not eligible for a temporary credit however XXXX business days later I received a temporary credit. Both disputes were for non receipt of goods/services. I called today to see why I am not receiving a credit for XXXX dispute and I was met with vague information and was told its because of the dispute type. Chime is using deceptive practices against cardholders and they are not honest nor fair. Under Regulation E, if a consumer files a written notice of error and the bank requires more than ten business days to determine whether an error occurred, the bank can take a longer time, provided it provisionally credits the amount in dispute to the consumers account. That is the law!
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX my son and I deposited {$2000.00} into the ATM, Chase Bank XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, OH XXXX. ( XXXX ) XXXX. While the machine was processing the deposit, the machine malfunctioned. We were issued a receipt with a telephone number to call and file a claim. We stayed at the ATM and called the number to file a claim and explain what had happened. The funds were initially deposited into the account, then reversed on XX/XX/XXXX, {$1800.00}. I went to the branch on XX/XX/XXXX and spoke with the manager, XXXX, XXXX, about the concern. I was told a second audit would be completed within 3-5 business days and we would hear back. As of XX/XX/XXXX, there was no follow-up on the second claim request. At this time, XXXX escalated the complaint and stated that we should hear something by the following week. On XXXX, Chase Escalations called and informed us that the claim was denied due to insufficient funds. I called the claims department at XXXX to inquire about this. The representative and supervisor told me that nothing more could be done. I requested a call back from the manager. On XXXX @ XXXX, I spoke with/ XXXX XXXX the XXXX from the claims department, she reiterated that the claim was denied. I requested what could be the next steps and I was told I had no options through the claims department. I inquired as to what goes into the investigation process and whether or not the cameras can be reviewed. I was told this is not part of their process.
Consumer complaint received 2023-12-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I was issued an AMEX gift card from my employer for {$120.00} as a holiday gift. It declines everywhere. I tried with various items and merchants. I called AMEX to fix it. AMEX told me to ensure if it was an online merchant that they ask for the card number, expiration date and security code when entering the payment method. Every merchant I attempted to purchase from asked for all of those and it still declined everywhere. The gift card is basically useless.
Consumer complaint received 2023-12-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: South Mississippi Collection Services Inc. (AL)

I received services at a hospital in MS XXXX XX/XX/2023. I do not have insurance, so I was expecting to be billed and I would take care of the bill. However on XXXX I received a bill from a MS collection service.phone # XXXX and in that letter it said I have a collections from a service on XX/XX/2023 from a XXXX XXXX, XXXX acct # XXXX Mind you this is only 38 days from date of service and I have not received a bill via mail, email or electronically. So I have not had the opportunity to see what this service was for or an opportunity to pay it. I called the collection company and told them I wouldnt be paying anything until I received some kind of bill that I could reference from this XXXX XXXX
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX SYNCHRONY BANK ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

my Information was t was sold and bought illegally because I was a victim in Equifax Data Breach, I want my credit report deleted all names and addresses the does not agree with me address and name. Equifax has admitted the I was victim in the Data Breach and has done nothing to Please help me Delete all the Accounts that are not mine. Equifax have not even compensated me for the Data Breach and this have cause many emotional pain in my life