davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (FL)

It started on XX/XX/XXXX, I contacted XXXX XXXX XXXX, also known as XXXX XXXX XXXX, about them reporting an account on my credit report and which I had no knowledge about. I mentioned I was a victim of identity theft in the past and continues to happen. They told me to contact the dealership who reported it to them, XXXX XXXX, who I have contacted. They claimed I had originally asked about a XXXX XXXX and my business was denied credit but did not state any vehicle was in my name or purchased. I called back XXXX XXXX, and they kept on insisting they could not do anything and I would have to contact the dealership. They also stated I would have to make payments towards this account, or my credit would be showing late payments. I have been making payments since due to my construction business and I use my personal credit to obtain loans and could not afford to allow any late payments on my credit. On XX/XX/XXXX, I spoke with a XXXX, XXXX XXXX, and stated he would put in a request to investigate this matter. I was told I would receive a Identity Theft Affidavit, which I filled out and notarized and faxed to XXXX XXXX on XX/XX/XXXX. I have yet to hear anything back and this account is still reporting on my credit report. I will stop making these payments as for over 6 months now, XXXX XXXX has done nothing and ignoring my requests to remove this account from my credit report. 
I've also emailed XXXX XXXX a Federal Trade Commission Identity Theft Report, reported on XX/XX/XXXX. XXXX police have also been notified of this situation. On XX/XX/XXXX, I called to check receipt of the Identity Theft Affidavit, i talked to a XXXX, who gave me an email address to send copies to as she did not see that in the system. XXXX hung up the phone on me after stating she would go look at what i emailed her. I have sent 2 emails to her since and no responses at all. I do not own a XXXX XXXX nor ever purchased one from XXXX XXXX.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AL)

I paid off a car loan of {$5300.00} in XXXX. I is still showing as part of my credit amount owed. I have only {$1200.00} in credit card debt. It was with Chase. XXXX.
Consumer complaint received 2017-09-26
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)

Have sent over information inregards to inquiries that are n't mine. Not only did I mail them I faxed the same information over to them. I also disputed a few accounts and spoke with someone in the US handling department inregards to this same matter with the inquiries. I also have a bankruptcy that keeps coming back verified. I contacted XXXX XXXX   which I am not located in their systems. I have contacts XXXX several times with these issues and nothing has yet to be done. I have also asked XXXX for written proof of verification and was told they do n't have any. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-04-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I  am one of two truste es that are trying to close accounts for the trust in a trust, funds are at Chase Ban k I am in    XXXX   and the other trustee is in   XXXX   XXXX   chase will not release the funds they said that both trustees must be in the bank at the same time in  person.I a sked if the documents can be sent   XXXX   XXXX   to be notarized and sent back to the bank so I could sign the documents chase refused they said that the other trustee must be in person so sign documents, I feel that is not right as trustees we have been signing documents on line and notarized signatures for other accounts from other  banks.The bank is in   XXXX   XXXX   on     XXXX   XXXX   manager  name  XXXX
Consumer complaint received 2023-01-04
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. (CO)

I am XXXX XXXX and I am reporting this on my own behalf. XXXX, XXXX, and Equifax are reporting incorrect information on my consumer report. 

In accordance to the Fair Credit Reporting Act, 15 US CODE 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) : the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

By law, a creditor may not treat a payment on a credit card account as late for any purpose and since I never gave my express written instructions to furnish this, the late payments on my consumer report are incorrect and have been made in error.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

On XXXX XXXX ( my mother ) received a call from the XXXX XXXX representative, XXXX who informed her that they have been trying to call her regarding checks cashed starting XX/XX/XXXX to XX/XX/XXXX and they suspect fraud. XXXX immediately went to the XXXX XXXX to get details and then contacted Citibank to inform them of the fraudulent checks written by her daughter, XXXX XXXX who stole her checkbook. She filed a complaint for fraud, they mailed her documents to complete to begin the investigation. The amount identified on the initial investigation was documented at {$1600.00}. However, XXXX later received documentation from the XXXX XXXX and bank for a total of 67 checks totaling {$14000.00}. We have been communicating with Citibank fraud dept via phone. They have sent 3 letter responses XXXX claim denied due to not submitting the required documentation ; XXXX claim denied - the disputed transactions were not fraudulent ; XXXX - claim denied, did not respond in a timely manner. We have proof that we responded in a timely manner as we have kept documentation of all attempts to speak with local bank representatives and online representatives. Citibank fraud reps have not responded to our calls or emails. Attached is a list of all the activity and attempts to resolve this matter with Citibank fraud dept. 
XXXX immediately filed criminal charges and obtained a warrant for XXXX XXXXXXXX XXXX arrest. XXXX was arrested and jailed XXXX to XXXX and continue to face criminal charges in this regard. We have made numerous calls to Citibank fraud unit and have been shuffled around to various representatives, most who are not able to assist. We frequently are told a supervisor is not available and the supervisor or investigator will call back in 24 hours. We have not received such call backs. My mother is XXXX XXXX old and I've been assisting her in trying to resolve this matter as she is not tech savvy and it is very difficult to understand the bank representatives. The fraud dept is outsourced to offshore areas such as XXXX and the XXXX. We frequently request to speak to a supervisor, however, we are told they are not available and will call back in 24 hours. 
On XX/XX/XXXX a Citibank representative finally provided an email address to email a copy of all the checks and our concerns. That email was sent XXXX requesting an appeal of the denial of the 6 checks for {$1600.00} and to open a new claim/investigation for the 67 checks totaling {$14000.00}. On XXXX a supervisor in XXXX acknowledged our email was received and it would take 30-60 days to investigate. We have not received a response to the email for the total amount of the 67 checks. Please assist us with holding Citibank accountable to a proper investigation of check fraud.
Consumer complaint received 2017-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX, account number XXXX ; 3. ) XXXX, account number XXXX 4. ) XXXX, account number XXXX 5. ) XXXX XXXX, account number XXXX 6. ) XXXX XXXX XXXX XXXX XXXX, account number XXXX ; 7. ) XXXX  XXXX, account number XXXX ; 8. ) XXXX XXXX XXXX, account number XXXX ; 9. ) XXXX, account number XXXX ; 10. ) Bankruptcy, case number XXXX ; 11. ) Bankruptcy, case number XXXX ; 12. ) Bankruptcy, case number XXXX ; 13. ) Bankruptcy, case number XXXX 14. ) Federal Tax Lien, {$170000.00} Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Chase/XXXX XXXX, account number XXXX ; 2. ) Chase/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF THE WEST (CA)

I have a business checking account at Bank of the West in XXXX. Every check I deposit That can be considered " large deposit '' which is more than {$5500.00} they hold it for longer than XXXX days. At present I have a check I deposited on XX/XX/XXXX and I was told by the bank it would be released to me on XX/XX/XXXX. 
1 ). Every single check I deposit over {$5000.00} is held longer than 7 days 2 ). No check coming into my account has every not been payable.

3 ). The holds cause my checks to bounce.

4 ). The checks are from the same companies month after month yet holds are always placed on my checks.

5 ). in violation of federal law I do not receive any notification of the hold or when it will be removed until a week later by mail or I have to call the companies customer service.

6 ). Bank of the West refuse to verify the funds so they can be release in violateion of Regulation CC which requires banks to release funds XXXX hours after the banks have verified the check is good.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Equifax has purposely tried to destroy my credit worthiness by not adding positive accounts on my credit profile. They are constantly violating FCRA guidelines and when I address them about their violations they replied by saying they don't care about FCRA and They will continue to violate the FCRA. 

I have positive accounts from other credit reporting agency but those were not posted on Equifax 's credit profile that I have attached. 

Equifax is displaying biased and unfair practices towards me. Furthermore I never agreed to a contract with them to Share my personal and private information with anyone. That is violation alone by its self. I have attached the violations and exhibits below to validate my complaint. 

EXHIBIT A- VIOLATION 15 USC 1681 ( 1 ) ( 2 ) EXHIBIT B- VIOLATION 15USC 1681 EXHIBIT C- VIOLATION 15USC 1681 ( a ) ( 1 ) EXHIBIT D- VIOLATION 15 USC 1681 ( a ) ( 2 )
Consumer complaint received 2017-01-19
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (MD)

I sold an item on Ebay and as a result the item was paid for using PayPal. Unfortunately they keep putting a hold on my funds and I sell these items to pay bills. I was on a probationary hold with Ebay for safety reasons of fraud, but I am the one who is at risk. It is not fair that now they have removed the hold and now PayPal puts one on. I had to pay almost {$75.00} to ship the phone to XXXX and that included insurance and return receipt. This is not right that they do this, when they are the 3rd party and they hold money when the merchandise leaves the seller. The money is the security as the item transfers.
Consumer complaint received 2020-06-20
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: FORD MOTOR CREDIT CO. (NV)

My son co-signed for me for a car with Ford Motor Credit Company. I stopped paying the car and Ford took it and sold it without asking my son if he wanted to take over the payments. My son wrote many letters to Ford Motor Credit Company about this, he asked them to send him proof of the letter they " allegedly '' send him to take over the payments. They never send him a copy of the letter because they don't have it, instead they send him goodwill emails that he " allegedly '' send them apologizing, why would he apologize? he did nothing wrong, he never had the opportunity to take over the payments. The goodwill emails that he " allegedly '' send to them are false, they were not signed by my son. My son and I are very tired of this situation, I hope once and for all you guys send him a copy of the letter that you guys " allegedly '' send him to take over the payments before the car was repossessed or remove this account from his credit report. He has noting to do with this, I was the one who stopped making payments, he didn't know anything about it.
Consumer complaint received 2017-02-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (FL)

why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) This limitation can not be appealed. 
I Do n't Know What They Talking About They Said I Have More Then One Account I Told Them I Have Only One Account They Lied And Somebody I Spoke With tonight Name Atas Got A Nasty Attitude Some I Am Filing Another Complaint Because They Said I Ca n't Use They Service No More But They Have My SSN Bank Account And Credit Card Information On File And Wo n't Take It Off And I Ca n't Use Their Services No More
Consumer complaint received 2017-09-26
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. (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX consumer number XXXX.
Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (MD)

Paypal misled me into receiving a line of credit. I have used them as a money transfer service for years and when I signed in and had to update information I was sent through a series of steps that resulted in me getting a line of credit. I called them immediately and told them I did not want the line of credit and that I was put in a situation where going through the steps forced it. They said there was nothing they could do about it and I have to have the line of credit. It still goes unused.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

JPMORGAN Chase, was notifying me to contact them because they needed more information on my claims. I ignored the messages because I had NOT filed any claims On or around XX/XX/XXXX Chase locked my debit card I called customer service and was transferred to the Fraud department. I explained that I needed a explanation about the pending investigations being conducted on the fraudulent claims and why was my debit card inactive. I informed them that I never placed these claims, which were bizarre, there were several submitted within a 7 day period and ALL of them were reversal requests on purchases and payments that I had made in XXXX. There was one current * my XXXX bill {$110.00}. * Why would I wait until XX/XX/XXXX to dispute financial services provided during the prior year?. I was asked if I had called in the claims.. ( several times ) my answer remains NO. Why won't they check Voice Recognition since Most calls are recorded?? The fraud dept. claims that my account was credited for all of the claims, I immediately informed the person that I NEVER received any of these so-called reversal credits. Which I can prove with my mobile app. I was sent a letter informing me that in or around XX/XX/XXXX that Chase would be taking back their funds from my account. I had {$170.00} in my account on the 5th my Social Security Disability check appeared in my checking account ( 2 days late ) within 24 hours ALL of my money was gone and I am now in the negative for {$310.00} Chase expects from me. I believe that government checks are exempt from being seized unless I owe child support or alimony. JPMORGAN has locked my account I went into a local Chase branch here in XXXX, XXXX XXXX XXXX asked for assistance from one of the desk employees he called somewhere the call was brief and I could tell that the person on the other end was abrupt. After the call I was informed that my accounts would be closed, and that I could NEVER be a Chase customer again and that they would return whatever funds were available afterwards approximately 10 days when their investigation would be concluded. I was a victim of identity theft ... Chase did not protect or support me as a client. I want my money back.