davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (OH)

To Whom It May Concern : For many years I contracted with Equifax for credit monitoring. Monthly the service has been billed to my credit card. In XXXX I started having problems that the service would not let me run updated information as I had been doing for years. This went on for several weeks so I contacted them by phone. When I contacted the representative I was told me he could see what the problem was and that they would get it fixed. Another week or so went by and still the same. I contacted them through their site to cancel the service of which I received a survey inquiring as to why I was cancelling the service. Shortly thereafter within a week or so I learn of a breach through media. The charges to this day continue to be charged against my credit card yet they advertise they will be providing this service free for all they have affected. I contacted my credit card company notifying them that I was disputing the charge. They reversed one month and continue to charge me monthly for a service I cancelled. I again reached out to Equifax through their site and received a response that they would follow up with me and gave me a case number. So far no one has returned my call either by phone or e-mail. This organization has no approval to continue to charge my card however they do so monthly. In lite of the situation at Equifax, their failure in late XXXX to disclose to me an issue and ongoing billing after they have been told to cease is absolutely unacceptable.
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

There is a account being reported by the Merchant XXXX XXXX CARD. Being reported on all 3 of my credit reports indicating a debt owed in the amount of {$800.00}. I never had a account with XXXX XXXX CARD. I am a victim of identity theft this account was open fraudulently. I have filed a dispute with XXXX and XXXX, and I still DISAGREE with their investigation results. I have filed a identity theft report at identity theft.gov and I have filed a police report regarding this matter. The information of me being a victim of identity theft has been reported since 2017 to all 3 credit reporting agencies. As there is a personal statement added to my credit file. I really would appreciate it if you could REMOVE THIS FRAUDULENT ACCOUNT FROM MY REPORT it is being reported as a closed account with debt owed. {$800.00}. Please remove the account in entirety.
Consumer complaint received 2018-12-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (OR)

On XX/XX/2018, I agreed on a {$500.00} loan with XXXX XXXX XXXX. 

On XX/XX/XXXX, I had a minimum payment due for {$150.00}. I emailed and asked XXXX XXXX ( person who handles my loan ) how much my final payment would be if I want to pay {$300.00} instead of {$150.00} on XX/XX/XXXX. XXXX said after the {$300.00} is sussesfully in ( if I agree to pay {$300.00} ), the system will calculate and give the amount for final payment which is due on XX/XX/2018. He said the final payment would be {$360.00}. I havent agreed or authorized for {$300.00} to be made but {$300.00} was withdrawn on XX/XX/XXXX instead of {$150.00}. I didnt complain about it because it was what I wanted to pay. 

- On XX/XX/XXXX, i emailed XXXX to make sure the final payment I have to pay on XX/XX/XXXX to have to loan paid off. He emailed me back telling me the final payment would be {$450.00} ( instead of {$360.00} he told me ). I and XXXX were still in the middle of the confusion about why the final payment is way more than what I was told after I paid {$300.00} for the first payment. I never received a reply from XXXX. 

On XX/XX/2018, {$150.00} was withdrawn from my bank as the minimum payment due. I emailed XXXX and asked him why {$150.00} was withdrawn when I and he were still trying to work the final payment out. I wanted to pay it off not minimum payment only. He replied {$150.00} was withdrawn as the minimum payment due because there was no confirmation that I wanted to pay off with different amounts. I asked him then why my first payment was {$300.00} without my confirmation. He keeps denying it and blame on the company system - and he told me he talked to his manager and I can pay off the loan tomorrow in the amount of {$290.00}. 
In conclusion, I cant avoid the final payment in the amount of {$450.00} or higher ( even tho he told me it would be &
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (FL)

I was denied a credit card by Chase Sapphire because I had opened XXXX credit cards in the last two years. I have never defaulted on a payment in the last 50 years, I own my own house and two cars, I have almost {$1.00} million in my brokerage account, I have no problems with my credit score, I have no debts whatsoever and I pay all outstanding bills in full before the due date. To me this is an arbitrary rule that should be subject to review when requested by the customer who has had an application denied. Despite my inquiry and request five times to Chase, they are unwilling to review the application based on the additional information that I have provided. To me this is discrimination against those of us who have maintained excellent credit over our lifetimes and wish to make only credit card purchases. We are falling into the same category as those people who simply live beyond their means by unwisely using their credit cards. I resent being so classified and not even being able to have anyone review my application. Gosh, even XXXX are vetted! I ca n't get anyone to listen to me.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I have a cc with XXXX ' store and have missed payments in the past and my online access to the cc was blocked therefore I am not able to make online payments only if I go to the store. This is an inconvenience because if I am not able to make it to the store again I incur in a late fee and miss payment. I have called and asked in the past to get my account unlocked but they refuse saying that I was late in the payment and I could do it over the phone incurring in another fee to which I refused. I got my account up to date but again have an issue with same store recently when the payment was applied incorrectly and again they charged me a late fee. I called and they fixed the problem but when irequested the lady to unlock my account ( today XX/XX/17 ) she refused to do saying that I was late 60 days and after this they sent me to collection- the balance is {$1.00} that she says was in interest although I had made payment before the due date but they applied it to wrong account. 
I protested that how come they lock my account so I can not access it online but she did n't get me logic answer and this causes more issues to me. 
are stores allowed to block accounts so users can not view the accounts at all? is this legar?
Consumer complaint received 2023-02-09
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)

I closed my XXXX XXXX account yet representative XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request of consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.
Consumer complaint received 2018-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CT)

In XXXX, I took out a student loan to attend XXXX  school at the XXXX XXXX XXXX XXXXa at XXXX XXXX. I borrowed approximately {$22000.00}. I began paying back on the loan in XXXX. Since that time the loan has been bought and sold numerous times. I can not tell you what specific lending institutions had the loan during the past 19 years. Currently, my balance is over {$17000.00} after paying on it for nearly 20 years. I dont know how that could possibly be. I have tried on multiple occasions to contact lenders for loan and payments histories to no avail. No one has been able to provide this information. Specifically, I have not been able to find the original amount borrowed versus what I have paid to date. I have had no success tracking this down. The current loan holder is Navient. They have not been able to provide any relevant information either. I am reaching out to you to help me resolve this matter. I have had zero luck myself. I feel I am throwing money down the drain.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A. (GA)

About 41 monthly payments in on a 60-month repayment plan with Citibank. In error, they drafted XXXX payments from my bank account in XXXX ( 3 days apart ). Refund of {$36.00} NSF fee and refund of {$530.00} was approved to be escalated ( XXXX48 hours ) on XXXX/XXXX/16. As of XXXX/XXXX/16, refund has not occurred although I have contacted Citibank multiple times to no avail. Only getting the runaround.
Consumer complaint received 2018-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

This complaint is regarding PayPal and their unlawful and illegal seizure of my readily available funds. 

On XX/XX/XXXX, through a series of ( 40 ) transactions, I loaded $ XXXXUSD worth of Visa/MasterCard gift cards ( {$100.00} ea ) onto my PayPal account so that the money could be used in one or two large transactions rather than used individually. 

The gift cards were processed immediately and PayPal charged 2.3 % on each transaction. However, only {$500.00} was made immediately available and the remaining was held " Pending '' while PayPal completed an investigation on the transactions. 

I was required to send them additional personal information ( drivers license, credit card statements, bank information ), all of which I submitted in a timely fashion. I was told by a customer service representative that the investigation could take up to 30 days. 

On XX/XX/XXXX, I called PayPal and spoke to another customer service representative that explained to me that the hold is typically done in order to protect against buyers requesting refunds. I explained to him that this is not a situation where money would be refunded and he said that he was going to recommend that money become available. 

As of Saturday XX/XX/XXXX, the money is no longer pending, it is listed as " Available '', however, when I go to move the money into my bank account or try to send the money to another PayPal user, I receive a system error that states " You can't use PalPal anymore ''. The message goes on to state that " I can not send or receive any money, and that the money will be held for 180 days ''. 

After several calls to customer service yesterday and today ( XXXX ), I have been told by PayPal in this instance, the money is " Available '' and does in fact belong to me. However they will continue to seize my funds for the remainder of 180 days from my last transaction. They have shut my account down, and I am not able to send nor receive funds via PayPal. The customer service representative also explained that they are not able to make arrangements to set up payment or issue me a check for that balance listed on my account ( {$3800.00} USD ). 

PayPal in this instance is acting as a Financial Institution with power to seizure, without any legal authority to do so. PayPal is refusing to release fund to me, even after declaring me the rightful owner of the available funds. 

I have made a formal complaint to the FTC ( Ref # XXXX ). 
I have contacted the NYS District Attorney 's Office. 

I am acting to file a publishable complaint with the CFPB.
Consumer complaint received 2020-06-21
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)

all filed FTC : accounts as stated : XXXX XXXX {$200.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$370.00} uS Dept ED {$5500.00} deptedXXXXt {$5500.00} XXXX  {$410.00} XXXX XXXX {$350.00} XXXX XXXX {$410.00} XXXX XXXX {$740.00}
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-08-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA (NY)

XX/XX/2020 bought a hyundai XXXX from Hyundai XXXX XXXX pushed me into buying car that they never let me test drive stating your age you cant drive this car because youre XXXX which is nonsense I just needed a car and was dedicated to buying a car but they said I could test drive it once i came back and when i came back they basically gave me a pen sign contract give me down payment we request and youre on your way also by over promising things that will be included made me buy warranties I didnt need nor want without giving me a chance to say no asked for downpayment meanwhile took a loan out for more than out the door price they gave me when I saw contract guy said dont worry that isnt what your paying for meanwhile took advantage because ut was my first car bought.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On or around XX/XX/XXXX, I discovered a series of fraudulent transactions that occurred with my Chase accounts while I was on vacation overseas. This was directly tied to a series of mail theft that was happening in my building and surrounding area during this time. Two of my accounts, a personal checking account and a business checking account were both affected. Chase unilaterally decided to close my business checking account while keeping my personal checking account active. They suspended the funds in the personal account while issuing a refund for the business checking account in the form of a mailed check. This was explicitly against my instructions and intentions as I had no way of retrieving any form of payment, and due to ongoing mail theft, it was unlikely that this would be a safe method that would not be intercepted. Upon my return back to XXXX XXXX in XXXX, the check had not arrived. Chase did not take the necessary precautions to safeguard and disburse my account funds in instances of mail and identity theft. I attest that, to this day, I have not received or redeemed my business checking funds from the account that Chase decided to unilaterally close. 

I escalated this with their team repeatedly over the course of XXXX and XXXX to no avail. The Chase branch where this happened could not help me resolve it either. On three separate visits to the Chase branch previously located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( where some of this identity theft and fraud happened ), their customer service team called the Chase fraud department in an attempt to resolve this. On or about XXXX and XX/XX/XXXX, during a branch visit, XXXXhase confirmed that they would be sending a new check for the balance on my business checking account, for a total of {$6400.00} and some change to a different address that is considered safe and secure. This was confirmed by the representative at Chase ( XXXX XXXX ). To date, no such check was sent, and attempts to reach them since have gone unanswered. With the branch at XXXX XXXX XXXX closed, I have limited recourse as my primary contact there is nowhere to be found.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (SC)

To Whom It Ma Concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that there appears to be a late payment for XXXX 2017 reported by Kia Motor Finance. My payment due date at that time was the XXXX of the month. My XX/XX/2017 payment ( due on the XXXX ) was actually paid on XX/XX/2017. I have tried disputing this with XXXX however, they do not investigate and only submit an electronic request to Kia. Kia then responds that the information is accurate so they refuse to do any further investigation.I have spoken directly with them and they refuse to obtain any records fromn Kia and inform me that I need a letter from Kia in order to have the inaccuracy fixed. 

I feel that these agencies are not willing to aid the consumer, but in essence allow businesses to continuously report inaccurate information which negatively impact the consumer. 

I have attached records of my payment due date and payment history for your review.
Consumer complaint received 2022-08-04
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)

XXXX and equifax aren't complying with my dispute request. I sent them a letter on the 1st and i sent them a letter on the 30th that told them my first inital dispute, its been 30 days and i haven't heard back from them. I sent them a 30 day demand to comply and they still haven't responded.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

EQUIFAX HAS NOT PROVIDED A SCORE, A REPORT, ANY CREDIT INFORMATION SINCE XX/XX/2020 AND I HAVE 17 YEARS OF CREDIT HISTORY. CALLED THEIR GLOBLE CUSTOMER CARE AND NO OF THEIR OFFSHORE OUTSOURCED CUSTOMER SERVICES AND COULDNT PROVIDE A REASON OR TIME FRAME FOR WHEN MY REPORT, SCORE OR MYEQUIFAX.COM REGISTERED PAGE WILL HAVE ANY, ... YES ANY, INFORMATION UPDATED. THERE IS LITERALLY NOTHING ON MY REPORT OR REPORT HISTORY. I HAVE A LOAN REQUEST AND IT CAN NOT BE COMPLETED BECAUSE NONE OF MY EQUIFAX INFORMATION IS AVAILABLE FOR THEM TO COMPLETE THE LOAN PROCESS AS THEY REQUIRE 3 CREDIT BUREAUS REPORTS AND SCORES. NEITHER IS AVAILABLE FROM EQUIFAX.
Consumer complaint received 2020-04-22
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. (OH)

On numerous occasions, I have complained about the following accounts that repeatedly show up on my credit report that are inaccurate and were never verified according to the FCRA guidelines 623,611 please remove the following inaccurate accounts : XXXX XXXX XXXX AND XXXX XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted according to the FCRA guidelines 623,611.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC (TN)

An account that was opened in my name was placed up for collections, this account belonged to my biological father whom I share the same first and last name with. He has used my information in the past to get credit and so fourth, I have since placed him in jail for fraud. I paid this company the balance stated I owed and asked for a deletion, it was nothing but harsh words from that point on. Please bring justice to my name, I literally paid a debt off that didnt belong to me and this remaining on my credit is staining it.
Consumer complaint received 2018-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

i deposited a check # XXXX by mobile deposit app and it was held due to funds not being avail at the time it went through ( monday XX/XX/XXXX ) since then the funds were made avail to take ( XX/XX/2018 ) then on Thursday ( XX/XX/2018 ) Wells Fargo cashed the check and removed the funds from XXXX XXXX. on Monday ( XX/XX/2018 ) I realized the money was not in my account i then called customer service and waited on hold for 20 min and then finally reached somebody and tried to file a complaint within the company. I was cut off and call never retrurned. Therefore, I would have to start over so i decided to personally go to a local branch and I waited again. The rep for the bank couldnt do anything and I requested a bank manager which never came and after 1 hour i had to go back to work and left still without resolution. So frustrated that I am unable to make my mortgage payment being due on XX/XX/2018 to the same bank who is holding my money even after they have took the funds from the check issued bank. I had a lot of positive feelings this morning when i woke up and since then the day has become very stressful and im losing pay with time being wasted. The bank automated service asks for acct number- last 4 social AND YOUR ATM PIN NUMBER.. I couldnt believe they asked me for that and they said it was OK because their system is secure not realizing the device im using is not. ( cell phone ). I have never been asked for a PIN number that is not directly typed in by me. I have been banking for a long time and you should never give your pin out verbally or digitally without a 100 % full secured connection. The cell phone make it less than secure and they are putting peoples financial info out for grabs. They already ask for your last 4 social because it is incomplete.