davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I received an electronic check from XXXX XXXX XXXX 's an echeck to be more up front from them it had JP morgan chase bank endorse on the check. I verify through there website several times chase would n't accept it they even called the police on me and told them I wrote ah bad check after going through two chase banks were I was totally disrespected and not even help once I was able to deposit the echeck it went through and it was returned ahead few days later saying that the account was closed and XXXX closed my account because of it I received ah substitute check from XXXX and nothing I can do with it because that account was closed after doing my research the check is still valid and I Have the person who name is on the account real name I want to know how is a closed account from chase still valid and I also want a refund
Consumer complaint received 2022-11-15
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. (MO)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 to 3 Credit Bureaus but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$6900.00}
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AL)

I will keep submitting this case until the people whos behind PayPal credit pays for the scam they are doing with late fees to consumers like me. The whole problem that yall purposely create with the way we can pay or not our debts are a full fraud to consumers and a violation of federal law. My debt is with PayPal credit, if I want to pay using PayPal because thats the only way I want to do it yall are no one to interfere and limit the form of payments I can use. Ive already explained the problem that you, your company, and PayPal created to charge fraudulently late fees. 

You stated that the only way I can pay on my PayPal account is using an existing linked bank account, let me explain something that you probably arent aware, if thats the case, why PayPal credit have the option of adding a card or a bank on the payment section? 

Man, Im not a fool as you think. 

Im seeking for a whole erase of the late fees, if you, your company, and PayPal creates this whole mess, yall are suppose to stand because yall are in violation of federal law.

I will submit my proof of the matter as I always do to the state attorney, the local news, and I will send this story to the XXXX XXXX  as well. 

Your game is about to go down.
Consumer complaint received 2022-10-02
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. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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 got into the hands of the wrong person.
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (AR)

Arvest Bank and Arvest Mortgage have recently merged, creating many issues. 
- Online payment systems aren't accessible - Phone support is lacking and can not provide information - Information about the merge has a date of XX/XX/2022 on the letterhead but customers didn't receive the letter until early XXXX notifying us of the change less than a week away. 
- XXXX XXXX was slated to be the day that the mortgage information was back online, but it's now XXXX XXXX, and the website still is not functional. 
- Poor communication : Customer support is unable to provide a date - Potential Credit Score hits : I'm concerned that my account may show that I was late on my payment due to this change.
Consumer complaint received 2022-11-15
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 submitted a letter to the XXXX Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I beilive that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the XXXX Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; must be updated to reflect accurate information on my Credit File.
Consumer complaint received 2021-12-15
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. (OR)

On XX/XX/XXXX I received a credit alert stating that XXXX reported a new address update Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Oregon - XXXX Im very concerned because this is definitely inaccurate and I believe Im being targeted for identify theft. 

There are other inaccuracies on my 3 credit reports as well. This is the most recent one.
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I applied for a CitiGold checking account XX/XX/XXXX. There was a promotion going on at the time that expired as the year did and I wanted to take advantage of it. I applied and was approved but had to call in a couple of times to get the account funded. Each time I checked to make sure I was " on time '' and still eligible for the bonus. And each time I was assured that I was. 

After that I worked hard to meet the requirements for the bonus. The timeline was pretty aggressive, so I had to rearrange many things to make the required bill payments and spend money on the associated debit card. But I did and in plenty of time. 

There now seems to be some kind of problem getting my awards. Citi has opened a case to research the issue, but it has been a couple of weeks now with no positive conclusion. I am told I just have to wait. Wait with a monthly fee due the XXXX of every month. 

I am due XXXX of XXXX XXXX miles which is the bonus they offered for opening the account and following their own rules. I followed the rules but now Citi does not want to do the same. This is not what I expect from a bank that holds my money. This is my only possible recourse to collecting what I am due.
Consumer complaint received 2022-11-15
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$34000.00}
Consumer complaint received 2021-12-14
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 — Their investigation did not fix an error on your report
Company: CL Holdings LLC (FL)

I would like complain about a debt collection.On XX/XX/XXXX I submitted a disputed certified letter to XXXX, XXXX and XXXX requesting a investigation on a collection from XXXX XXXX that allegd that I owe them {$1200.00}. XX/XX/XXXX I received a letter stating that the investigation was completed and verify. on XX/XX/XXXX I sent another letter to all XXXX credit bureaus asking for verification on the reinvestigation neither company replied. XX/XX/XXXX I sent another letter to all XXXX credit bureaus letting them know that they failed to verify items that I disputed. On occasion XXXX capital will be remove from my report and days later put back on my report as new debt this has been going on for XXXX XXXX years I would like this to be removed from my credit report forever.This is violating infringements and injury to my creditabilty. 
Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (LA)

I have disputed XXXX bankruptcies are listed on my Experian credit report. They XXXX came back verified. I asked Experian to re-investigate these accounts and per section XXXX of the FCRA send me all the information from their investigation such as who they spoke with to verifty this information and on which date. I contacted the bankruptcy court and I have a letter from them stating that NOONE has every contacted them to verify this information so my question to them is how are they able to verify this and have it listed on my report. Another thing is the information that they have on my report in inaccurate and incomplete. I had to search for the correct mailing address because the address they have listed on my report in incorrect. I have a copy of the mail that was sent back to me returned to sender. How is this accurate and verified when the address they have listed is WRONG. Also, the information is incomplete. The claim amount is listed as {$0.00}. The Liability amount is listed as {$0.00}. How is this accurate and if a TRUE investigation was done it would be complete. I would like this incorrect and inaccurate account deleted from my credit report.
Consumer complaint received 2022-11-15
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

Hello, PayPal team, I am the account holder of " XXXX '', my email has been hacked and permanently XXXX, now I can not log in to PayPal, please help me update my account information, thank you
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

On XX/XX/2021 Citi froze my account without any notice. They refused to give me any information in regards to the debtor. After hiring an attorney and doing research we were able to find the debtor. After going to court and getting a court order Citi bank received a copy of the court order on XX/XX/2021. As of today XX/XX/2021 this court order has not been proceed by the bank and the funds have not been released. Everyone Ive spoken to in the branch as well as over the phone has not had any answers. I also provided the same court order as the debtor and they both have went unanswered by Citi Bank.
Consumer complaint received 2019-12-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

1st. 5 years or so ago, Nationstar Mortgage, now Mr. Cooper. Kept screwing me around because i got behind 2 payment. First they had me pay 3 monthly pmts, then they said i didnt do it right, and made me do it again. Then they said i didnt do it right and told me i needed to refinance in order to save my home. They refinanced me at 40 year mortgage and added {$17000.00} on to my total. 
NOW they are trying to reposes my home saying i am behind 2-3 months, but my payment is made directly from my checking account to my morgage payment. XXXX has the record of 12 monthly payments for 2019. Thank you XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (CA)

I began law school in XXXX of XXXX. Since then, UAS Connect has requested payment and submitted " past due '' notices and reports to credit bureaus 9 times. The reports on my credit report reflect past due payments for XX/XX/XXXX, XXXX - XXXX of XXXX, and XXXX - XXXX of XXXX. Not only did I dispute these reports on XXXX XXXX over 6 times, I emailed UAS customer service 3 times between XXXX and XXXX. I received one response on XX/XX/XXXX citing that they corrected my deferment status. However, they made no attempt to correct my credit score. Each time learned a payment was late, I paid them because I did not know any better. 
I recently spoke with a representative, seeking payment on my " past due '' account on XX/XX/XXXX. I told her that my account is and was in deferment from XXXX XXXX. She confirmed that each past due notice was made in error and that I should not have been penalized on my credit report. However, no correction has been made. I called a second time on XX/XX/XXXX to request the changes be made immediately, but was told doing so is " impossible. '' As a result of their refusal to correct 2 years worth of negligence, my credit score fell upwards of 200 points. I can't apply to the only credit cards or car loans I can afford. Most importantly, I have to delay my application to the California Bar until my credit score is repaired. UAS Connect was put on notice in XXXX, again in XXXX, and for the third time in XXXX. UAS 's conduct is not only predatory, but reflect willful violations of the FCRA.
Consumer complaint received 2022-11-15
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: GOLDMAN SACHS BANK USA (NJ)

I reached out serval times to get a payment arrangement was not offered the help until today how ever I was recently reported as not current after serval failed attempts of trying to pay the minimum. I have communicated an asked them serval times when I was unable to work they told me over the phone they didnt have anything to offer months later I got an email stating they offer payment arrangements. Then I have tried to get a payment arrangement it wasnt until today I have finally made contact to get one finalized XXXX months later. Completely ridiculous no one should have to go through. Horrible communication with this company. After several attempts of being persuaded into keeping my card open I was then put on a payment plan today. All of this could have been avoided if I was given the correct information the first time.
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

So I bought a product on my bank debit card money network in the amount of {$1200.00} the gentleman I bought it from stop responding after XX/XX/XXXX on a product I bought in XXXX. I put a dispute in to my bank account money net work. After waiting 90 days they refused to dispute the charge and told me it was a civil matter and when I ask to speak to a manager they left me on hold I called back and told be that its denied and there noting they can do. Horrible bank who will not help me on something I never received. My name XXXX XXXX phone XXXX
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/2021. XXXX refunded {$73.00} into my checking account after I cancelled a carpert cleaner I ordered. 

XXXX ID # is XXXX, their authorization code number is XXXX. 

I checked my checking account with Wells Fargo. It's as though the transaction never took place. I'm checking my account and XXXX is not listed.
Consumer complaint received 2021-12-14
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. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-14
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. (TX)

This credit reporting agency has been furnishing unverified information on my report causing me to experience denials of extension of credit. 
I have not verified or approved ANY of the information that is being displayed through their agency. I would consider that fraud!
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Neon Newco Corporation (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT WAS OPENEDAND FRAUDULENTLY USED, AND THE FUNDS WERE MISAPPROPRIATED, I CONTACTED THIS COMPANY ON SEVERAL OCCASIONS IN AN ATTEMPT TO RECOVER MY FUNDS, WHICH BY LAW WAS SUPPOSED TO BE FDIC INSURED, DURING THIS PERIOD I WAS XXXXXXXX FROM XXXX THIS WAS VERIFIED BY NETSPEND STAFF BY AND THROUGH THE VETERANS ADMINISTRATION DURING A CALL WITH REPRESENTATIVE " XXXX XXXX ON XXXX THERE WAS AN INDEBTEDNESS APPLIED TO MYSELF FOR THESE PAYMENTS THAT WENT TO THIS ACCOUNT, A POLICE REPORT WAS GENERATED XXXX XXXX XXXX XXXX WHICH WAS IN REGARD TO IDENTITY THEFT TO XXXX XXXX XXXX XXXX, MY COMPLAINT IS IN REGARD TO NETSPEND NOT BEING DILIGENT IN RETURNING MY FUNDS TO ME REGARDING THE IDENTITY THEFT, I WAS CLEARLY XXXX DURING THAT TIME AND COULD NOT HAVE POSSIBLY MADE ANY OF THE TRANSACTIONS.
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Signed up for Citigold XXXX bonus back last year. The fine print of the promotion stated that XXXX points would be credited to my account if I met the qualifications. I opened the account, completed the requirements ( {$1000.00} debit spend, XXXX bill pays, etc. ) and confirmed on the phone with an agent that my account would soon be credited. 

Several months later I still had not received anything from Citi, despite having completed the promotional requirements and confirming over the phone with the agent that I had done so. Another phone call to Citi resulted in an agent once again telling me that I had completed the requirements and the points should post. 

After another month of no points, I was getting very frustrated. The bank account was $ XXXX/month, more than I would normally spend on a bank account, but the promotion and the benefits made it worth it. After calling in for a 3rd time to confirm, I was told that there were no past communications or points that were coming my way. Extremely frustrating since representatives from the same number told me otherwise. 

I recently closed the account, which actually resulted in the institution downgrading me to the basic account, and charging me $ XXXX/mo + {$34.00} overdraft fee since I emptied the account when calling in to initially close it. I am incredibly frustrated and have spent so much time and effort speaking with representatives and moving money around.