davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
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: JPMORGAN CHASE & CO. (OR)

I am requesting a refund for {$170.00} from JPMCB for a dispute that was ruled in my favor the day after I paid this charge reluctantly by phone via XXXX XXXX that processed on XX/XX/XXXX. I was not able to stop payment on this transaction as it already posted to their accounts receivables the day this dispute ruled in my favor as I proved without doubt that this supposed debt was already taken care of prior to me closing all my JPMCB accounts including my debit card and all privileges to online services as a result. 
Since I had no online services I could not see what secure message they kept sending my via email and when I called the bank no one there seemed to be able to help as they passed me off to another department once they deemed they could not answer any of the questions posed to them. This is a trend with this bank along with the agent either transferring quickly so one could not detest the transfer or them just flat out hanging up on me. I tried on numerous occasions to prove my case but no one took any accountability into looking deeper into this case so they bounced me between customer service, Chase Freedom card ( ending in XXXX ), claims and their own dispute dept. 
Since I had no online privileges and the companies refusal to send concise copies of the debt they claimed to be my own and their reluctance to provide documentation on paper as tho these secure messages or the actual dispute that they claim I owed I was in fear of incurring a late charge -- so when I paid this amount of {$170.00} the representative said the actual charge was {$160.00} but the extra {$6.00} was still outstanding on the account but was also not true because I closed all accounts without owing anything with {$0.00} balances. 
This charge was tagged onto my Chase Freedom card ending in XXXX that I subsequently paid on XX/XX/XXXX using my XXXX checking account ending in XXXX and posted as paid to Chase on XX/XX/XXXX the day I won this dispute after providing more documentation to prove my prior payment to the XXXX Disputes Team. This charge has also been removed from my XXXX account and balance {$0.00} now reflects to when this account closed XX/XX/XXXX. 
Please reach out to JPMBC to get a refund on this payment for which I didn't owe as I have repeatedly tried to work with this bank but they never wanted to work with me. 

JPMCB CARD Account XXXX XXXX Disputes Report Number : XXXX Date Generated : XX/XX/XXXX Thank You kindly, XXXX XXXX XXXX
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NC)

On XXXX I received a transaction fromXX/XX/XXXXXXXX for {$760.00}. Paypal deducted {$22.00} from this transaction without consent. I knew at the time that PayPal has two types of transactions : personal or business. This was a personal transaction and we were not looking for any " purchase protection '' that the fee provides. Knowing this, I watched the sender go through the steps to send the the money. They were using a mobile browser to access paypal.com ( not the app ). At no point were they prompted if the transaction was for " Friends and Family '' or if it was for " Business ''. The sender continued with the transaction and completed all the steps. We received the transaction on our end with the {$22.00} fee deducted from the transaction despite the best effort of 4 people watching the transaction occur. We went through each page that the website presented slowly and methodically. At no point did it ever ask if we needed purchase protection or that a fee would be applied. I will attach a screenshot of an example of a {$1.00} transaction that shows that no fees will be applied.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (OH)

This company flagged my account today for a debt I was never contacted for nor made aware of. I was never giving the opportunity to dispute or verify the debt. How did this debt occur in XX/XX/2020 when Im currently with the company XXXX that the debt is for? This debt looks fraudulent and I should have been contacted before they decided to damage my credit reports without any attempt to communicate first.
Consumer complaint received 2021-02-05
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

12. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
13. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ). I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: STATE FARM BANK, FSB (OH)

I was hospitalized and late making payment {$170.00} due XX/XX/19 I paid XX/XX/19 late fee {$27.00}. ( I ask the bank to waive ) XXXX statement charge of {$370.00} XXXX isn't my charge. I didn't make this purchase. I wrote and disputed this charge, XXXX I subtracted that fraud amount {$370.00} and I paid {$150.00} XX/XX/19 I received a letter today saying I have XXXX PAST DUE. 

This isn't true I have XXXX past due on this account. 

My account is current {$170.00} Paid {$150.00} Paid {$370.00} DISPUTE
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (CT)

In XX/XX/2018, I made a settlement offer with Discover for three payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need Discover Card to finalize my credit report to show XXXX balance, settled.
Consumer complaint received 2021-05-19
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: Risecredit, LLC (MI)

On XX/XX/2021 there was an inquiry that appeared on my XXXX credit report that I did not initiate. The company name on the report was XXXX RISE. I contacted the Company directly and they confirmed that someone had fraudulently used my name, address and SS number to electronically open an account. I was instructed to file a claim with the FTC ( Report Number : XXXX ) and to send copy of my ID for them to begin an investigation.
Consumer complaint received 2021-02-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

Jpmorgan and, XXXX XXXX XXXX XXXX, partnership or trustee of XXXX XXXX XXXX XXXX, XXXX XXXX, home loans., XXXX XXXX XXXX XXXX XXXX ga XXXX .and XXXX XXXX XXXX  XXXX ga. Ok jpmorgan Chase bank, did not give out notice on the sale deeds of these address .in XXXX and XXXX. Under XXXX  XXXX group. Mr XXXX XXXX XXXX been old owner of jpmorgan and XXXX XXXX XXXX XXXX, did not give all the heirs too the business a copy of deeds transfer ... also XXXX XXXX assert that he has bought his own property .Mr XXXX XXXX XXXX own and was a heir too these address in XXXX and XXXX. How did XXXX XXXX sell XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. His own property in XXXX. He already own it in XXXX and XXXX. Mr XXXX XXXX. Asserts also that. He is not been or work as the management or trustee Mr XXXX XXXX XXXX made him ether. So I want jpmorgan too get XXXX XXXX on the phone .too sign a letter of afiavdavit, it a pandamic out here and us the heirs too this huge companies are left for dead .not a word from the management or trustee yet .Mr XXXX XXXX XXXX been deceased sense XXXX .not a word from them yet. Need XXXX XXXX too sign this paper say he a be arrested if he is telling ly .he says y'all steel his I'd and he not doing trustee work on none of this and he didn't no he own the house he bought already back in XXXX for XXXX. So who is ly here. Let 's get the proff of who is lying. Here is XXXX XXXX phone number XXXX .leave a message if he don't answer XXXX ... .both his number. Ok ... A tax return want show u property in a trust and it operation agreement. Need a agent for this research ....
Consumer complaint received 2017-09-16
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. (MI)

Compnany Equifax was negligent in his handling and security of critical financial data, leading to compromise that will likely affect nearly all adult Americans for the duration of their life or until current credit standards are changed.
Consumer complaint received 2020-11-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (FL)

I had a loan with XXXX XXXX. XXXX XXXX went out of business and sold my loan and information to a company called SST. After a seminar Service members were educated on the SCRA act and certain states statutes. I filed for SCRA with SST and they declined to acknowledge my Louisiana Residency stating that the loan was a personal loan IAW RS 29:311. However, LA RS 29:311 for Louisiana also covers notes, in which a promissory note was signed. As well as LA RS 29:312 also states that the XXXX credit limit should not exceed 6 % from all obligations.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (OH)

I use XXXX XXXX XXXX and have a PNC credit card account. My credit card was compromised and I received a new card. When I went to update the card on XXXX  website XXXX  received a message that PNC will not allow them to link.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (NY)

I paid for services / goods to XXXX through my Citi bank account on XX/XX/2020 the amount was {$170.00} on my bank statement. Citi bank altered the amount to {$92.00} which is incorrect I have a screen shot. I spent {$78.00} for Handy Services from XXXX I had to go elsewhere locally to pay for a TV Mounting neither XXXX or Citibank refunded my {$78.00}
Consumer complaint received 2017-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Finance LLC (DE)

To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you,
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

Due to a loss of income from Covid-19, I applied for forbearance with my mortgage company, XXXX. I applied on their website on XX/XX/XXXX and received no response. I followed up with a query to the company 's website on XX/XX/XXXX and received no response.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (NJ)

Robinhood lied to Congress about their lack of support system and that has not changed. Trying to deactivate your account is hard coded to fail and sends you to an email form. I have demanded multiple times that I no longer authorize this account and they refuse to comply.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (WV)

Date of this happening : XX/XX/2020. The total transfer amount is XXXX USD. I am requesting a withdraw from my XXXX XXXX digital wallet via XXXX and transfer them to my PNC account. However upon trying to transfer the XXXX in question, the transfer displays and error message saying that PNC servers are down and that they can not complete the transaction. I called the PNC support line and was told the problem was with my specific computer and browser, yet I am able to transfer money from my XXXX wallet to my XXXX.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/2021 I Received a notice via email from the Federal Trade Commission that I am to receive a refund of {$38.00} from a Class Action Lawsuit against XXXX XXXX. The payment was to be made by check or through PayPal. Since I had been a member of PayPal for about three years and had used the app without any problems in the past I chose to receive the funds through Pay Pal. On XX/XX/XXXX when the funds were released to be paid, I contacted PayPal to receive my funds. The request was accepted at first, and then later denied. I contacted PayPal Customer Service via telephone. I spoke to a representative who made a update to my account telephone number. I was then forwarded to another rep, but there was so much static and noise on the line and his accent was so thick I could not understand anything he was saying. I stated that I could not understand him and will call back. When I did call back I got a different rep and the line was clear. He told me that he could not tell why I could not receive my funds. After the phone call he sent me an email that stated I had to get a court ordered subpoena, or hire a lawyer to access my account information. I later received emails stating that I can no longer do business with PayPal, and that they will hold my funds for 180 days without explanation. After the 180 day period of time I should receive an email explaining what I need to do to get my funds. Their policy states that funds not picked up in 30 days will no longer be available. To add insult to injury, out of the {$38.00} there is only {$38.00} available now because they are charging transaction fees for transactions that never took place. PayPal will provide no information on my account, or why they are taking the steps they are taking to deny any information. I believe that the policies of PayPal are unfair to customers and ask that they be investigated.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NJ)

Chase XXXX XXXX XXXX credit card advertizes 3x points for " Advertising purchases made with social media sites and search engines ''. However, Chase is not crediting 3x points for my XXXX XXXX purchases even after sending them the actual invoice. Chase states that they will not give 3x points since XXXX is describing their services as " XXXX XXXX XXXX ''. 

Since what XXXX does is beyond my control nor should be under my actions, Chase should work that out with XXXX, fix their system, or accept that this is false advertising.
Consumer complaint received 2020-11-24
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: DISCOVER BANK (NY)

To whom it may concern, I recently was sent a pre approval link from discover I went to it and signed up. On the link it said pre approval will not run a hard pull without me giving consent. This was all done XX/XX/2020. Now on XX/XX/2020 it is showing a hard pull and decreasing my XXXX  score like crazy. I called Discover twice on XX/XX/2020 both customer service reps agreed with what I was saying. They told me best to contact XXXX so they can remove it. I than called XXXX  waited on hold and kept talking to robots and not a live person. I was than recommended to come here so that you guys can help solve and fix this problem since it is in accurate and not authorized by me. I want this off my credit report with anyone discover ran my score through. In there own tape recorded conversations they had stated all I had to do was contact XXXX  and show picture proof if i couldn't get them on the phone. I have picture proof which i will attach of discover saying pre approved, the inquiry being place and the credit drop it created.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Citibank entered my Social Security number incorrectly when processing my application for a checking and savings account and their representatives had me send a W-9 form to correct the problem, first by fax, then by mail, and finally by email. They are now refusing to correct their records and are still listing my social security number on my checking and savings accounts with two digits reversed, instead of my correct social security number. I have called on numerous occasions over about two months and keep getting the runaround. One rep even disclosed to me the social security number and name of the person whos number was listed in error on my account. They now refused to honor a bonus offer on my account due to the fact that the number in error was tied to a person who already had a Citibank account. 

Many reps said they could fix this but it never gets done. This is a serious breach of security caused by Citibank. They had my correct SS number when they checked my Chexsystems credit report because the inquiry showed up on my report so I know they initially had the correct number. It is unconceivable that Citibank could let this happen.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ID)

Good Morning : My credit information was included in the recently disclosed ( XX/XX/XXXX 2017 ) Equifax security breach. I would like to place a security freeze on my credit file at the 3 major credit bureaus, but each charge a fee for this action. This action is wholly required due to Equifax 's failure to secure information, Equifax should cover all expenses incurred by consumers to protect their credit information for the rest of their lives.
Consumer complaint received 2021-10-07
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC