davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CT)

On XX/XX/XXXX around XXXX XXXX I was on a XXXX page for a music concert called XXXX XXXX looking to purchase tickets. A profile named XXXX XXXX XXXX was offering to sell 3 tickets. I messaged her and we agreed to make a transaction of {$150.00} for the tickets. She instructed me to PayPal her the money to her account attached to the email XXXX. I sent her the money and a screenshot of the completed payment, then she proceeded to give a very unclear explanation of why she was unable to access the payment, and then claimed that she refunded me the {$150.00} but that it would take three days to get back to me. I asked to see proof of the refund, and she sent back a very ambiguos screenshot of a refund ( but was completely unspecific to our transaction ). I asked to see a screenshot that proved that the refund was going to me ( because I received no notification that I was refunded ) and she refused stating that she was using a PC and couldnt take another screenshot. She told me to pay her again at a different email so the payment would work, and then she would send the tickets. I sent her only half the money, as we agreed this time, and promised to send the other half once I received the tickets. I sent her {$75.00} to an account attached to the email XXXX, which she said belonged to her cousin. Once again I did not receive the tickets and she has no ceased communication with me.
Consumer complaint received 2021-10-05
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. (PA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there is an inaccurate, unverified and fraudulent item listed on my credit report. This have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I am XXXX XXXX XXXX and have had a chase slate visa credit card that I have used for approximately 15 years. It has been central to my making large purchases over the years specifically for my property repairs which in XXXX were significant and also in XX/XX/XXXX. I did not have a need to use the card through the XXXX holidays. I try to pay my balance off each month and have had no lates as far as i can remember. 
When COVID showed up here in XXXX XXXX County in early XXXX I took steps to protect myself as a highy at risk of death should i contract COVID. I have sheltered in place since. During this time the government issued a pause or forebarence stave off negative actions by banks, landlords, and other credit lenders. 
I recently attempted to use my card XX/XX/XXXX and it did not work. I immediately called chase and they said the card had not been used and was closed. I appealed to chase management noting the pause and governmentstay at home but that did nothing. 
I felt that i was being targeted because I was older and may be a poorer risk. Why would they do this during a shelter in place especially in a Covid hotspot XXXX XXXX County! I can not get out of my house and I certainly do not want to run up debt. They offer people who can not pay their bills all kinds of help during the pandemic but retaliate against older people who have excellent credit and money management. One would think that the same credit pause issued by the government would apply to those with good credit. Chase is targeting the elderly during a pandemic crisis. This card had a high credit limit which insures I protect my property in case large repairs are needed or other urgent needs.
Consumer complaint received 2021-10-05
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. (SC)

I have been sending in disputes since XXXX of 2021. I still have not received any results. Every time it is verified. The information they are reporting is not correct.
Consumer complaint received 2021-10-05
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. (MD)

There is a number of personal items and accounts that does not belong to me and that are incorrect. I originally sent a letter about this when i found out on XX/XX/2021. It has been well over 30 days and i have not been updated. There are no updates and the credit bureaus do not help or give any helpful information at all. I dont like that the credit bureaus get to ignore consumer laws, this is really unfair.
Consumer complaint received 2021-05-20
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 (CA)

PayPal has closed my account and will not help me With getting it back up and going i am not sure if this is a Mistake as I assume it has to be. I have not been able to get help From them for months And I feel like they are not doing there job my linked PayPal email is XXXX XXXX
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Innovis (GA)

To whom it may concern, my information has been compromise in XXXX  data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. 
An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank gave me a Qualified Mortgage that has a balloon payment, is longer than a 30-year-term and negative amortization ( my mortgage just jumped {$1300.00} last month due to their negative amortization practices on the loan ). 

ALL these " risky loan features '' are illegal and not permitted : https : XXXX
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

THIS BANK IS NOT COMPLYING WITH ITS POLICIES IT IS HOLDING ME RESPONSIBLE FOR A FRAUDULENT USE THAT WAS ON MY CHECKING ACCOUNT. IT SAYS TO SEE ME SENT AN ALERT TO PREVIOUS NUMBER XXXX XXXX THIS NUMBER IS NO LONGER MINE I CHANGED THE NUMBER WHO COULD SEE ACCEPTED IT WAS SAFE THE NEW PEDIETARY OF THE NUMBER, MY XXXX WAS STOLEN AND THE TRANSACTIONS WERE DEPOSITED THAT ALL THE TRANSACTIONS REPORTED WERE STOLEN BECAUSE THEY WERE DONE IN A FRAUDULENT WAY, THIS IS ALREADY MY SECOND COMPLAINT THROUGH THE CONSUMER AGENCY, THEY SENT ME A RESPONSE THAT I HAVE ALREADY SEEN BUT THE DECISION THAT THE BANK IS MAKING IS AN ERROR, I NEED TO CORRECT THAT AND GIVE ME MY MONEY IN MY BANK ACCOUNT, PLEASE INVESTIGATE THAT THIS BANK IS PROVIDING THE CORRECT SERVICES TO CUSTOMERS, SINCE IT IS NOT COMPLYING WITH MY WELLS FARGO CUSTOMER RIGHTS, I RESOLVE THAT IT IS RESOLVED TO ME .. PLEASE FINE THIS BANK AS IT IS NOT HELPING ME .. 

Prepaid / Debit / ATM XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-05
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. (NC)

This complaint is against XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2019-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO. (KS)

I have an auto loan on my XXXX XXXX through Chase. 

My payments are about {$470.00} a month. I typically pay {$480.00} a month which is more than the amount due. Because I pay more, the payment amount should decrease each month. Chase has normally calculated the payment this way, but in XXXX, they failed to take into account the extra money I had paid on the account for the last year. So, on my statement, they show the normal {$470.00} payment due rather than the adjusted amount which should be about {$420.00}. So, I attempted to pay the {$420.00}, Chase would show I underpaid when it was not. 

I am supplying copies of my monthly statements with the complaint reflecting the payments, the previously adjusted monthly payments, and XXXX 's incorrect adjusted payment. 

Thank you.
Consumer complaint received 2020-07-12
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. (OR)

I recently Ordered a Copy of my credit report and noticed XXXX XXXX XXXX on the report, I do not have any recollection of this alleged Collection account or the company reporting it such I never even heard of this entity, and received no such contact regarding this alleged account i looked up their information in Oregons Secretary of States Business portal I could not find them at all which seems as if they are trying to collect a debt in a state they are not licensed in which would be unethical but not much of a surprise coming from a collection agency. 


Account number - XXXX.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

Today I saw. Address to take off are XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, Also XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, In, XXXX. Address giving I never lived. Accounts, Inquiry, that is not mine. Its XXXX XXXX inquiry,  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$390.00}, XXXX XXXX {$500.00}. This accounts loan, hospital ER was not opened by me. This is identity theft. I never went to ER in XXXX. I lived in XXXX, Fl. The ER account is under collection said it opened in XX/XX/2020. No one contacted me from XXXX XXXX. To open this loan. I have a fraud alert on my credit reports. With my contact information along with my phone number. There is also no inquiry from this company. Not sure how they got my information. This seems to be a scam. I never signed up or opened this. I did call to ask for my application. I asked for my driver license along with my signature. These companies refused to call me back or give 100 percent submission to my request. Please take off or block this information on my credit reports. The XXXX XXXX  took out from our XXXX XXXX account wich is now closed. My husband was the head of the account so he was the one that had to fill out the form for fraud identity thrift. sense the account is closed. I cant give you paper work only the refunded amounts our bank gave us. But I am submitting our car ins card to prove we XXXX XXXX XXXX XXXX and I have the same accounts. We are married.Thank you.
Consumer complaint received 2017-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MN)

Hunter Warfield has caused me much anguish by reporting an invalid debt to the credit bureaus. Hunter Warfield occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an OPEN account. I never received notice of this debt from Hunter Warfield. I applied for a home loan and was denied due to this criminal act by Hunter Warfield. Hunter Warfield is claiming that I owe them {$3100.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and XXXXunter Warfield. My first debt validation letter was sent to Hunter Warfield on XXXX/XXXX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a response back from a XXXX XXXX advising me that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another XXXX of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent Hunter Warfield a second request on XXXX/XXXX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with Hunter Warfield, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for Hunter Warfield is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.
Consumer complaint received 2021-09-01
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. (TX)

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$1600.00}, opened on XX/XX/XXXX being reported by XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX XXXX XXXX XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and XXXX  XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

I have been constantly receiving postal mail from this company called Transworld Systems , Inc with the physical address XXXX XXXX XXXX XXXX, DE XXXX where they are trying to collect a balance that according to them I have pending with the XXXX company, when I receive this letter, let me know with them to understand what it was about because I do not have an account with XXXX to owe them anything and they did not know how to give me an answer, then I contacted XXXX asking for information and they told me that it could be a fraud, in the letter my name appears incorrectly written but they have my address and letters are constantly coming to me
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In reviewing my credit files, it appears there is a collection from XXXX services which i have not acknowledge of. I believe the information is false due to the fact i have never associate with XXXX, my phone bill and internet are with XXXX services.
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (CT)

I have recently purchased a car from XXXX  of Connecticut and XXXX and was told that the only way I would be able to apply for a loan and get a car is if i provide a down payment of XXXX dollars I was told by XXXX XXXX of this matter after I paid this deposit it has come to my attention that this was a violation of 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : All charges must be included in the finance charge!!! My initial down payment was not included with my finance charge
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (CO)

The banking fees went from {$17.00} per incident to {$37.00} plus {$28.00} per incident. These fees were all incurred in 2019, XXXX {$130.00}, XXXX {$170.00}, XXXX {$210.00} ( refund of one fee  of {$37.00} XXXX, XXXX {$220.00}, XXXX {$140.00}, XXXX {$140.00} in addition to the {$5.00} per month service fee ( along with the {$5.00} per month service fee charged on my daughter 's " free student checking '' account ) and the bank continues to charge fees when they closed my account. 

The fees are out of control, this is one of this banks ( most likely any banks ) largest source of revenue ( in the top 3 ) and is up to 20 % of their revenue. They are gouging consumers ( similar to ridiculous interest rates back in the XXXX XXXX - APR 's of up to 40 % ). Why isn't this being regulated? Consumers are strapped with housing prices and inflation far exceeding the wages earned. 

I will also be seeking guidance on a class action law suit.
Consumer complaint received 2019-10-25
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: TCF NATIONAL BANK (MD)

The vehicle loan was traded in to a car dealership and it still appeared under my credit report after XX/XX/2017. The derogatory comments should be removed from my credit because the title was transferred in XX/XX/2017.
Consumer complaint received 2019-10-25
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: CITIBANK, N.A. (FL)

I have submitted several complaints against best buy CBNA, My last dispute was handled by XXXX XXXX who was highly upset regarding my dispute which they were in fact reporting inaccurately! He decided to report more inaccurate information to the credit bureau regarding my paid off closed account which made my score drop 40 points. That was fraudulent and he had no right reporting any new information on an account that was paid off and closed 5 years ago!
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

ALLY continues to report a late payment on an account that was complete in XX/XX/XXXX. XXXX, continues to report this account which should be closed. Calling XXXX, results in disconnection. 
Ally reported a late payment in XX/XX/XXXX which resulted in an XXXX points reduction.
Consumer complaint received 2021-11-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MS)

On XX/XX/2021 I opened a savings account with Citi Bank in response to their solicitation to provide me XXXX Aadvantage miles as long I deposited at least {$XXXX} for XXXX  months. Since XX/XX/2021 I have maintained a balance over {$XXXX} dollars, yet I have not received the XXXX XXXX miles Citi promised me with their offer.