davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/21 I noticed a pending transaction on my Chase banking account for a wire transaction of {$2600.00} through XXXX. I never once received a fraud alert on this said transaction. I called Chase immediately and reported the fraudulent transaction. On XX/XX/21 I received a message from Chase saying that the transaction was processed and no funds would be restored to my account. I called Chase and asked what this was about. To which they said that they were not able to recover the money from the transaction and that I would have to contact XXXX directly to dispute the charge with them to try and get my money back. Which signifies that Chase recognizes that this was a fraudulent transaction on my account, but refuses to do anything about it. So Chase who boasts about their fraudulent alerts on their website, not only did they not catch this largely suspicious transaction, but now I have to do their work for them and hope that I get my {$2600.00} back.
Consumer complaint received 2019-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (NC)

This debt was put into judgement in XXXX XXXX, NY  in XX/XX/2013. I told several people who called from this company but that has not stopped the repeated calls. This week I have received 23 calls from this company, personally, I find that excessive to say the least. Most of the employees are incredibly rude and threatening, all have had same line of I was going to be served by the sheriffs dept. and possibly arrested. This debt was not mine as I was a victim of identity theft. I filed all necessary paperwork after the fact, I didn't even know about the judgement until I went to apply for a car loan.
Consumer complaint received 2022-10-31
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: BARCLAYS BANK DELAWARE (NY)

I signed up for, and received, a XXXXXXXX XXXX XXXX card from Barclays in XX/XX/2022. The terms of the card agreement indicated that I would receive XXXX bonus points after charging the specified amount to my card. The Barclays Visa website indicated, correctly, that I had earned the XXXX bonus points as of XX/XX/2022. The website indicated, on XX/XX/2022, that XXXX points were transferred to my XXXX XXXX XXXX XXXX XXXX XXXX  account. The extra XXXX points were earned on purchases that I had made ( in addition to the bonus points ). 
None of the points, however, were ever transferred. I contacted XXXX XXXX a number of time about this, and they repeatedly confirmed that they had never received a transfer of points from Barclays Visa. 
I have contacted Barclays about this several times, as well. Their records confirm that I am entitled to the XXXX points. They have repeatedly told me that they would correct the problem, and transfer the points to my XXXX XXXX  account ; but they have not yet done so. In the most recent calls : they told me on XX/XX/XXXX that the problem would be corrected in 7 to 10 business days ; on XX/XX/XXXX they told me the points would be transferred in a month ; today, on XX/XX/XXXX, they told me the points would be transferred in 72 hours. 
Please have Barclays Visa transfer the XXXX points to my XXXX XXXX account. 
Thank you.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I 'm kindly requesting that someone please investigate Experian. This is my second letter to them and I 'm getting no results. There has been a bank error and I have attached proof to show. Furthermore, I do not believe that XXXX using their XXXX system conducted a proper investigation. 

Please see attached documents relating to the complaint
Consumer complaint received 2021-11-12
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. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-11-12
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

Citibank XXXX XXXX Department is using unreasonable and unfair practices to " verify '' my checking account to the extent that it is impossible to verify myself to remove whatever alerts that they claim that I keep occurring on said checking account. 

I currently have my up-to-date contact information ( email, phone number, and home address ) on file with Citibank, yet, the Fruad Department keeps insisting that they need to send me a code to a phone number that I do not have access to any longer, and all because it's allegedly on my " public records '' But, what difference does it make if I have a XXXX alledged " phone numbers '' on my " public records '' if none of them are my current phone number that I actually have access to? 

This is unreasonable and unfair business practices because on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, I spoke with 8 different rude employees on the phone regarding this matter, and three of them disconnected the call while I was still talking with them. And all eight of them continued to talk over me. 

Before this last time of having to " verify myself '' they were able to send me text messages to the phone number on my account. 

I went into the Citibank branch to speak to an employee on XX/XX/2022, and she was dismissive and refused to help me resolve and verify my account as well. I need my account verified within logical and reasonable reasoning.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank was owned by XXXX XXXX my trust # XXXX XXXX XXXX XXXX XXXX XXXX bin number XXXX account information XXXX and XXXX keep stealing from account when ask they say closed it I have to find third party bank I did that XXXX XXXX account XXXX money stolen from accounts Chase said they sent to XXXX savings account ordered check 's from checks for less they said that's who stole account order number XXXX please can't even buy food for my kids stolen accounts and trust from XXXX payment system bill pay please I fired them please tell them to release my accounts victim of domestic abuse XXXX payment system XXXX accounts please help can't feed kids
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (IL)

My citi card raised my interest rate on my previous purchases without notification. When I called they first told me the prime rate increased and thats why my interest was different. I ask for a supervisor and was told no supervisor would speak to me because I wasnt the primary cardholder then I pointed out I was authorized to speak on this account otherwise they wouldnt be speaking to me. The supervisor got on the line told me I didnt know how to read the bill then became frustrated and hung up. They can not raise the interest rates on past purchases without notifying me in advance. I was not notified.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AZ)

Elan financial insists on reporting my wife and my account with them grossly incorrectly on all six of our credit reports. This has been going on for over a year now.I have sent them proof that they are reporting it incorrectly, but they will not change it.This is a credit card through Deer Valley Credit Union, but they have it serviced through Elan Financial ( which is an outside company ) .The credit union and I have called them several times and sent them documents proving they are reporting it incorrectly, but they ignore all disputes we send them. The credit union has had several problems with them to the point that they are considering handling their credit cards themselves and getting rid of Elan altogether.I am trying to get my house refinanced but it can not be done because of this one account.I lost {$100000.00} on a down payment on an RV because I can not get a loan for the RV because of this one account.Most mortgage companies are aware of Elan 's very bad reputation and suggested that I contact you in this matter.This company has put me in a very bad financial situation to the point that I will have very little money for XXXX. I have had to pay for legal help ( which I can not afford ) to solve this problem. If I could get my home refinanced, I was getting cash back to pay for medical bills do to XXXX XXXX.
Consumer complaint received 2021-11-12
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: PNC Bank N.A. (IL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC (AZ)

This was an old account that was removed from my credit due the medical act appointmented by the President / Government. 
The Medical ACT. 


Phoenix Financial SE Original creditor : XXXX XXXX XXXX  Opened : XX/XX/2022. 

Balance : {$1800.00}
Consumer complaint received 2022-04-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. ()

This is a complaint about an active loan with Navient. This loan was taken out in XXXX in the amount of {$25000.00} to attend XXXX, a now closed school that has defrauded students. Since their closure the students of XXXX XXXX, the department of education has created two programs to assist students affected, and any direct loans qualify for forgiveness. This is a private loan, so it has not been forgiven, even though the educational promise was proven fraud and was not fulfilled. The loan was serviced by Navient which then openly coerced the borrower into a repayment plan that never paid down any of the principal balance. The payments were resulting in an increase of the balance, bumping the amount owed to {$30000.00} by XXXX. This loan has been in 16 years of repayment with Navient and the amount currently owed is {$15000.00}. This should have been a standard student loan with fair repayment options. This loan should qualify for a forgiveness program. The deceitful practices of lending and unfair repayment options have destroyed the borrowers credit, and have kept them relating a student loan for decades that they never received the educational benefit of. The borrower has effectively paid tens of thousands of dollars over 16 years for nothing but the profit and benefit of Navient.
Consumer complaint received 2021-11-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off : XXXX XXXX XXXX-Balance {$0.00} Collection : XXXX-Balance {$8300.00}
Consumer complaint received 2022-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (SC)

On XX/XX/2022, I received a collection notice from Credit collection services XXXX XXXX XXXX, XXXX, MA XXXX. I do not know how this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which cam through the mail. I believe this company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. 
I request the itemization date pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( vi ). I request the debt amount as of itemization date. I request the itemization of the current so called debt amount, and the current debt amount. If this request is not fulfilled within the allotted time, then this is fraudulent and I demand to be compensated.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Over the years my purse and my belongings were stolen with my social security card and my ID and information was in my purse at the time so I 'll things ran up in my name whoever stole my information I have reports from the police in the past a lot of things is not my fault should be in my name as front of my credit up
Consumer complaint received 2022-02-19
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. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-11-12
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: ALLY FINANCIAL INC. (FL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NC)

Ive sent out a debt validation to Caine and Weiner company on XX/XX/XXXX/17 they could not validate this debt for {$120.00} because it wasnt mine so therefore they removed it. XXXX removed it off my credit report but XXXX did not! The debt is not mine and I would like it removed from my credit report as soon as possible
Consumer complaint received 2019-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

The company I am filing a complaint against is PayPal , Inc . 

Around the end of XX/XX/2019, I made a change of my personal bank accounts from one banking institution to a new, different banking institution. When this change took place, I logged into my PayPal account and made the updates accordingly. 
I made my NEW account my preferred account for paying for transactions and attempted to remove the old account I no longer wished to use. I was unable to remove it from my account page, so I placed a call and spoke to a PayPal representative. They informed me at that time that the old account could not be removed for 60 days, since a transaction had recently been applied to that OLD account. I understood and thought that was a fair process at the time. 

I asked the PayPal rep at that time if my new account was indeed the preferred account going forward and that the old account would not be used for any further transactions. The rep assured me that the NEW account would be the main account and used moving forward. 

Since that time, PayPal has continued to place charges against the OLD account repeatedly. I have placed several phone calls to have this corrected and for over two months now, I have not received any sort of resolution whatsoever from PayPal. They have caused me to incur several hundred dollars in fees from my OLD banking institution. In continually placing charges against the OLD account, I am not able to close that account with my institution which has caused me great frustration. 

Furthermore, PayPal has been removed as a method of payment from ALL previous merchants. Yet, they are still trying to place charges against my old account. This most recently happened today ( XX/XX/2019 ) with a XXXX XXXX  product. I spoke with XXXX this morning and they were surprised that PayPal attempted a charge for this product, for two reasons : They are not listed at all on my XXXX XXXX  account as a method of payment ( They confirmed my VISA # on file that is set to be charged ) and secondly the charge should not have been applied until after XXXX XXXX this evening. 

I believe these practices by PayPal are fraudulent and deceptive.
Consumer complaint received 2017-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The company by the name of DEPT OF EDUCATION/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XXXX and open since XXXX there 21 accounts they are reporting to my credit.
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MI)

My name is XXXX XXXX, phone number : XXXX, XXXXXXXXXXXX. 
Address : XXXX XXXX XXXX XXXX XXXX Michigan, XXXX. 
My complaint : Current mortgage is with Chase Bank : 5.73 % monthly cost : XXXX, Balance : XXXX I tried refinancing my mortgage with XXXX Mortgage : Problem unfairly calculation with high than normal closing cost. 
Chase XXXX to XXXX hard check on credit to reduce credit rating to offer a higher mortgage rate. 
I am very disappointed with the process which should be quite simple since I currently paying my mortgage with a higher cost and interest rate : So what is the problem?
Consumer complaint received 2022-11-10
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. (PA)

I recently became interested in building my credit but when I received my credit I realized that someone has been using my information for several years to set up multiple fraudulent accounts which includes XXXX XXXX XXXX  XXXX XXXX, XXXX also there are several hard inquiries on my report that I have no knowledge of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

I've been a customer with Wells Fargo since XXXX. They have great customer service and lots of locations, however, there overdraft fees are awful. For instance, since XXXX of XXXX I've been garnering over {$100.00} in overdraft fees monthly. When I pay my bills from the debit card linked to my account, the funds are available. I spend no money in between, but still seem to end up with overdraft fees monthly. 

I'm attempting to fix my credit and get my savings to together to buy my first home. Every time I think I will get my full paycheck and have a budget, here comes Wells Fargo overdraft fees. 

I would like to file a formal complaint.