davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
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. (CA)

On XX/XX/XXXX a charge for XXXX was disputed by me against the merchant XXXXXXXX. 

Based on discussion with Merchant XXXX charge was due to unreturned equipment which consumer XXXX XXXX returned. 

The merchant XXXX refunded the amount to Chase credit card company in the amount of XXXX in regards to successful return by consumer of equipment on XX/XX/XXXX. 

This refund has not appeared on consumer credit card account as of XX/XX/XXXX as which the date consumer made a request to Chase credit card company at fax number XXXX reopen claim as refund was received by chase credit card company on XX/XX/XXXX yet not credited to Consumer account. 

Based on a letter received XX/XX/XXXX received from credit card issuer Chase Bank the charges were valid and would not issue the refund provided to Chase credit card from XXXX  on behalf of XXXX XXXX as Chase credit card company found it beneficial to act in bad faith against credit card consumers a it was more in their interest for Chase credit card company to charge consumers interest on righteously merchant returned refunds than to return said refund to consumer.
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (FL)

I made a money order deposit at a SunTrust Bank at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. While making the deposit the ATM machine malfunctioned and went offline. I was unable to complete the deposit however the ATM kept the Money Order and only returned my card. I called a SunTrust rep that morning of XX/XX/XXXX informing them of the issue with the ATM. The rep told me I see the deposit of {$360.00} on my screen and you will get credit the following day at XXXX. I did not get the credit. I went to the bank branch and spoke with a rep there who told me I would have to wait a week until the ATM was opened and then I would get the credit for the deposit. The week of XX/XX/XXXX I received the credit of {$360.00} for the money order. On XX/XX/XXXX, nearly 6 weeks later SunTrust reversed the deposit resulting in {$180.00} dollars in check charges to my account. Total withdrawn was {$540.00}. I want my funds returned to my account immediately until this matter can be resolved by either the bank or the money order issuer tracing the money order. This will be difficult as I no longer have the receipt for the money order. I want to know why it took 6 weeks to say they could not find the deposit. This is a bank error and I should not have to suffer financially and be unable to meet my obligations for something they did.
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (TX)

Around XXXX of XXXX I noticed fraud on my credit report. There were multiple credit inquires to rent apartments in Georgia. I called these apartments and companies who did the credit inquiry and provided my drivers license and statement that someone stole my identity. I also filed a police report with the XXXX Police Department. I put together a report and filed it with the credit bureaus. I also locked my credit file. Most companies cleared the false reporting on my credit report. Rent Recovery Solutions LLC showed up on my credit report in XXXX of XXXX after I cleared up most of the fraud reporting on my credit report. I immediately called the apartment XXXX XXXX who was the client of Rent Recovery Solutions and responsible for fraudulently renting an apartment under my social. The manager stated my apartment was rented under the old owners and since he was part of a new management company he couldn't help me. I then called Rent Recovery Solutions LLC and attempted to explain to them what happened. They were unhelpful and rude. They would not help me or take my report. They are making it difficult to dispute and requiring unnecessary steps to dispute. I had to call over 3 times and asked for a manager. They state there is no manager and the owner is the only manager. They also state the owner is unavailable to talk to me. It seems they are making it difficult to help their numbers and chances or recovering fraudulent debt.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited a {$34000.00} check via a Chase ATM on XX/XX/2022. I was informed by Chase that funds wouldnt be made available by XX/XX/2022. 

The check I deposited was issued by XXXX XXXX and drawn on their Chase Bank. 

When I inquired with Chase as to why a 10 day hold was placed on my check deposit, they said it was their automation holding up the release of funds because its a large check, and the type of account you have I told Chase that these were loss draft proceeds for damage to repair my home and needed funds released to pay contractors. 

I believe that Chase holding funds for 10 days on a check deposited drawn on their own bank, is an unfair and deceptive act or practice.
Consumer complaint received 2019-02-15
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. (GA)

XXXX XXXX XXXX XXXX has multiple hard inquiries reported. There should only be one hard inquiry reported and that is for XX/XX/2017. I did not ask the lender for multiple lines of credit and the lender is in violation of the FCRA. I ask that the lender correct the number of inquiries and remove the other inquiries that do not belong to me.
Consumer complaint received 2022-10-27
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: CITIBANK, N.A. (NY)

On XX/XX/2022 COMPLAINT ID XXXX was issued by Consumer Financial Protection Bureau ( CFPB ). Since then, I have been working with Citi Cards to resolve the billing disputes. There are 3 billing disputes with the XXXX XXXX XXXX. 

On XX/XX/2022 Citi Card Case XXXX was resolved for the amount {$420.00} and {$420.00} was made to permanent credit to my Citi Card ending in XXXX. 

On XX/XX/2022 Citi Card dispute resolution team uploaded documents to my online Citi Card account for two other cases for XXXX XXXX XXXX Citi Card Case XXXX for {$610.00} and Citi Card Case XXXX for {$500.00}. The document that has been uploaded for Citi Card Case XXXX for {$500.00} is the wrong document. The document belongs to Citi Card Case XXXX for {$610.00}. In short, Citi card has uploaded the same document twice for two separate Citi Card cases. 

I have informed Citi Card to remove this wrong document for Citi Card Case XXXX from my online account and email me the right document. But thus far Cit Card has not removed the wrong document from my online account and also again emailed me today the wrong document for Citi Card Case XXXX. 

Citi Card continues to promise me that they will provide me with the correct merchant response for Citi Card Case XXXX but thus far has been unable. Without providing me with proper merchant response Citi Card put the charge back to my account. 

Please instruct Citi Card to provide proper merchant response for Citi Card Case XXXX. Until the merchant response is provided to me, till then {$500.00} should be removed from my Citi Credit Card account ending in XXXX. 

Thank You.
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (OH)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions these accounts listed below have violated my rights. 

Account name : XXXXDept of ED account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX. XXXX, XXXX Account number : XXXX
Consumer complaint received 2019-05-28
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. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; XXXX XXXX ( Original Creditor : XXXX ) XXXX**** ; XXXX/DEPTOFED XXXX**** ;
Consumer complaint received 2023-02-11
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)

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 2022-08-10
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: DISCOVER BANK (GA)

In late XXXX, 2022 at least 3 weeks before payment in question was due, I called Discover to help me reduce or lump payment in with the next month due to a shortage of funds I was having. I had just been hired for new job and was told 4 weeks to start after being under-employed due to COVID. I had a family emergency so this is why I needed this and had a small amount of funds to get by. Was offered a program that " I understood '' as the payment would be put out but that my future payments would be 3x higher per month rather than my usual minimum payment per month. I would be subject to being reported if missed. I agreed because I was planning on paying off quickly any way. I wasn't comfortable with some of what was being explained to me by the representative " who was very optimistic and fast talking '' and asked for it in writing. Was told something would be sent in writing. Over the next weeks I started my job. The company took my auto pay off. I relied on this verbal agreement but later realized that I received nothing in writing to truly understand it. 30 days later, I get notified of a late payment on my report. I called the company. The first person said that she would listen to tape of agreement and said that it sounded like that late payment should be removed based on what I said and to call back in a week. I did so. At that later time, I was forwarded directly to a supervisor. She explained that despite the fact that I was told many things, they had to report me and would not be able to do anything about it because I was not " even '' eligible for the program offered. I explained that no one notified me of that and that I would have borrowed the money to pay the amount due as I had no blemished on my report. I was told that I agreed to the reporting as part of the program anyway. I asked, why would I do that if the reason for me calling almost a month in advance was so that I could make arrangements so that I would avoid being reported. Not only that, several employees gave me conflicting information and while the supervisor straightened it out to a degree, I am harmed irreparably. Something that would have been avoided. I was under a lot of stress and no one likes borrowing money from friends and family. I would have done so for this short period had I been clear. On several occasions, my account information has been wrong as well. Last month, I experienced another glitch. I payed my usual payment and an additional {$100.00}. Three days after, I received a notice of non-payment. I do have pictures of that on my phone. This is a situation that seems to be an easy fix based within the context, but I was mocked when I asked if that context could be considered. Why my 30 day late was reported should be considered and resolved by removing from my report under the agreement ( verbal ) that I relied upon.
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NH)

My wife, XXXX XXXX, and I have been working on resolving issues with her Public Student Loan Forgiveness since XX/XX/2018, and since early XX/XX/2018 if you were to count our multiple submissions of her application for her employment to count towards the loan forgiveness program. She currently has her loans through XXXX XXXX XXXX. I have taken the reigns, so to say in regard to helping her with navigating the issues she has been having, but please feel free to reach out to either of us. We have reached out to XXXX XXXX and to the US Dept of Ed 's Ohmbudsman group on numerous occasions ( est 30+ documented calls ), and had opened up cases through both regarding the issues we are having. We keep getting the run around, and neither has diligently worked to resolve our issue we are having. My wife and I believe that she is meeting the qualifications for PSLF based off of the legislation on PSLF that we have found, but they continue to deny us, and are not appropriately responsive as we have requested numerous times. We had asked for a phone call to better articulate the case, and the possible ability to discuss with a person who is legislatively literate, however, no one follows through w/ either XXXX XXXX nor the Ohmbudsman groups- as I mentioned above they keep kicking the responsibility to out of their control, or sending me emails last minute that we simply don't qualify & case closed end of story without truly having someone hear & understand our claim/appeal. My wife is working at a qualifying agency for the required 30+ hours weekly per PSLF guidelines for the past 1.5years. However, they say that since her employer considers her per diem, she needs a second job to qualify. Our issue is that the specific wording of their application, as well as the wording found within the laws themselves would side with my wife and I as being correct that she does in fact qualify for PSLF as is. Neither the Ohmbudsman group nor XXXX XXXX   themselves are acknowledging our issues, and continue to drop us before our claim can be adequately heard or addressed.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (LA)

Discover account was removed and replaced. Between XX/XX/2022, and XX/XX/2022, the following remark and account were removed from my Discover account, Account information was disputed by me, and met the FCRA requirement PLEASE REMOVED THIS ACCOUNT IMMEDLY, ONCE AGAIN PLEASE REMOVE THIS ACCOUNT OOF MY CREDIT REPORT, THIS ACCOUNT IS DAMAGING MY CREDIT SCORE AND BEING USED TO BRING DOWN AND DISCREDIT ME AS A CONMUSER AND THIS IS AGAINST THE LAW, IF NOT REMOVED I WILL BE FILING CHARGES. SEE BELOW FOR PROOF OF THE ACCOUNT WAS REMOVED. tHIS ACCOUNT HAS COST ME AND MY KIDS A HOUSE WHICH i HAD UNDER CONTRACT WITH A REALTOR, PLEASE REMOVE NOW OR A LAW WILL FOLLOW
Consumer complaint received 2019-02-15
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: eToro USA LLC (TN)

I invested money ( bitcoins ) with eToro, a trading company based in XXXX, with offices in New Jersey. It did well. I invested a total of about {$2000.00}. I anted to withdraw some of the profits several months ago. They wouldn't let me. Wanted me to upgrade to higher level. 
Which meant for me to send more money. 
I needed my money out so I told them to just close the account ( ACCT.No. XXXX ) and send me my money. They said it would take a few days, then two weeks. We are now approaching four weeks. They don't answer my emails, or calls. Seems that the are relentless in soliciting money but don't want to pay. Total they owe me is about {$4000.00}.
Consumer complaint received 2022-10-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-09-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2021, I started my administrative process of demanding verification of an alleged debt pursuant to 15 USC 1692g from WELLS FARGO AUTO. I also asked on numerous occasion for verification of the original creditor. They received my Notice of demand on XX/XX/2021. In the Notice, they were given 30 days to respond or dispute. I did not get an appropriate response from them at all. My Notices and concerns have continued to go unresolved. The only mail correspondence I received pertaining to this matter was another statement with a due date for XXXX. Said statement, as like the others, are all in a positive amount. It is false and misleading to request payment on a positive balance. 
WELLS FARGO AUTO further continued to violate my consumer rights and privacy by sharing my information to 3rd parties, which was used to commit the theft of my personal vehicle on XX/XX/2021 using skip tracing.That is clearly identity theft and grand theft. On the morning of XX/XX/2021 I called WELLS FARGO AUTO executive office to follow up on my case as their 30 days has passed, and that is when I was transferred to the reinstatement department. It was then when I was informed my personal vehicle has been taken the night before around XXXX. Prior to the call, I did not know. Again, I did not receive any mail correspondence regarding my dispute of the alleged debt. 

I have been in constant communication with WELLS FARGO AUTO, especially their executive department. Again, my concerns fell on deaf ears. I have been hung up on repeatedly and totally dismissed. The only goal of the representatives were to tell me how much I alleged owe and my payment history. No one addressed my dispute Notices or request for an update on my dispute case.No one has confirmed that I am the original creditor who extended my credit during the consumer credit transaction. My consumer rights have been violated and my property was stolen from a location I did not disclose to WELLS FARGO AUTO nor did I give consent to share any information. On a recorded line, representative XXXX XXXX told me they share any information on file. 

I mailed a Notice of default with an opportunity to cure on XX/XX/2021, which was received XX/XX/2021. They were given 10 days to reply. Later that day, I received a " notice of our plan to sell your vehicle '' from WELLS FARGO AUTO. Confirming they did in fact unlawfully authorized a 3rd party to steal my personal vehicle.The letter ( attached ) was littered with misleading and abusive language. Pursuant to federal law 15 USC 1692d ( 4 ), the advertising for sale of any debt to coerce payment of the alleged debt is a violation. I repeatedly informed WELLS FARGO AUTO I am the consumer and original creditor I have informed them of their abusive practices and invoked remedy for the damages. As with everything else, it has been ignored.