davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (CA)

I applied for a loan for airfare on XXXX XXXX on XX/XX/2024. I was redirected to the Affirm website. Affirm redirected me to a page asking me to make a payment as a previous loan payment had been missed. The way the page read gave the impression if I paid the late payment first, my loan would be approved. I was not denied the loan at that time. As soon as I paid the missed payment, I was denied. Affirm knows they were wrong because they have now changed the entire process- now, if you apply and are behind, they immediately deny you instead of redirecting you to make a payment for an approval.
Consumer complaint received 2024-01-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I had a Chase Bank CD mature that I wanted to withdraw by cashier check. The person assisting me entered the withdrawal on this computer but was unable to complete the transaction and give me the cashier check or put it in my checking account due to a computer glitch. He described it as a computer outage in the middle of the transaction. He was unable to resolve the issue and told us he would call us later in the day when it was resolved. At the end of the day, he called and said it was not resolved and he would work on it the next day ( XX/XX/XXXX ). I called the branch on XX/XX/XXXX to determine if there was a resolution ( no call by the branch ). They told me that they would call later in the day to tell me the resolution ( no call ). On XX/XX/XXXX, the branch called to tell me they were escalating the problem and it would take up to 5 days for my funds to be available. They also told me the escalation team would call within 2 days of XX/XX/XXXX ( no call ). I have need for this money. There is never an expectation that a bank can not provide funds on deposit with them. There does not seem to be any concern for their customers.
Consumer complaint received 2023-04-18
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. (NY)

I am writing today concerning the following incorrect information on my file, which is a closed XXXX XXXX XXXX, this was opened on XXXX XXXX and was closed in the amount of {$3100.00} and a collection by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in the amount of {$740.00} which was opened on XXXX XXXX. I am an unfortunate victim of identity theft due to the fact that i had no knowledge or participation in the opening and closing of these accounts, as a result, i went to identitytheft.gov as soon as i was aware, which was of XX/XX/2023, to report these incorrect reports that adversely affect my public confidence.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

Electrical work service completed on XX/XX/XXXX, {$420.00} payment and {$3000.00} payment paid on XX/XX/XXXX towards paid-in-full invoice paid XX/XX/XXXX - partial payments made with Chase Freedom XXXX credit card XXXX 

On XX/XX/XXXX, Electrician company " the Merchant '' mailed a letter that the work was incomplete and permit was still opened. I called the City of XXXX to confirm the open permit and received the Inspection Report- the electrical work failed inspection three times : XX/XX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. Demand Letter sent to Merchant on XX/XX/XXXX, Second Notice Demand Letter sent to Merchant on XX/XX/XXXX, and Final Formal Demand for Documentation and Resolution sent to Merchant on XX/XX/XXXX. Initial Demand Letter requested a response from the Merchant to the demand for refund within 30 days due to incomplete and unsatisfactory nature of work, the inconvenience I have experienced due to the delayed completion, and the expenses incurred as a result of the failed inspections. Merchant did not provide a response that addressed the demand for refund by the deadline of XX/XX/XXXX. 

I contacted Chase on XX/XX/XXXX to file chargeback claims for both credit card charges of {$420.00} and {$3000.00}. The claim for {$420.00} was closed on XX/XX/XXXX and reopened on XX/XX/XXXX after I called Chase to inquire why the chargeback was reversed on XX/XX/XXXX. Chase told me to submit my evidence online for which I submitted over XXXX files of evidence including a second opinion letter plus estimate to fix the incomplete and unsatisfactory service performed by the Merchant from another electrician company. In addition, chargeback resolution letters ruling in my favor from XXXX XXXX were submitted as evidence to Chase as I also used my XXXX  XXXX XXXX credit card to make partial payments for this same unsatisfactory electrical service completed on XX/XX/XXXX by the Merchant. 

Chase then again closed the claim without resolution on XX/XX/XXXX stating that the timeframe was expired for them to review the evidence that Chase requested and received for the {$420.00} claim on XX/XX/XXXX. 

I contacted the Merchant via demand letter sent on XX/XX/XXXX with a 30-day deadline to process refund before filing the chargebacks with Chase on XX/XX/XXXX and reopening the claim for {$420.00} on XX/XX/XXXX. On XX/XX/XXXX, I requested to escalate the {$420.00} claim to XXXX through a Chase representative of the Dispute & Claims department who declined my request. The claim for {$3000.00} status is still on-going investigation by Chase as oXXXX XX/XX/XXXX and Chase has confirmed receipt of my submitted evidence for this open claim as well for the same unsatisfactory service completed by the Merchant as the claim for {$420.00}.
Consumer complaint received 2024-01-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (CA)

They offered me a loan for {$2000.00} and I gave them my account and routing number. They wanted my banking login information and when I told them no they hung up on me. Now they won't answer.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (NJ)

I got a deposit amd wanted to transfer fund to another account because I need it. Venmo suspended my account and won't unsuspend it or give a reason for the suspension when I call. 

Why should i be forced to deal with these losers games? 

I wont ever give any XXXX about anyone who would try to force me to focus on XXXX XXXX like a stupid suspension or ugly people like those behind this. 

Please force them to stop. Im not hurting anyone and i need this to end. I ddont deserve to have to talk to losers like them who u want nothing more from tham.for them to never be a factor ever in my life again. 

I need to access my money. I need to transfer funds. Over XXXX I earned is locked in their world Please force them to let me transfer money out.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (CA)

I had an account with target red card. I contacted and tried to dispute with target several times and even asked for a payment update because it showed different amounts on the 3 credit bureaus. I called them to close the account and was told I would have to make an payment to close it which I was okay doing but when it got time to make the payment the representative told me oh your case was transferred to another company and when the other company got on the phone they asked for my information in which I was sure they would've had it. It was XXXX XXXX which is a collection agency. I never received anything from XXXX XXXX saying they are the ones in charge of my collection or anything. I wouldn't even had known my case was transferred to them had I not tried to make a payment. I have tried many times to dispute this account because it has been very detrimental to me and my well-being s as it has made my credit drop. 15 U.S.C 1681 section 602.A states I have the right to privacy and I feel my privacy was evaded by target transferring my account without my knowledge then posting on my credit report. XXXX XXXX is trying to collect the debt but td bank/target is reporting on my credit. Its too many discrepancies.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (NC)

I opened a credit card back in XX/XX/XXXX with Wells and i was given a credit limit of {$2500.00}. The purpose for me getting this card was becasue it came with a waiver on the XXXX  transaction fees which was critical for me as i was preparing to travel XXXX to do a semester XXXX  ( will be in XXXX for 4 months returning to USA only until XXXX ). 
I was able to use the account normally through Thursday XX/XX/XXXX and it stopped working and i got decline after that every time i intended to make a purchase. 
The card is not working and they have not given me an explanation as to why it was declined and they told me to wait 15 days for it to be resolved even after i paid my full statement balance on the account which left me with about XXXX on open to buy limit. 
I am in a dire situation as this is my only credit card i can use here and i need the card to work especially knnowing that i already paid the statement balance and they accepeted it in full. 
We need resolution ASAP and i am hoping this complaint submisssion will help becasue Wellls Fargo juist does not want to help. And they do not give me an answer as to why this is all happening
Consumer complaint received 2024-01-31
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: Early Warning Services, LLC (TX)

I have repeatedly asked the company to provide sources or documents they have on record regarding this account, including the original contract bearing my signature. And they refuse to do so. They have also refused to delete outdated account information on my account that is more than 7 years old. 
Section 609 states that I can see any sources or documents you have on record regarding this account, including the original contract bearing my signature.

Under Sections 605 and 607 of the Federal Fair Credit Reporting Act, you must delete obsolete information from my consumer credit file. 
I sent letters to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and they refused to send me proof.
Consumer complaint received 2024-04-09
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I received money from a family member via Venmo in XXXX and they in error disputed the transaction in XXXX. Venmo immediately froze my account and withdrew the money. After going back and forth with Venmo they told me they were waiting on the bank to submit information to them that the request was closed and withdrawn. The bank provided me the letter saying they had withdrawn the request and that letter was provided to Venmo. Venmo is still saying they need the information from the bank. Venmo has tied up other monies of mine that have nothing to do with this disputed and continues to have my account frozen even though they have all the legal documents required to resolve this and they continue to not resolve this.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd. (MO)

I have made a cease and desist request to Phillips and Cohen regarding an alleged debt from mercury credit card and from XXXX XXXX. Phillips and Cohen continue to send me letters despite receiving the cease-and-desist request. 

I will clarify further that Phillips and Cohen or their affiliates or associates are not to contact me or my associates by any method. Nor are they to direct third parties to do so. This would apply to XXXX XXXX  Card or their affiliates, XXXX  XXXX or its affiliates or any other group or entity Thank you, XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on XX/XX/XXXX and Im still seeing unauthorized inquiries on my report. Please investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions are.. 

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  Closed these are all the unauthorized inquiries and accounts that I would like removed from my credit report immediately.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

Non payment by Wells Fargo Bank of a {$2500.00} bonus for opening a Premier checking account for at least {$250000.00}, and maintaining for at least 90 days.

See advertised offer below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TN)

XXXX XXXX, XXXX, I paid {$5.00} to XXXX XXXX, to talk to a doctor about my brother 's XXXX XXXX. After speaking to the doctor, I then received an email that I was charged {$46.00} per month for their services. I immediately contacted XXXX, and told them I was never informed of this amount. They cancelled, and credited the amount of {$46.00}. I disputed the amount with American Express as it was still in my account on XXXX XXXX, XXXX. They said they credited my account. 
Each statement since then, still has the {$46.00} charge on it. I have always paid in full for the charges that I did owe on, minus the {$46.00}. Now as of XXXX, XXXX, I am being charged late fees on top of the {$46.00} that was supposed to be credited. I chatted with AMEX in XXXX several times. One supervisor even said he agreed that I only owed two charges that I agreed I would pay for. I called AMEX corporate headquarters XXXX XXXX, XXXX in XXXX XXXX XXXX. They transferred me to their XXXX  office where XXXX said he would take it off my account, but it's still there. XXXX XXXX, XXXX, I filed a complaint with the XXXX. For some reason nobody at American Express can get it through their heads that I don't owe {$46.00} plus late fees. Today, XXXX XXXX, XXXX, I received an email threatening to send me to the credit bureau for not paying. I have now received a letter from AMERICAN Express that they can't credit me late fees. The XXXX is NOT helping at all. I was informed today, the guy who was in charge of my account no longer works for the XXXX. If they credited my account, why is it still on my account as being owed with late fees, and taking me to the credit bureau? I have never had problems with them until now. I have always had an excellent credit rating, and I don't want this company to ruin that for me. I no longer want this card, and will not be using it again.
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (GA)

Around XXXX. Wells Fargo had a collection representative called me and about late payments. At the time I did not have the money to immediately pay my car loan ( with Wells Fargo ). I stated I was unable to pay repeatedly to the Wells Fargo collection representative. They illegally debited my checking account ( Wells Fargo ) in the amount of {$800.00} without my permission immediately after the call. 

This organization is unethical and sick. I closed me account shortly after this event and will never bank with them again.
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CUSTOMERS BANCORP, INC (NJ)

On XXXX XXXX XXXX I took a personal loan for {$10000.00} with Customers Bank with an interest rate XXXX  % this interest is expensive but I accepted. Customers Bank only gave me {$8800.00} out of the {$10000.00} loan. Next day I called Customers Bank to find out why they were giving only {$8800.00} and they told me that they're charging me {$1200.00} for Origination Fee. So for a {$10000.00} loan I'm paying XXXX  % plus {$1200.00} for Origination Fee ( 12.0 % ). 

I need help to investigate this because I think this must be illegal. 

Loan # XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP (FL)

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that J am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec, 16811 ( a )? I heard that if you can I provide proof, these accounts must be deleted. Well. I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
1 demand the following accounts be veriffd or removed immediately Account : XXXX XXXX XXXX Check report from Identity theft as well in attachment Thank you!