davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I opened an account with Chase Bank on XXXX XXXX, XXXX. I set up direct deposit with my employer, the City of XXXX XXXX, the week of XXXX XXXX. Because of the processing time involved with switching direct deposit accounts, I received a paper paycheck on XXXX XXXX. 

I went to Chase Bank on XXXX XXXX to deposit the check. The teller informed me that the check would be held, but that he could not tell me how long the check would be held for until it was deposited. Thinking that the delay would be at most, two or three days, I deposited the check. 

After I depositing the check, I was told that it would be held until XXXX XXXX. Obviously, holding my paycheck for over a week was both unusual and highly inconvenient for me. I called the customer service line the following day, and I was told that due to the check not verifying, my account had been " restricted ''. 

The representative tried calling my employer to verify that the check had been issued, but could not reach them. When I asked why the check was held in the first place, I was told that it was because my account was new. 

I called again and the representative I spoke to tried to call the issuing bank. I was then told that the issuing bank would not verify that the check would clear over the phone. Because of this, I was told that the check must be held until XXXX XXXX and that I had no recourse, even if my employer verified the check was issued. I was told that the check was held not because it was a new account, but because it could not be verified through the process used for all checks. 

I explained to the representative that the check in question was my paycheck, and that holding it for over a week would make it difficult for me to pay bills I had due, and asked if there was anything I could do to remedy the situation. I was told explicitly that I could n't do anything except wait until the XXXX.
Consumer complaint received 2017-08-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EZCORP, INC. (TX)

I 'm being threatened with legal action for an account that was closed in bankruptcy in 2010. This account is about 15 years old and is not actionable. I plan to sue this company for illegal collection practices. XXXX XXXX from XXXX XXXX is in direct violation of fdcpa collection practices. They will both be named in the lawsuit. Phone number is XXXX
Consumer complaint received 2022-08-25
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. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Identity Theft XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXXXX**** XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX 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 a account without my written instructions.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MN)

Ditech the loan servicing company sent me a letter stating my mortgage payment had changed to a lesser amount. I in turn changed my payment amount according to the letter I received. Ditech told me the letter stated I change the payment on XX/XX/XXXX. I called to verify the correct starting date and understood it to be XX/XX/XXXX. I received a notice that my credit score had changed because Ditech had reported a late payment. Also I got charged a late fee. I requested Ditech to resend me the letter stating the payment terms. I have n't received the letter. I received a Email stating the issue has been resolved but in fact they are still charging me the late fee and reporting late payment. The amount I sent to Ditech covers my mortgage payment. the extra amount goes into an escrow account for my property taxes which is an elective amount at my discretion.
Consumer complaint received 2017-08-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

Equifax has been notified their information is incorrect on the following account : XXXX XXXX According to their report there was a payment madeXX/XX/XXXX. I can assure you any activity with this creditor ceased long before that date. I am asking that Equifax require this creditor to provide proof of the activity on the account, and by proof Im not simply referring to their printed records. They must provide a ledger accounting of all payments and dates. Otherwise Equifax should remove this account entirely. Additionally, it can not be both charged off and late as the report shows. Equifax shows it closed onXX/XX/XXXX which is accurate and that is the last activity. Also, confirm that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me. This account is NOT listed on either XXXX or XXXX. Their records are correct and Equifax should adjust their records accordingly.
Consumer complaint received 2017-09-10
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. (MD)

Equifax was subjected to a cyber hack, and while this was not their fault, they waited over 90 days to report the breach to the consumers and all that were affected. During this time period, it 's unknown how many people were affected and credits destroyed by possible identity theft.
Consumer complaint received 2020-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

I need clear answers from Robinhood for 3 different issues. 

1. I sold XXXX stock, but this fund, XXXX, was disappeared. 
I claimed to Robinhood several times. the answer was different. 
first answer was that my fund will be settled on XXXX second answer was that your fund was used for purchasing. 
last answer was that we are under investigating and will notice to you ''. 
where is my fund? I need it right now. 

2. I received the mail from Robinhood about " Withdrawal restriction removed '' on XXXX Friday. so, I tried to transfer XXXX USD, current balance, to my bank several times, but it was failed. Why I can not withdraw even Robinhood said ok to me. 
I don't want to keep my money at Robinhood anymore because i feel very uncomfortable. 

3. Today, XXXX, I tried log in my account, but it was blocked without any notice from Robinhood . What's going on at Robinhood?

They block everything. I can not access my account and I can not know my current status for fraud report which I did. 

As I know, if there is fraud case, Good company refund to the customer at first and they start investigation. 

need fast reply. 

Thanks XXXX XXXX ( XXXX )
Consumer complaint received 2022-08-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2017-08-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

I wish to submit a written complaint against Midland Mortgage for reporting errors of late payments for the months of XXXX XXXX, XXXX XXXX and XXXX XXXX. These errors are keeping me from getting a loan on a house in Florida and the loan for the home on XXXX, Texas will close and the loan paid off in full on XXXX/XXXX/XXXX. I have submitted written requests and verbally addressed the accurate reporting of loan payment activity to Midland Mortgage to correct payment activity. I have also followed up with the President of the company and have not received any corrections reported to the 3 lead credit bureau agencies. Midland Mortgage XXXX XXXX XXXX XXXX, OK XXXX XXXX It is my understanding under the fair debt collection act enforced by the FTC, that I have the right to have payments that I have made applied to the particular debt that I indicate. As a debt collector Midland Mortgage is prohibited from unfair practices, under the Fair Credit Reporting Act, enforced by the FTC. I am entitled to have erroneous information on my credit report corrected. I have filed a complaint with the Department of Veterans Affairs and the XXXX  Department of Housing and Community Affairs for assistance. I did my due diligence and submitted requests in writing to have payments applied to the months that I specified. As a XXXX Veteran, I was discriminated against and denied my right, by a Midland Mortgage representative, which he declined my request to revise accurate credit reporting. The loan information has been requested to reflect as follows, account number is XXXX. XXXX XXXX payment onXX/XX/XXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment on XX/XX/XXXXXXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment onXX/XX/XXXX Your prompt assistance to address this filed complaint and credit reporting correction is requested.
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Payment method : Chase XXXX I sent this person {$2000.00} ( {$500.00} each time, 4 times, from XXXX ) by Chase XXXX XXXX purchase an used XXXX Bag on an APP called XXXX ( similar as XXXX ) XXXX But it turned out she gave me an tracking number, which I confirmed with XXXX, it was a package from XXXX, instead of personal package. And because this package was delivery to an different address instead of the one I provide to her, I received nothing. 

I told with this person, she insist the tracking number was correct and refuse to refund. 

I am very willing to provide all evidence.
Consumer complaint received 2020-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (UT)

On XX/XX/XXXX, I purchased an electric scooter from a XXXX XXXXbased company called XXXX XXXX XXXX  XXXX. The company advertised an electric scooter for {$89.00} and I paid for the item via my Paypal credit account. I received a confirmation of payment email on XX/XX/XXXX, on XX/XX/XXXX I received a confirmation of shipping email from the company. Sometime around the last week of XXXX, I attempted to email the company about the status of my item, but the contact information the company provided no longer worked and the website had been taken down. I then went to XXXX, which is where I originally found the advertisement for the scooter and found the XXXX XXXX XXXX page. The XXXX page was littered with complaints about people either not receiving the scooter, the company not responding or the company sending customers a women 's hair tie which they paid {$89.00} for instead of a scooter. I filed a dispute with Paypal after seeing this information on around XX/XX/XXXX, and on XX/XX/XXXX I got an email from the company saying my order was canceled. During the dispute process, the company sent Paypal a tracking number for my item XXXX XXXX XXXX XXXX XXXX XXXX and when it arrived at my home it was a women 's hair tie. I immediately let Paypal know this was the item I received and reported all of the fraudulent activity this company that I had seen on XXXX. I also sent Paypal a picture of the tracking number on the envelope and the picture of the women 's hair tie. Paypal is still not trying to resolve this issue and give me a full refund of my money. I am very disappointed because Paypal is advertised as a safe place to use when making online purchases. I have done everything in my power to show them they have a fraud/scam using their payment system and duping their customers, yet I still have to fight to get my money back and they keep giving this company the benefit of the doubt. My Paypal dispute number is XXXX, and the expected resolution date of my issue is XX/XX/XXXX, which is almost 2 months after I reported the fraudulent activity.
Consumer complaint received 2017-08-22
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. (LA)

I had a vehicle financed through XXXX in XX/XX/XXXX. XXXX charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid XXXX {$5200.00} in the total loss settlement and XXXX released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet XXXX is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.
Consumer complaint received 2017-08-22
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: Credit Plus Inc (FL)

On XX/XX/17 I received a message from a credit monitoring services that my credit as well as my husband 's credit had been pulled by Credit Plus. I called the company right away and they stated that XXXX XXXX XXXX had used their platform to pull our credit. However, my husband or myself had never given authorization ( verbal or written ) to have our credit pulled. We disputed the inquiry with credit plus ( file number XXXX ) and they stated that it can take 30 days to have the inquiry removed, since XXXX XXXX XXXX has 20 days to respond. We are in the process of waiting for our credit to improve, since we paid off a lot of accounts, and it is still not showing in our credit. It was very important to us since we are going to be applying for a home loan soon and this inquiry can hurt our score and stay for 2 years. It is not fair that consumers go through this. The regulations must be changed and credit companies must request a written signed document before they allow any company to pull credit reports.
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TCF NATIONAL BANK (IL)

I opened an TCF fee free checking account over the phone on XX/XX/XXXX. I gave the representative the promo code XXXX and was told it would be deposited to my account after I met the necessary requirements. According to the terms and conditions it stated we will deposit {$250.00} into your account next business day following criteria verification. I still have not received the bonus after meeting the criteria of using my debit card for a {$250.00} purchase.
Consumer complaint received 2017-08-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting Agencies ( CRA ) XXXX, XXXX, and Equifax. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been sending request that the ( CRA ) provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The ( CRA ) always state that they never received my supportive police reports or complaints.
Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section
Consumer complaint received 2017-08-22
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: EQUIFAX, INC. (NY)

XXXX credit reporting agency deleted XXXX XXXX XXXX and XXXX account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am opening this issue with the CFPB to ask for assistance in having a bankruptcy removed from my credit report. Please see the attached copy of my bankruptcy filing of Chapter XXXX dated XX/XX/XXXX. The bankruptcy has since been discharged and the 7 year limit on reporting has expired as of XX/XX/XXXX as evidenced by this letter, however it continues to be listed on my credit report. I have requested removal without success so I am asking for assistance from the CFPB. Please see the attached as evidence that this bankruptcy should have been removed nearly a year ago.
Consumer complaint received 2018-06-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I sent the following email to my loan servicer Navient. I just found out about alleged money old, so I don't have all documentation yet. The problem that I'm having is that I typically did all my correspondence online, payments, etc. I have no hard copy documentation of corresepondence, only what the navient website itself is reporting. The email reads as follows ( date sent XX/XX/XXXX ) : While inquiring on a loan from XXXX XXXX I discovered that there is an alleged unpaid loan serviced through navient that has been sitting there collecting interests for years. The loan is from XXXX. I had originally enrolled in an automatic payment program that drafted my account every month for this loan. I thought that the loan was paid off. I haven't received a bill or letter or any compliance from the Navient company since XXXX. I spoke to a Navient representative on the phone after my recent discovery of this unpaid loan. She stated that the loan was automatically put into deferment. I informed her that I never requested a deferment nor was I informed of any deferment on this loan. I started XXXX XXXX in XXXX and she stated that the loan must've automatically went into deferment. This information was never provided nor sent to me in any type a letter, email, bird, nothing. I used my credentials to log into this account ( after speaking to the service representative 2 weeks ago ). Low and behold, I find false documentation of alleged correspondence that was said to be mailed to my home -- dating back to XX/XX/XXXX. These documents were NEVER mailed nor emailed to me as falsely documented online. I need to speak with a supervisor or manager on this matter. I do not feel I should be held responsible for a loan that was secretly put into deferment for years to collect interest unbeknownst to me. I feel this was a ploy to gain interest and money and the expense of hard working students. The loan is now at a balance that is more than the original amount borrowed. Someone needs to contact me asap!. I can be reached by phone at ( XXXX ) XXXX or email at XXXX. Also, please send paper copy account audit info to my address below. 

XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC (GA)

I signed a purchase agreement for the property at XXXX XXXX XXXX XXXX XXXX with mortgage equity prime. I sent in a plathera of documents and signed many documents to become the owner of this property. The seller and I agreed that I would put up {$1500.00} in earnest money. We negotiated a contingency giving me 21 days to back out and terminate the deal. Enough time for me to get my contractor to inspect the property and get the bid etc. However I would get the earnest money back if I discovered any unforeseen problems with the property. Because this was going to be a rehab property, the lender required me to get a home consultant to manage the renovations. They offered me a list of consultants to pick from. I paid the home consultant {$400.00} up front for his services and was told I would be reimbursed at closing. After several months finally we set a closing date in late XX/XX/XXXX. The day Im supposed to close at XXXX, I get a call from a person that works with mortgage equity prime. Saying there was a compliance issue and between the processor and underwriter they didnt properly put the 15 % reserve in the official closing documents. I was told the company will take {$12000.00} hit if they insisted to close the loan. I was told everything was completed perfectly on my part, however they just made a very bad error. Also the people In place working on my file were merging over to a company called XXXX. I was advised strongly from someone in the company to switch over To the new company or else my loan would definitely not close. I was out another {$1500.00}.