davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (VT)

PayPal - I sold 2 gift cards on XXXX XXXX on XXXX. I received payment for both gift cards within minutes of the sale. I provided the gift card account numbers and access pinns within a half hour of receiving the payment. There were successful transactions, and I have not received negative feedback. I did request feedback from the purchasers, but as feedback is optional, it has not been left. 

To date, PayPal has not released the funds I received from these sales - 10 days after the sales took place. I have contacted PayPal about releasing the funds and they refuse. 

Transaction # 's : XXXX XXXX PayPal has sent me canned responses regarding their hold times policies. I understand these policies, I 'm a long time PayPal user. However, holding my money for this long is excessive, and I want my funds released for use immediately.
Consumer complaint received 2018-03-26
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 a victim of fraud and identity theft. An individual was able to finance a car under my name using fraudulent information. I sent the police report, the written affidavit, and proof of identity to Equifax on XX/XX/XXXX. I received confirmation that F.Shavers signed for the package on XX/XX/XXXX. I have called and spoke to several people in the fraud department ; however, the item is still on my account. I am frustrated and feel victimized all over again. It isn't fair to be treated this way. I am at my wit 's end. None of the other credit bureaus are giving me a hard time except for Equifax.
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

Some how some one made a copy of my debit card and went to XXXX different Chase banks and withdrew {$500.00} each time on XXXX/XXXX/2015. Bank notifed me by text asked if I did transaction, I said no, then I called the Chase Bank to in form them it was not me. Every person I spkoe to at Chase was rude and unprofessional, even told me my account is frozen and that Im not allowed to open another account at Chase because Im a high risk. I even had a gentlemen " XXXX " tell me If I had the card in my pocession then I must have done it. I was beyond XXXX. A victim and treated like a criminal. I was told at this point the person also deposited a check in someone elses name through ATM into my account. I told them it wasnt me and that took them a week to inform me of this. Back and forth several days, weeks and even going into XXXX banks to get my money out ( even the money that was left in my account ) they would not allow me to have access to it. I called again they told me that check sent out on XX/XX/XXXX, I called yesterday XX/XX/XXXX they said check went out on XX/XX/XXXX. Here its the XX/XX/XXXX and I still have not recieved my money. Is this legal for them to do. I did nothing wrong and I feel like they are the criminals they have my money and wont give it to me. I have been told by others that it has happen to them and their bank did not treat them like this. What can I do? What legal rights do I have?
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

My wife XXXX XXXX was scammed through zelle on XX/XX/XXXX my wife got a call that a zelle fraud was on her account. 
call came from XXXX XXXX XXXX XXXX ( most likley a spoofed number ) our bank XXXX XXXX  called and talked to both banks, they are currently doing an investigation into it. But im starting this complaint in case the banks cant do anything.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX I bought a house through XXXX XXXX company. I lived in the house until I sold it on XX/XX/XXXX for the full amount of the mortgage owed. I did not profit from the sale of the house nor did I owe anything on the house after it was sold. I made my mortgage payments on time so there was nothing delinquent as far as the payments were concerned. Recently while attempting to clean up my credit, I noticed that the NOW closed company of XXXX XXXX was bought out by XXXX XXXX  and it appears on my Transunion account even though the XXXX account appears on all of my credit reports. 
I have faxed a letter plus a copy of all my credit reports to XXXX on XX/XX/XXXX and XX/XX/XXXX. I spent over an hour and a half on XX/XX/XXXX on the phone with " research representative - # XXXX '' and he was not able to give me an answer as to why, even though the account was closed and in good standing their company appears on my credit report. 
I am attempting to work on and clean up my credit report and I feel as though since it has been over 10 years since this was first reported, that I would like the accounts removed ( XXXX and XXXX ).
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (FL)

I accidentally made a payment of XXXX I meant to only pay XXXX I have sent XXXX emails requesting to have a refund. I have sent the requested documents ( voided check, transaction report showing payment to Chase bank and also a copy of my bank statement ). The payment was made via my bank bill pay online on XXXX/XXXX/16. 
I am being told that they did n't receive document by XXXX representative and then told by a different representative they received everything fine and it was forwarded for review.
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I called Loancare towards XX/XX/XXXX or XX/XX/XXXX. It took many calls to even get through to their cs dept. Finally, I was able to speak with someone about working my XX/XX/XXXX mortgage payment into my future payments ( aka, a payment plan ). My normal rate was around $ XXXX month. After the plan got set up, I was paying them $ XXXX month. I also had to fax them a form stating I agreed to the plan. I was assured that this debt would not appear on my credit report since I set up a payment plan with them. My mortgage payment was not 30 days past due at the time I set this up. I then received a letter in the mail telling me that my mortgage was late. I called and again, after many calls, finally got through to someone who said she had no idea what I was talking about as far as a payment plan for XX/XX/XXXX. So, obviously, that concerned me because it 's my credit and my home we 're talking about here and I have never been 30 days late on a payment. After a frustrating call, getting no where, I hung up and decided to leave a review. Then they responded to my review just asking me to email them. I was all paid up on my payment plan by XX/XX/XXXX and so I emailed them and asked specific questions like if they could confirm I was all paid up and my mortgage payment would return to the normal rate. Their response did not answer my questions and so I then responded, immediately, to the same email and they " promised '' to respond by XX/XX/XXXX. This was after 3 emails to them. So, here comes XX/XX/XXXX and still no response. I emailed them 2 more times and no response as of today. It is unfair that my account was transferred to LoanCare through XXXX XXXX XXXX without my consent and now I have to deal with a company that literally has no customer support. Here are my questions for Loancare who will not respond to me anymore. 



Thank you. The letter you sent caused confusion on my end. 

Can you please confirm, yes or no, the following questions : 1. Is my XX/XX/XXXX payment going to be {$540.00}? ( Y or N ) 2. Were the extra amounts I was paying, that started in XX/XX/XXXX being applied towards my XX/XX/XXXX mortgage dues for the repayment plan? ( Y or N ) 3. Were the extra amounts I was paying, that started in XX/XX/XXXX being applied to Principal instead of the XX/XX/XXXX mortgage dues? ( Y or N ) I need assurance that LoanCare has NOT been reporting to the credit bureau that I have missed my XX/XX/XXXX payment, because I set up the payment plan in XX/XX/XXXX, and was assured that it  would not go on my credit as a bad debt. 

Can you confirm that LoanCare is not on my credit report through any of the credit agencies? ( Y or N )  Thank you
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TRANSUNION ALLOWED FOR UNAUTHORIZED/FRAUDULENT CREDIT INQUIRIES TO BE FURNISHED ON MY CREDIT PROFILE. DISPUTE LETTERS HAVE BEEN SENT TO THEM DEMANDING THE REMOVAL OF THESE FRADULENT INQUIRIES. UNAUTHORIZED INQUIRIES TO BE REMOVED : XXXX XX/XX/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 XXXXXX/XX/XXXX NOTICE SENT : FIRST NOTICE!!! As a federally Protected consumer/natural person I DEMAND these inquiries be removed! The information listed, which appears on my credit fi le, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s.code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ), 15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private consumer/natural person fi le to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the complicit companies under 15 u.s. code 1692k for damages.
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (WA)

I am submitting this complaint because I am being extremely affected by Synchrony Bank. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
I was an oversight during pandemic The State was having problems making online payments, called and hold times were too long. 

Please consider the difficult situation for Covid-19 in addition to my first time I have a late payment. 


The account information is the following : Account Name : SYNCB/PPC Account Number : XXXX Opened Date : XX/XX/2018 Balance : {$350.00} My demand is based on many damages and all the violations that they have committed. 

I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Thank you.
Consumer complaint received 2017-12-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (TX)

I have been with XXXX for over 10 years and I switched to a pay over time plan. I have not missed a payment and they were charging me interest every month. They started dinging my credit and I was paying every month not the full amount but I did n't have to because I had pay over time and was paying interest charges every month. They Closed my account and I have kept paying trying to dispute it. They sent to collections agency even though I have never stopped paying. I have paid off the balance direct with XXXX not through Collections and they said they will reinstate my card with all my points and benefits. But I still have ding on my credit which is incorrect because I have always paid my bill. 

Regards, XXXX
Consumer complaint received 2020-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Im having a problem with the banking institution Chase. I lost my wallet back in XXXX with my debit card inside but it took me about two months to realize that my chase account had been compromised and used frequently in the meantime because Im frequently XXXX  and XXXX. When I filed the claim on XX/XX/XXXX everything seemed to go accordingly until they denied me for almost every fraudulent transaction. I am very surprised by this because my pin was used and at chase banks where I am sure theyre many cameras to see exactly who stole my money. I feel that investigating done by the bank was insufficient. They have yet to tell me specifically why the claims were denied. I provided them with hospital records I was able to obtain in the short amount of time they gave me to do so which was 3 days on XX/XX/XXXX. The banking institution also mislead me with information suggesting that they would paper mail me information regarding my claim when I first spoke with them which was never done. I waited patiently before being denied without thorough explanation. At this point I am confused on what to do in my situation and need further assistance and guidance. Im at a loss of about {$1400.00} my whole account funds which is very rough for me because I lost my job due to covid 19 and my illnesses and that was money I had intended on saving for hard times. Please help.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX close XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have received several unsolicited credit card offers from USAA. When I call to ask them to remove my name, they tell me I have to send my request via fax. Why should I have to do this when I did n't request it? Other companies take my information over the phone with no problems.
Consumer complaint received 2024-02-18
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. (CA)

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. 

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 2020-04-21
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: Earm LLC (TX)

XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX {$6200.00} XXXX XXXX XXXX  XX/XX/XXXX {$130.00} XXXX XXXX   XXXX  XX/XX/XXXX {$87.00} XXXX XX/XX/XXXX {$930.00}
Consumer complaint received 2018-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (GA)

On XX/XX/XXXX I contacted XXXX XXXX XXXX via certified mail regarding an account they claim I owe in the amount of XXXX. I sent a letter stating : This letter is regarding account # XXXX which you claim I owe XXXX. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

XXXX XXXX XXXX responded with a letter on XX/XX/XXXX saying the debt is valid and claim to attach a verification of the debt. They attached a XXXX  bill to the letter with no signature or any evidence that it was me that made the debt. I have no legal obligation to XXXX XXXX XXXX and I never created a account with them or the original creditor XXXX.

On XX/XX/XXXX I sent another letter to XXXX XXXX XXXX with the same response as the first letter they sent me.
Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IN)

In short the loan was taken out in XX/XX/XXXX with Washington Mutal and they were closed in XX/XX/XXXX. In XX/XX/XXXX, we received a complaint for foreclosure from JP Morgan Chase. This loan has been fought over for the past 8 years and have recently received a review report from the federal task force for mortgage fraud that our payments to these banks have never been applied to our loan. In XX/XX/XXXX,  we were served a summary judgement due to missed payments the bank states that are unaccounted for. We have recently requested a new hearing on this matter in our county and have been denied the opportunity to have this overturned. So at this point, we are a little unsure as to how to move forward. The report shows embezzled amount of over XXXX unaccounted for. We have determined that we will file a civil suit in this matter but could use some assistance and understand that you may be able to help us.
Consumer complaint received 2021-02-08
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. (SC)

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STERLING BANCORP (NY)

Sterling National Bank closed branch due to snow storm & did not reconcile ATM deposits for 4 days. A deposit I did on Saturday did not go into account until Wednesday ... ( although all other businesses opened Tuesdsy ) subsequently they bounced 2 payments and I received a charge from XXXX who I was trying to pay & they would not refund this. 3 calls with hold times of over 2 hours and they will not fix the issues due to their closure. Also the deposit was 1/2 cash with an AVAILABLE valve enough to cover outgoing payments.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a credit card that had 0 % interest and made a {$14000.00} purchase. On XXXX XXXX, 2016 I was charged {$150.00} for interest. I made several calls to BoA and opened a CFPB request when I did not receive my {$150.00} refund. On XXXX, I paid {$13000.00}, which was the entire balance minus the fee. On XXXX, I paid for the {$150.00} to prevent future charges while the CFPB investigation was taking place. I received a {$150.00} refund on XXXX/XXXX/2016, which was as expected. On XXXX/XXXX/2016, however, I was charged {$73.00} additionally for interest. I was not expecting this charge and I did not receive a refund when I called in about it.
Consumer complaint received 2016-01-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Called the banking center to inquire about the cut off time for a mobile deposit I made. Seems I was late by 20 min. I was denied a reversal for a overdraft fee of {$35.00}. The representative could not tell me when my mobile deposit was made and she was unsure of the posting time. I asked to speak with a supervisor ( XXXX from XXXX VA ) who was rude and short with me. I asked him to listen in on the phone call with the representative I spoke to earlier and he said he was too busy at the moment to do so. 
I 'm being charged a fee and have no real understanding of the cut off and posting times for mobile deposits as to ensure it does not happen again.