davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-08
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: EQUIFAX, INC. (CA)

On XX/XX/2019 at XXXX XXXX, I mailed off to " XXXX  '' ; FTC Report, Police Report, Credit Report & a letter stating the fraudulent accounts that was reporting on my credit report. " XXXX XXXX XXXX  '' {$1800.00} account as of XX/XX/2019, is still reporting and has not been removed from my credit.
Consumer complaint received 2020-08-13
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)

On XX/XX/2020, consumer open an online dispute with Equifax in reference to XXXX XXXX XXXX, an collection account. XXXX submitted a written letter requesting an explanation with three concerns. ( 1 ) Why is XXXX XXXX listed as a " closed '' account on credit file when XXXX XXXX XXXX is a collection agency and not a creditor? ( 2 ) Why is XXXX XXXX still reporting on credit report when Equifax nor the collection agency has properly validated such debt in according to the Fair Credit Law after several attempts made by consumer requesting verification of such debt. ( 3 ) Why would Equifax still report an unverifiable debt when XXXX  and XXXX  had conducted investigation against XXXX XXXX XXXX for the same such debt and their investigation resulted in a deletion/removal of consumer 's credit file? 
As of XXXX XXXX, XXXX consumer HAS NOT received dispute results from Equifax . On XXXX, XXXX, consumer received an alert from XXXX stating that consumer 's credit score dropped by XXXX points due to the re-investigation of the XXXX account conducted by Equifax. Per XXXX, Equifax updated the status of the above-referenced account as " At least 120 days or more than 4 payment past due. '' THIS IS AN INCORRECT STATMENT!! CONSUMER HAS NEVER MADE ANY PAYMENTS TO PORTFOLIO! THE FACT IS CONSUMER DOES NOT HAVE ANY OBLIGATIONS TO PORTFOLIO. WHERE IS EQUIFAX GETTING THIS INFORMATION FROM? WHERE IS THE VERIFICATION? HOW DID EQUIFAX COME UP WITH THESE CONCLUSION? Why did consumer 's credit score drop while according to Equifax the investigation is on-going? Equifax has blatantly ignored the simple request consumer has requested regarding the information on credit file. Equifax nor XXXX XXXX XXXX can legally and legitimately supply consumer with proper documentation for continuous reporting of such account. Consumer is requesting for Equifax to be investigated for violating the Fair Credit Reporting Act.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, after a direct deposit of approximately {$580.00}, I had approximately {$580.00} in my Chase checking account ending in XXXX. On XX/XX/XXXX I paid the approximately {$370.00} minimum payment on my Chase Freedom credit card online via my checking account. After processing the minimum payment, Chase on the same day ( XX/XX/XXXX ) held {$150.00} in funds and deducted a {$75.00} legal processing fee bringing the account balance to {$0.00}. When I reached out to Chase, I received a copy of a levy notice that I had been unaware of. The levy expires in XX/XX/XXXX according to the notice allegedly from the Court, but in Chase 's system it fraudulently shows as expiring in XXXX. In addition, the Court Officer XXXX XXXX filed a fraudulent certification for this levy, but more importantly no money was to be taken from my account due to the NJ statute listed below which exempts the first {$1000.00}. Since I maintained less than {$1000.00} no money was to be held from my account. In addition, I submitted a request in writing to Chase to request the money they are holding and the related fee be returned. I also asked to close the checking account since I am no longer able to meet the requirements to avoid a monthly service fee of {$12.00}, but Chase 's Customer Service said they were unable to assist with these requests. XXXX. Amount ; exceptions Goods and chattels, shares of stock or interests in any corporation and personal property of every kind, not exceeding in value, exclusive of wearing apparel, {$1000.00}, and all wearing apparel, the property of a debtor shall be reserved, both before and after his death, for his use or that of his family or his estate, and shall not be liable to be seized or taken by virtue of any execution or civil process whatever, issued out of any court of this State. Nothing herein contained shall be deemed or held to protect from sale under execution or other process any goods, chattels or property, for the purchase whereof the debt or demand for which the judgment on which such execution or process was issued, shall have been contracted, or to apply to process issued for the collection of taxes or assessments.
Consumer complaint received 2019-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

For 3 years I paid {$89.00} /year to accumulate points using a XXXX XXXX and Barclay 's Bank and Master Card account. 
They opened 2 accounts in my name and said I could not use any points from 3 trips each year to XXXX until I merged both accounts, which I tried over and over to do. 

I even paid the " one free checked bag per flight '' {$25.00} fee for {$150.00}. 

Lately, XXXX XXXX has said I never used their mileage card to purchase the 3 round trip tickets. 
I looked in boxes full of old paperwork, and looked. 

Then XXXX XXXX  sent me this mileage expiring trade offer! 
I think this PROVES I did use XXXX XXXX mileage card those 3 years and 3 trips to XXXX. 
XXXX, a financial institution lied, who would have thunk!?
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (MA)

For XXXX and XXXX years I have tried to settle a debt with XXXX as I am XXXX and had no income at all. 
XXXX XXXX XXXX has called me daily as well as harassed my mother in law with XXXX in Florida telling her to pay them, my XXXX daughter in XXXX, my husband my sister in law in Washington state, and my husband. By texting, calling and leaving them voicemails. They have now been sending letters. I have asked them to please stop, and they have become more threatening. Doxing my personal information to people. My age, name, addresses and phone numbers as well as debt information. 
I am fearful and afraid daily.
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: VALLEY NATIONAL BANCORP (NY)

XXXX XXXX is a XXXX a lying XXXX this bank treats me horibke doesnt address any of my concerns that I have Im unable to open an account and they refuse to tell me why I hate them they give me a hard time both online and in the branch garbage people
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have filed disputes letter to all 3 credit bureaus on XX/XX/2020. I am aware they have 30 days to reply to my disputes it has been well over the 30 days. please help in this matter.
Consumer complaint received 2021-07-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report.To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-08-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
Consumer complaint received 2019-09-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

-Stopped attending university ( XXXX University , XXXX XXXX , XXXX XXXX ) in XXXX of 2013 due to financial and mental health issues. 
-did not graduate -All Federal loans service by Sallie Mae `` sold '' to spin-off company Navient -Could not afford loan payments due to minimum wage income and monthly financial burden -Navient sent emails every 3 months offering to " Resolve your student loan payments '' by replying to emails with the word, " yes ''. 
-Interest ( between 4.5 to 6.8 % for 5 different loans ) has accrued for years without any suggestion to alternatives -interest accrual increases the amount of the loan, and thus the difficulty of paying off such a loan without a college degree-paying occupation -Original loan principle was {$16000.00} total for 5 loans, Now totaling {$31000.00} to be paid off in a 10-year period
Consumer complaint received 2020-08-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc. (AL)

Money lion is a payday loan app. I've used them for a few months. 

Due to a software glitch, which they wouldn't admit to, they deducted money from my account before the promised date, in breach of contract. 

This caused my bank account, that I've had for 15 years, to overdraw for the first time. 

I took me all day to get a small resolution from them, but it wasn't the amount they basically stole from my account., I really don't think these people need to be allowed access to peoples bank accounts with software they KNOW has problems. 

They paid me a total of {$450.00}, and deducted {$450.00}, and still say I owe them {$300.00}. 

This occurred between XX/XX/XXXX and today. 

I've contacted my bank ; they won't process any more withdrawals from them. 

Still, I can't imagine how many other people were affected.
Consumer complaint received 2018-11-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I have reached out to XXXX XXXX several times asking them to provide me with Validation of this item belonging to me. After making a complaint they sent me this XXXX XXXX Customer Agreement. I have also disputed this account several times with the Credit Reporting Agencies. Please contact the credit reporting agencies and remove this from my credit reports, It is affecting my credit score and hindering me from purchasing a home. 
Look at the .signature this isn't my signature, Address, or correct name as appeared on my license The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX also Put this account back in collections on my credit report. XXXX XXXX XXXX
Consumer complaint received 2021-07-14
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: Webcollex, LLC (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

had a Chase Credit Card product-Marriott Bonvoy Boundless-Visa and closed this account with a Chase Representative on XX/XX/XXXX by phone-effective immediately ( whose name was XXXX XXXX XXXX ). XXXX assured me my Boundless card was immediately closed on XX/XX/XXXX In conversation with this agent the option of another credit Chase card product was discussed- Marriott Bonvoy Bold Credit Card was available to me. 
Based on that I terminated my. Marriott Bonvoy Boundless on XXXX and applied on line XX/XX/XXXX for the Marriott Bonvoy Bold Credit Card. Although I requested written documentation of the Boundless card I never rcv 'd it. Starting on XX/XX/XXXX at XXXX ; XXXX XXXX  I started receiving e mails from Chase ( see attached ) that I was due for a balance transfer from the closed ( Boundless ) card. On XX/XX/XXXX I applied on line for a new Marriott Bonvoy Bold Credit Card and rcv 'd written notification that my request was being processed. 
On XX/XX/XXXX I rcv 'd a written letter dated XX/XX/XXXX that I was denied a Marriott Bonvoy Boundless credit card because Chase claimed that the Boundless card WAS NEVER CLOSED and I still had a Marriott Bonvoy credit card=see attached. In other words Chase failed to accurately update its credit card closings and Chase 's failure resulted in me being denied a credit card and its negligent failure has resulted in damage to my credit history!
Consumer complaint received 2019-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LEXISNEXIS (CA)

I have an court order eviction I've never knew about coming up on XXXX but it doesn't show on XXXX or XXXX, because I have XXXX XXXX I know exactly what is on there and I've rented many property 's since 2015 and never had a problem getting into a place and that's exactly why I never knew my old landlord was trying to file a property of possession against me .I need to get this disputed right away because I've been on a waiting list for 2 years or longer for an affordable housing apartment and I'm next on the waiting list for a 2 bedroom for me and myself and kids, this is why I found out that this eviction is on my credit report because they use XXXX to run credit and not XXXX or XXXX so this is the only reason why I now know about it .I have until monday to fix this and get it off my credit so I'm not skipped and be put back on the waiting list again .if you can please help me with this issue I would appreciate it very much.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid 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: DISCOVER BANK (WA)

In XXXX, XXXX I contacted Discover about goods/services never received that I'd paid for using Discover. I stated I'd never placed a dispute before and didn't know what to do. The agent subsequently pushed disputes through for these charges : XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$6800.00} XX/XX/XXXX : {$10000.00} The Merchant received confirmation of the disputes and promptly called me freaking out and said he would be suing me if I didn't overturn the disputes. I contacted Discover and asked for help - asked specifically if the disputes could be put on hold or what my recourse could be if he didn't follow through with completing the work on my house. Payments were for installation of windows, a back door, and new siding on my home. Discover overturned the disputes when the Merchant said he would complete the work, and I never heard from him again. I contacted Discover again to note that he hadn't come to do the work and I'd subsequently received a notice in XX/XX/XXXX of him intending to file for bankruptcy. Discover has repeatedly said there's nothing they can do to help me and there's no way to dispute a charge a second time. I am under the impression they could do a chargeback, but they are stating that isn't possible and even though I've provided documentation the work wasn't ever completed and an email from the Merchant directly stating he won't be doing the work on my home - they are still maintaining there's nothing they can do. 

It was never communicated to me that I would not be able to dispute these charges again. 

In total, I paid $ XXXX to this Merchant, XXXX of it with Discover. Discover has blatantly refused to help. ADDITIONALLY - Discover  has now deleted some evidence from my account of messages I sent stating specifically I'd never disputed anything before and didn't know what the process was. They are falsifying evidence to support their refusal to process the disputes.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I deferred my mortgage payments for the months of XXXX and XX/XX/2020 by calling chase bank customer service. I was approved because I needed to travel out of country. But now they are reporting it as negative for XXXX and XXXX.
Consumer complaint received 2018-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/2018 at approximately XXXX XXXX I requested a transfer of {$500.00} from my PayPal account to my local financial institution, checking account. At XXXX XXXX I received an E-mail from XXXX stating that for up to 72 ( hours, days, weeks?? ) a hold had been placed on my transaction for review and IF it passed their review it would be released and the regular withdrawal timeframe ( 1 business day ) would then take effect. 

On XX/XX/2018 at XXXX XXXX I placed a phone call to PayPal. I talked with a male customer representative ( unknown name ) requesting as to why the hold was placed on this transaction when my checking account has already been verified by PayPal. He did not have an answer to my inquiry. He did state this was a normal PayPal practice. He stated that once a hold was placed on a transaction they could not override it. He also ensured me that once the review/72 hour (?? ) hold was over the money would be transferred and available for me to access. I stated that the E-mail said otherwise and he assured me again that the money would be available when the 72 hour hold was completed. 


Today, XX/XX/2018 at XXXX XXXX I make phone contact with PayPal and  talked with customer representative, XXXX. He stated that the hold was still in effect and it could now be 3-5 business days before the money might be released to my checking account. I informed him that 72 hours was completed and the money should already be in my account as the other representative assured me it would be. XXXX stated that it could possibly be Monday, XX/XX/2018 before the money could possibly be released to my account. XXXX stated that it was my financial institution 's practice to review the transaction and then notify PayPal to release the funds to my account. This did not sound correct to me. I requested to speak to XXXX 's supervisor as he was not attempting to resolve my issue and was just piling on a load of manure. I have worked in the most extreme area of customer service ( in a prison ) and truth is all that it takes, not a pile of manure. He refused to transfer me to a supervisor. I ended the call as the pile of manure was being spewed to thickly. I contacted my financial institution and inquired if they had to review the transaction before it was released into my account and they assured me no that was PayPal 's  responsibility to release the funds not theirs. 

I am not asking for thousands upon thousands of dollars to be transferred. I just want my XXXX XXXX dollars so I can buy some XXXX gifts for my family and get my husband 's truck repaired. I am very frustrated with the run around I am getting with PayPal and hope that others do not have to go through such a hassle just to get their money.