davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Old information reappears or never goes away
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. ) 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. ) Chase Mortgage, 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.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AL)

Have been long-time Marriott card holder that earns points. Once it became XXXX Marriott, we have been unable to gain access to our points and Marriott has been unwilling to assist us in that effort. Each time we call they are rude and uncaring. We complete all of the necessary paperwork and fax in as requested but still no access. The supervisor ( XXXX, XXXX XXXX ) is the most unprofessional individual on the planet. Our rewards number is XXXX
Consumer complaint received 2017-04-26
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: JPMORGAN CHASE & CO. (AR)

I spoke with  XXXX  representatives from  Chase Auto Finance  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the last  five  years, but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  Chase  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from Chase showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, XX/XX/2022, and XX/XX/2022 a merchant called XXXX XXXX XXXX XXXX charged my wells fargo checking account in three different occasions. Wells fargo is saying because I have a history of buying online crypto in the past from other crypto websites they won't investigate or protect my account from these three unauthorize transactions. In what world does me buying from another site, automatically " disqualifies '' my account from having protection?
Consumer complaint received 2015-03-27
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

I GOT SCAMMED VIA PAYPALHe told me to send as " to family or friends '' I was trading {$78.00} + {$1.00} ( fees ) = 80 $ totalfor counter strike global offensive case keys. 

He offered me XXXX keys for my 80 $ which I took to be a fair offer and accepted the trade, sending him the money first via paypal verified. He tells me to wait a moment because he needs to check he has received and then he logs on and blocks me.
Consumer complaint received 2015-12-30
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NC)

paypal unilaterally deemed my account a " security concern '' and closed my account XXXX XXXX, 2015. I have attempted on multiple occasions to contact them via phone or using their online contact system. Each of these methods is infuriating enough to navigate, let alone attain results in utilization. With each phone contact, an employee gave me a scripted response with the promise they would forward my information and complaint to the " relevant department '' without result. I was told I would receive my money after 180 days from XXXX/XXXX/2015 and am still unable to withdraw my money. I find this behavior on paypal 's behalf reprehensible.
Consumer complaint received 2023-04-11
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. (HI)

I got at call from XXXX XXXX XXXX asking me if I was applying for a XXXX credit card. I told them absolutely not. She said okay and that she would " take care of it '' Then I got an alert from XXXX XXXX that there was a credit inquiry ( XXXX ) and then the next day there were inquiries from both XXXX and Equifax. 

I have Fraud Alert already in place on my credit report but because we are in the process of getting a mortgage I have NOT yet placed a freeze.
Consumer complaint received 2023-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

My loans qualify for PSLF under the Temporary Waiver, with my ECF approved in the spring. XXXX was my servicer and I was transferred to MOHELA in early XXXX. On XX/XX/XXXX, after no change in status, I called and spoke with a MOHELA supervisor who advised that the transfer process and having my loans discharged could take up to 90 days. On XX/XX/XXXX I contacted MOHELA again to ensure that they didn't need anything else from me and they confirmed they had my PSLF form, my ECF form, and that it is a process that could take up to 90 days. It has now been just over 100 days since MOHELA said it could take 90 days, which itself was nearly 30 days after the initial transfer. My loans have not been discharged. Both MOHELA and Studentaid.gov systems concur that I have XXXX qualifying months and am eligible for PSLF. I began a complaint case with XXXX on XX/XX/XXXX and have received no followup or contact as a result ; and there is no provided means through which to escalate to the Ombudsman. MOHELA 's service and processes are slow and inadequate.
Consumer complaint received 2017-04-26
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. (TN)

XXXX   XXXX   XXXX  this company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information please help
Consumer complaint received 2017-08-14
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 (TX)

Late charges only are being reported to my credit. No payments, only late charges. The late charges also should not have been assessed. In good faith, I returned an extension agreement in XXXX2016 that Kia Motor Finance refuses to accept. It was received by mail after it expired. They refused to fax or email it to me so that I could return it in a timely manner. This was also after I had paid a fee for the extension. I do n't know where those funds went. In addition, they were asked to not make dialer calls to my cell, only manual. They changed my cell to a work number after a few months and continued to call me on a dialer. When asked to mark both mine and my husband 's work numbers as do not call, they refused to do his without speaking with him. I should be able to identify a do not call number whether it is mine or my husband 's.
Consumer complaint received 2016-09-28
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MN)

On XXXX XXXX, 2016 I initiated a transfer of {$270.00} from my bank account to my PayPal account. When I check to see if the funds are available, the details of the transaction states that the transferred money will be available in my PayPal balance on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and the funds are not available in my PayPal balance. The funds should have been available at XXXX on the XXXX. The transfer is an ACH transfer, the funds cleared my bank on XXXX XXXX, 2016. All PayPal says is that the transaction is an ACH transaction and can take 3 to 5 business days to show up in my account balance. That money has cleared my account and has been transferred to PayPal. PayPal is holding my money in their bank account and refusing to credit the funds to my account in a timely manner. By delaying the crediting of funds transferred from customers ' bank accounts to customers ' PayPal accounts, the company is using my money and getting interest on my money during the 3 to 5 business days that the money is floating in their bank account. Multiply this situation by the likely tens or even hundreds of XXXX such transfers every day and the amount of money PayPal is skimming off such transfers is enormous.
Consumer complaint received 2023-01-31
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NY)

XX/XX/XXXX : Closed No Penalty CD acct. & instructed to have the money transferred to an outside bank. Called Marcus XXXX to confirm and was told that it was closed and they said " as per Federal Regulations, it takes 7 business days to receive funds ''. Then I went to look at my account online, I didn't see it was closed and called Marcus again. Was told it was closed and I wouldn't see the closure noted on my account until the money is transferred. 
Today, XX/XX/XXXX, I received a letter from Marcus mentioning a maturity date on this CD as XX/XX/XXXX. I thought that odd and called Marcus again. The rep told me that the maturity date was the initial date of the CD and I can disregard the letter. Then she saw I indicated me wanting an ACH transfer and questioned that it should not take this long to get the funds. She checked further and saw the account was NOT closed. I was very upset. So now she asked me if I want to close it ( when I was told, twice, it was ) and I said yes and requested to speak to a Supervisor. Spoke with Supv, XXXX, who said the rep on XXXX gave me wrong information of it taking 7 business days and they need to educate this person further. Then the phone disconnected and she didn't call me. So I called back and spoke to Supv, XXXX who said the " transfer is in the last money stage '' and that it could take 1-5 business days to receive the funds. So now I have to wait another week. They did confirm the account is now closed ( XX/XX/XXXX ). Case # XXXX. 
I told XXXX I am going to report this as its very upsetting and embarrassing as I told people I would pay bills this week and it may not happen.
Consumer complaint received 2016-09-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

I am filing this complaint because Paypal restricted my account and locked me out so i cant make purchases or add or remove cards. I have not even been able to use the service once for a payment. They recently said they could not verify my idenity even though they have all of my information. They sent me mail before and even a PayPal mastercard yet they claim suddenly they can not verify my identity. I provided social security number and linked account what else do they need an iris scan? There is no lawful reason for the security lockout on my account at all. This could be some discrimination in my opinion. They should stop harassing law abiding citizens. They should be able to send me certified mail that i could sign it is very hard or next to impossible for me to go and fax a copy of a bill just to prove my identity when they already know since i already provided that information and they could just send me mail.. i feel their rules dont make accommodation for XXXX and elderly because i can not easily Go fax in documents and rheir app does not work to scan documents and send them. I feel random ibdenity verification requests are unreasonable and harassment.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

XX/XX/2022, a payment from Social Security XXXX of {$750.00} and {$87.00} from the state was suppose to be deposited into my chime account. After a day or so, I reached out to Chime. They claim the never received the payment. I contacted Social Security and they provided me with the tracing number. That tracing number showed that the money was put into my Chime account and that Chime was withholding my funds and refusing to release it to me. I reached out several times or so the next 30 days and got absolutely no where. They even sent me an email saying that they could not trace were my money went to. Still to this day, I still have not received my payment.
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo foreclosed and had me evicted form my house about XXXX in XXXX XXXXI lost all my possessions and was on the streets for 3 days. cfpb must determine if Wells Fargo was in violation of federal Law!
Consumer complaint received 2022-03-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation (IL)

I had previously wrote a complaint about an issue with my savings account. While the company did issue a check on XXXX it has yet arrived after being advised I would receive on XX/XX/23. I have contacted Alvert by text 4 days in a row and by email once with no response yet again. I have not had access to my funds in over a month and they're " customer service '' is a joke. The only time I was actually able to get a response was when I filed a complaint with you previously. I would highly suggest an investigation into this company as almost all of their reviews have the same or very similar complaints. It is absolutely ridiculous that I have to go to this measure to be heard and contacted back.
Consumer complaint received 2023-04-11
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. (TX)

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.
Consumer complaint received 2023-02-02
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)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Address ID # XXXX Multifamily 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address ID # XXXX Single family 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX Single family 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX 6. XXXX XXXX XXXX Name ID # XXXX 7. XXXX XXXX Name ID # XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2023-02-02
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-02-23
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. (PA)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX  XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX