davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (IL)

I filed a CFPB complaint about a previous improper repossession by Ally on XXXX XXXX. On XX/XX/XXXX, the bank closed my account and sold my loan to another creditor. I was not aware of this until XX/XX/XXXX, when I checked my loan account. The bank accepted my payment, however, has made certain functions on my account unavailable. I called the bank to inquire about this, and they said my car was repossed, I asked what were the options of restoring my account back to normal, and the agent said I needed to pay the entire amount. The agent from the bank, who was supposed to contact me, regarding my first complaint, has not returned any of my calls, and the agents pretend they cant hear me when I call the main line. I believe they are trying to repossess my vehicle unlawfully yet again, in response to my first claim.
Consumer complaint received 2022-07-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A. (GA)

This is not the same complaint!!!!! PNC treats me like a unwanted consumer..I deposited a check from another account and had a colleague do the same ( his account however is always in the negative ) ..My check was placed on hold for 15 days, his was deposit in two days..I am more than sure this a prejudice issue against me as a woman and or my XXXX.. I stopped payment and closed the other account and made PNC aware more than 4 days before they processed the check, it was stopped and taken off my account, however now my account is in the negative because they have waited 5 days later and started adding fees to my account.. I reached out to that person XXXX and nothing was done.. I have been lied to repeatedly, am feeling a lack of concern for a delicate situation, and fees added upon all of this and have received no apology or no concern..The only reason I continue to keep this account is because of a family member who is no longer alive and things I have set up for the next two months, which cant be reversed..I have emailed the ceo and other executives and just like XXXX they dont care!!
Consumer complaint received 2022-08-15
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the XXXX  you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

On XX/XX/XXXX, i was informed by my mortgage servicing company, Loancare LLC, that they needed proof of my homeowners insurance or they would purchase a policy for {$4300.00}. This is how I found out that my policy hade been canceled on XX/XX/XXXX by my insurance carrier. I immediately obtained a new policy that started on XX/XX/XXXX and it is currently in place and they have the proof required. However, they are now going to charge me {$4300.00} for that lapsed time period. The policy lapsed XX/XX/XXXX. 
I did not receive notice of the lapse from my insurance carrier, my agent or the mortgage company. 
Per legal statute : The servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. The servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ). 
They just sent a notice on XX/XX/XXXX. They did not send any notice during XXXX timeframe. I did not receive a notice of cancellation from the insurance company as the policy had the wrong address. I am not even sure why it was cancelled as the premium was paid.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (NJ)

I opened an account with a referral link for a {$500.00} bonus when the terms and conditions were met on XX/XX/22. The terms and conditions stated that I had to make a direct deposit of {$200.00} or more every 30 days for 90 days, and make {$200.00} in debit card transactions in the same period. I completed all of the requirements for each of the three 30 day periods. 

On XX/XX/22 which is after the 90 day period, I messaged their customer service to confirm that the requirements had been met and that the bonus would be issued. They would only send me a generic response stating that I might not have qualified for the bonus for various reasons, and would not respond to further requests for clarification.
Consumer complaint received 2022-07-20
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. (CA)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Exodus Movement, Inc. ()

On XX/XX/2022, I fell victim to multi-layered scam operations run by XXXX XXXX XXXXXXXX which involved me making deposits for a total amount of XXXX XXXX  from my Exodus account to fraudulent investment firm ( s ).
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (VA)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (MO)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXX XXXX Balance : {$7600.00}
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (VA)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX  XXXX XXXX Balance : {$38.00} ; XXXX XXXX XXXX Balance : {$690.00}
Consumer complaint received 2021-09-23
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. (CO)

I closed my Chase Sapphire Preferred card out on XX/XX/XXXX. When closing the card I was not informed that their policy states that points on the account must be used within 30 days. I went to book travel with my wife last week and discovered that my points balance was at XXXX. I had a total of XXXX points accumulated. This is completely unacceptable and in my opinion, is theft. 

I called to resolve this matter on XX/XX/XXXX and they told me that they were escalating the issue their marketing department. Followed back up today, XX/XX/XXXX. and they informed me that my points were gone forever and they had no responsibility to tell me that they expired in 30 days. I even offered to have them transfer my points to my wife 's account that is still open. Again, they deflected and said that wasn't an option. How easy would a points transfer be? I have been a customer of Chase for 10 years and this is how they treat their loyal customers. Please assist me with getting my points back.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NV)

In XXXX, I brought a copy of a check for XXXX XXXX cookies that had cleared the bank for {$550.00}. This check had been altered to make it payable to someone who had died months before, and the original amount was changed from {$50.00} to {$550.00}. 

As of today, the funds have not been returned to my account. 

Ive followed up with my bank about reversing the fraudulent check & was told the there is no time frame for resolution because the bank of first deposit is the liable party for the reimbursement, and they have an unlimited amount of time to respond to the request.
Consumer complaint received 2022-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I have tried to get into my XXXX several to access my account, and the email address is completely different than I have. I have tried to get into the email address, and that is not a email address or phone # i have ever had before. 
I have talked to an agent at least XXXX different times over the past 3 days. 
I was told yesterday, and today that I have started a new credit account!? ( how is that possible? ) I was not on part of the credit breach, but someone decided to use my identity for the Ohio XXXX last year. 
I hope you understand why I am XXXX out! 
Please help me.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NV)

The same dispute as before continues unresolved, with new features. 

The bank known as M & T agreed to accept a complementary payment to take the {$510.00}, which they are holding and refusing to return to me, and add it to an amount given to me by XXXX and arranged to be applied. This check was refused and no payment was credited. 
As though it were a new idea, M & T bank sent me a letter saying to pay a DIFFERENT amount and it would be added to the {$510.00} and accepted as full payment. I sent this amount in ( {$140.00} ). They cashed the check and never made the payment. Never acknowledged receiving it and the money has gone into oblivion. Then they started harassing me by phone and applying late charges. 

I want this nonsense and incompetent and illegal banking procedure to stop at once and have all of my money returned to me.
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

My PayPal wallet is permanently XXXX. According to the PayPal balance, after the wallet funds are kept for 180  days, there will be an email notification for withdrawal. In XXXX, I received a withdrawal email notification from PayPal. Now I still can not withdraw. Please help me, this is my hard-earned money.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (TN)

I've had 6 checking/debit accounts and 2 XXXX XXXX accounts opened in my name to include 3 debit cards sent to my home over the last few months. 

Called banks and reported as fraud : XXXX XXXX Savings opened mid XX/XX/2022 closed XX/XX/2022 -XXXX  XXXX Checking opened mid XX/XX/2022 closed XX/XX/2022 -XXXX  XXXX Checking opened in late XXXX or early XX/XX/2022 closed late XXXX XXXX Debit opened not sure when opened but closed XX/XX/2022 -Discover Card Debit account not sure when opened closed closed XX/XX/2022 -Discover Card Debit account not sure when this one was opened either, closed XX/XX/2022 -XXXX XXXX XXXXXXXX Debit account opened late XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  accounts opened this year both closed XX/XX/2022
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

My PayPal account has been permanently XXXX. According to XXXX rules, the funds in the account need to be retained for 180 days and then the withdrawal will be notified by email. I received the withdrawal email, but I still can not withdraw. I contacted XXXX customer service many times, but the problem has not been resolved.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ROBINHOOD MARKETS INC. (PA)

Hello Robin Hood financial is well aware that XXXX XXXX has experience in data breach which put my financial information at risk and because of this I believe I had almost tens of thousands of dollars stolen from me. This has not been verified from XXXX XXXX Robin Hood. They do know exactly why Im calling and have been reaching out and no one wants to speak up to verify this information.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

i got scammed XX/XX/XXXX XXXX i sent money through Chase bank, couple hour later I realized it was scam, i went back to bank and asked to stop. i was told Chase bank put restrictions on the account and money is sitting on Chase bank. I filed a claim but they keep saying denied my claim even though i provided them all evidence like police report, fbi file report, and conversation between scammer and me.
Consumer complaint received 2022-07-19
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. (TX)

JP Morgan Chase, account XXXX ( see attached ), is reflecting a balance of {$150.00} in the Account Info section on my XXXX credit report as of XXXX XX/XX/XXXX when the account was paid in full in XX/XX/XXXX which is also reflected in the Balance section as {$0.00} on my XXXX credit report. 

I respectfully request proof of this {$150.00} balance and an explanation why I have not received a bill in the mail if indeed I still owe a balance of {$150.00}. I believe this balance was tacked on to my credit report in retaliation for disputing something completely different : 30 days late in XX/XX/XXXX. Please also send proof that I was late in XX/XX/XXXX.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MD)

I continued to run into delay and snare statics to remove inaccurate and false information on my credit report from the CRA and furnishers such as personal address despite provide prove 15 U.S. Code 1681s2 A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.