davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

I initiated an international wire transfer on the XXXX of XXXX from my Chase business checking account for XXXX dollars that has not been received by the recipient branch. The wire was sent to my father 's bank account in XXXX. It has been 16 days since I made this transfer. An international wire transfer is supposed to take 1-5 business days. My first phone call to customer service at Chase was on the XXXX of XXXX inquiring why the wire had not been received by the recipient yet - since my account had been debited days ago.I was informed to wait until the end of the week to start an investigation. I called back Monday the XXXX and was issued a case number XXXX but I have been unable to get anyone in Client service to actually track or follow up with what is going on with the transaction. After a week of waiting, on the XXXX of XXXX I had to harass customer service for a helpful answer and was finally directed by an agent to something called the " secure messages center '' which is a service that exists within the Chase online banking app - a service I did not know existed, nor was informed of by Customer service until I threatened to escalate the situation. To summarise it is like a private inbox within the app itself and the messages sent or received here are not reflected in my regular email inbox that is linked to my bank account. Therefore, unknown to me, this entire time, there had been a message in the Secure Message Center inbox from their " XXXX XXXX XXXX XXXX XXXX '' sent on the XXXX of XXXX stating that the wire could not be completed because the XXXX XXXX XXXX XXXXXXXX required more information regarding the purpose of the wire and that if I did not provide this information within 5 days of the receipt of that message, a recall would automatically be initiated and i would be charged the fees to process the same. Since not a single Customer service agent I had spoken to directed me to this service until the XXXX of XXXX, or even informed me that such a service existed and that I had probably overlooked a message regarding my wire in this specific part of the online banking dashboard, I did not end up being able to provide the relatively simple information that could have allowed the wire to go through within the required time window. The message also mentioned that the recall would take 3-5 business days and that I could contact the XXXX XXXX XXXX XXXX XXXX XXXX for any further information. When I attempted to call this number on the XXXX of XXXX I received an automated response stating that this department was unavailable. In my last conversation with a customer care specialist with Chase I was informed it would take 3 months to recall my money back.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

A few years ago, I had two checking accounts with Wells Fargo. They were later closed and had accrued many overdraft fees. I have since paid one of them off, but have been unable to get the credit bureaus to remove the erroneous information. They continuously claim they've " verified '' the account. Clearly they haven't, as if they'd had, they'd know the account has been paid. I paid one of the accounts off with a XXXX XXXX money order # XXXX. It shows this money order has been cashed sometime in XXXX of 2020. Because it's been so long, and my rights under the FCRA have been violated multiple times, I would like both of the accounts removed from each credit report, or I will have no other option than to contact my attorney and file suit against all of these companies that continue to violate my rights.
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (NC)

Suntrust were experiencing online issues, during this time were not able to access the account as we could before on a daily basis. This took place over a 30 to 35 day period of not having access or be able to perform payroll After noticing fees and account overdrawn, I contacted the bank on several occasions, even went into the bank Personally at least twice ... ..They did refund 2 of the fees, However ... .Those were the ones that they did just to be saying so
Consumer complaint received 2020-04-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (MD)

I have a CD  with Synchrony which ended on XX/XX/2020. This bank is primarily online. I opened the CD online and transferred money online. I opened the CD account last year. There is no way to close the CD  account online. There is a message on my account to call their customer service to close it. On XX/XX/XXXX I called them to close my CD  account and to transfer the money to my savings account. I asked them if I will get an email notification to show I have requested to close the CD, they told me there won't be any email notification. The transfer will take 3 to 5 days to complete. I logged into my account on XX/XX/XXXX and found that my CD  account is still not closed and there is no indication of my request to close my CD. The bank is not allowing me to close my CD  account and providing me no documentation to show that I have requested to close the CD  in the provided grace period. I feel they are doing this to lock me in the CD  for another 12 months. Please help as I need access to this money. 

Thanks, XXXX
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, 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. (TN)

This is not a DUPLICATE report and this is not filed by a 3rd Party. 

I just reviewed my credit report and there are some Hard Inquiries that I don't recognize. The Hard Inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In fair accordance with the fair credit act XXXX Account # XXXX from XXXX XXXX and also account # XXXX from XXXX XXXX has both 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 a account without my written instructions.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting that my XXXX XXXX Account is reporting a 30-day late payment. Whereas XXXX XXXX mailed me a letter which is attached showing that their reporting was incorrect and all 3 credit bureaus were notified. This change has not been updated with Equifax as of XX/XX/2021.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NV)

Dear Citi Executive Response Unit : This letter serves as to bring to your attention the following concern. On XX/XX/20 I received notification from your company via e-mail that I had a ( notice of insufficient/unavailable funds ) for my viewing. I proceeded to log in@online.citi.com, & clicked on the Services tab. From there I went to Statements & Documents, and then to View E. Communications, and then to Notices & Letters. Here was correspondence from your company dated XX/XX/20 ( see attachment ). This correspondence indicated that it required action on my part. 

My concern is that the correspondence in question does not belong to me at all. It is for an account named XXXX XXXX XXXX with account number ending in XXXX. How is it possible that such a document would end up in my Citi online profile? This is alarming to me as a consumer because of identity theft. It made me wonder if my information was somehow given to another one of your customers as well. Please review this matter as it is very alarming and a dangerous practice for your company to take part in. 

On XX/XX/20 I contacted your customer service department @ phone number XXXX and spoke to a person whom indicated that she was an Online Supervisor. Her name was XXXX and she indicated that she was based out of a call center in the XXXX. XXXX indicated that she would submit my concern to the correct place and someone from your establishment would give me a return call by XX/XX/20 about the matter.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is fraud related accounts that is reporting on my credit file. I have sent in a FTC report to all three credit bureaus more than 30 days ago and none of them took the proper action. Yet, those incorrect fraud accounts are still reporting on my credit report. This is violating. Instead of them removing the fraudently accounts due to me being a victim of identity theft they stated those accounts are verified. This is incorrect. I need those accounts deleted immediately from my credit report.
Consumer complaint received 2022-08-27
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. (FL)

In accordance with the fair credit reporting act Equifax Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization I PREVIOUSLY FILE A CFPB AND EQUIFAX AND XXXX TOLD ME THEY REMOVE ALL AUTHORIZED INQUIRIES ON AND THEY NEVER DID ON MY OTHER CONSUMER REPORT I ONLY HAVE 20 inquiries and equifax never removed the inquiries they claim thats not showing on my report I will upload proof that the inquiries stop showing on my report and proof that Equifax stating they removed them from my credit report
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (DE)

I got lawsuit papers on XX/XX/2021. It said it was from Discovery Bank and is a card that I did had and did have a outstanding balance of {$10000.00} or a little less. Anyways I did not pay much attention because I was nervous and scared and honestly did not know what to do or how to even answer the documents I got. So I thought I should just accept the debt and then work with Discovery Bank to take care of it. Well I send a response to the Justice Court, accepting the debt I called the number on such file and it was from a Law Firm in XXXX Delaware named XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I called a few times on different days and no one picked up and sometimes the line would make the sound like we used dial-up back in the early days of the internet. I decided to call Discovery and they told me to deal with them and I told them I was not even able to reach them. Long story short, I got another lawsuit from the same Law Firm but from another unrecognizable name XXXX acquisitions. In the document, they mentioned an account with XXXX XXXX, which indeed I did have an account with but with a wrong balance something over {$40000.00} they claim. Then I looked at the attached documents and most of the information is wrong like they copy and paste any information and organize it a bit and make it look legit, same I noticed looking at the documents with Discovery Bank Lawsuit. 
So then after a quick search of this business, I found out all the complaints and illegal activities they do, and the pursuit of all types of debts so I decided to actually make a complaint to assure to protect any other customers they might be targeting because that is what I fell, they saw that I did not fight back the lawsuit, they got another of my debt and decided to pursuit too to target me for over {$14000.00}. I tried contacting them and no luck at all. I do not know why they have yet contacted me from the first lawsuit, today is XX/XX/XXXX so since XX/XX/XXXX I am yet to be contacted and now they have got me served again. Because of lack of funds, I did not know how to respond or defend myself and I find myself helpless and decided to consider bankruptcy because these people are vicious, I got offered at some point much ower amounts to settle each of those 2 mentioned debts, but I could not afford anything at that point, these people when straight up for everything I supposedly owned, and because I did not defend myself now they have a legal claim to that and is making my life a living XXXX.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX # XXXX, XXXX # 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 a account without my written instructions
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

HI, PAYPAL. 

WOULD YOU PLEASE ENABLE THE OPTION FOR WITHDRAW MY FUNDS BECOUSE I WAS WAITING FOR ALONG TIME. 

OR IF I CAN GET MY ACCOUNT BACK I WILL APRECIATE YOUR HELP. 

MY FIRST COMPLAINT WAS XXXX you said my money are going be avaliable XX/XX/XXXX MY ACCOUNT IS XXXX please help me, thanks
Consumer complaint received 2022-08-28
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. (CA)

I disputed with the credit beau regarding XXXX of my items on my credit report. I asked them what did they use to validate that debt was mine. There was no signatures on that debt from XXXX
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have spoken to JP Morgan Chase numerous times. They gave me a loan modification and I still can not pay because the payments are more than I receive from social security. My home is currently for sale and when it sells I will pay off the loan. Calling me and sending letters and emails does nothing but continue with their constant harassment. This behavior is why people dislike Chase bank. If this continues I will have to change my phone number.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MD)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX and WELLS FARGO CARD SERVICE has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As pulled my report, I saw an outrageous amount of accounts under my name that are not mine. please delete these items from my report. XXXX XXXX {$590.00} XXXX XXXX XXXX {$140.00} XXXX   XXXX {$4200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$76.00}
Consumer complaint received 2022-08-27
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. (IL)

On XX/XX/XXXX I requested that XXXX and Equifax and XXXX XXXX XXXX  conduct a proper investigation under 1681 and all sub chapters. They are continuing to violate 15 USC 1681 ( a ) 15 USC 1681 ( a ) and all the subchapters regarding reinvestigating procedures and 15 USC 1681 ( i ) On a previous dispute I received correspondence dated XX/XX/XXXX, stating that they were not going to conduct any further investigations and that all accounts were verified. I sent documentation regarding XXXX XXXX XXXX XXXX XXXX XXXX and that correspondence states that this loan was not approved and should never have been submitted as a debt on my credit file. Had XXXX conducted a proper investigation that account should have been deleted immediately. A copy of the letter dated XX/XX/XXXX states that I was not approved for the loan. I have come to the conclusion that XXXX is knowingly and intentionally with a deliberate indifference continuing to violate my consumer rights. The correspondence from XXXX that I received has a file # 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 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 I requested a reinvestigation and XXXX refuses to comply with the consumer protection laws that have been placed by congress to protect the consumers like myself. 
I am requesting that the Consumer Financial Protection Bureau conduct an investigation into the misconduct and unlawful practices by XXXX.
Consumer complaint received 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (CA)

NELNET is continuing to report fraudulent accounts & sending me letters claiming I requested a forbearance & repayment plan. On XX/XX/2018, I submitted the required identity theft affidavit requested & sent to me by NELNET. I had already submitted the required FTC identity theft report to them but they requested their own specific affidavit. I'm totally confused by their lack of record keeping and would like this matter closed as it continues to create a ton of emotional & physical stress. I'm attaching the both the FTC report & NELNET 's specific affidavit for your records.
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (FL)

This collection agency ( AMERIFINANCIAL SOLUTIO ) has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of PHI. I demand this account is deleted immediately from my credit report.
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NC)

Home Design/Synchrony Bank keeps sending me statements for money and they call repeatedly on the phone ( I have a machine which answers ). I DO NOT have ANY business with them!! 
I have sent their statements back to them twice telling them I do not and never did have any business with them and they still persist!!! 
I have turned them in for fraud before earlier this year ; statement from them also attached dated XX/XX/2021. They still persist adding interest!! I never heard of " Home Design '' ...
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. (FL)

I sent a letter to Equifax XXXX  and XXXX  on XX/XX/2021 and XX/XX/2021 regarding fraudulent and inaccurate items on my credit report. It has been over 5 months and I have not received a response from anyone. Failure to respond is a FCRA violation of my rights as a consumer. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 5 months, these fraudulent and inaccurate items must be removed and deleted immediately. I demand these fraudulent and inaccurate items be removed and deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to obtain credit and these fraudulent and inaccurate items are preventing me from doing so.
Consumer complaint received 2019-01-14
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: JPMORGAN CHASE & CO. (LA)

ON XXXX XXXX MY HUSBAND AND I WERE VICTOMS OF A SCAM DONE BY XXXX XXXX XXXX ( XXXX ) MY CHASE CARD WAS CHARGED XXXX BY XXXX. AFTER RELEIZING THAT THIS COMPANY WAS A COMPLETE SCAM I TRIED TO CANCEL BUT ALL THERE NUMBERS WERE DISSCONNECTED I THEN CONTACTED MY CHASE CARD ON XXXX XXXX I DISPUTED THE CHARGE AND A XXXX XXXX CONTACTED THE APPROPIATE PEOPLE AND THEY TOLD HER I WOULD RECIEVE A REFUND IN 4-6 MONTHS. I HAVE ATTEMPTED TO GET HELP FROM MY CARD COMPANY WITH NO LUCK I AM AN ELDERLY WOMAN WHO HAD TO BORROW MONEY TO PAY THIS DUE TO THE HIGH INTEREST RATE. I DONT UNDERSTAND WHY MY CARD COMPANY WILL NOT HELP ME I AM SUPPOSED TO BE PROTECTED AGAINST THINGS LIKE THIS. I FEEL AS THOUGH NO ONE IS WILLING TO HELP ME AND THESE PEOPLE JUST GET TO RUN OFF WITH MY HARD EARNED MONEY. I DONT UNDERSTAND WHY NO ONE IS WILLING TO GET MY MONEY BACK. I HAVE DISPUTED THIS CHARGE MORE TIMES THAN I CAN COUNT OVER THE YEARS AND I WILL NOT STOP TILL I GET MY MONEY BACK