davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

To Whom it may concern, I have a checking and saving account in Chase Bank. I received a check for a rental payment from my tenant with the amount of {$8400.00}, post date XX/XX/XXXX and I deposited the check on XX/XX/XXXX. The fund went through successful after a few days. However, a few months after, on XX/XX/XXXX, I received an email notification from Chase which state that my account was overdraft and the check was return due to reason of " the payer bank suspects that the check is a forgery. '' I contacted Chase regarding to the issue and they did not give me any explanation of the reason why it take a few months to find out that it is a forged check. Instead, the fund went through to my account and was deducted without any advise a few months after. While I visited the branch and called the support number at the back of the debit card, both of the banker on site and the customer support on phone does not have any idea of why it takes so much time to verify and both of my checking and saving account were closed immediately as a non-reversible decision. 

I am the victim who lost the amount of the given check, at the same time, the Chase bank suspended my bank account for no reason and will no help to investigate. I have filed a local police report at XXXX Police Department, case # XXXX. However, the police states that they do not have enough evidence as they do not have the actual check on hand and either the Chase bank or the check issued bank which is XXXX XXXX  should provide me more information of the reason why and how they have proof the check is a forgery.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

I purchased concert tickets on XXXX XXXX for a concert in XXXX, PA. The concert tickets were oversold and I was never able to attend the concert. I have a ticket with a XXXX code that can show proof that I never entered the concert. I have contacted PNC Bank multiple times about disputing the charge and they have done nothing to help me in the process. XXXX XXXX is who the tickets were purchased through and I believe it was fraud.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

I am a part of a Class Action Lawsuit with Ally Financial which was settled on XX/XX/XXXX, XXXX 
part of the settlement is that Ally will request the the three nationwide consumer reporting companies delete trade-line information on every persons credit report related to our account with Ally which is the subject of the case. 

I am holding a letter of the law suit and spoke to someone last week regarding the credit bureaus removing the bad credit, she stated I can give you the phone number and website where you can obtain all of the information you need to get this resolved. 

www.allynoticeclass.com XXXX Please remove all bad credit from XXXX, XXXX, and XXXX that pertains to Ally Financial.
Consumer complaint received 2022-10-03
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: SYNCHRONY FINANCIAL (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (NC)

An account with Mariner Finance shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to Mariner with no response.
Consumer complaint received 2017-07-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

I had several student loans with FedLoan Servicing that went into default. I entered and completed a rehabilitation to get them out of default. Once they were out of default, I applied for a consolidation. Now all of my student loans are consolidated under XXXX XXXX as the servicer. My new consolidated loan is accurately reported on my credit reports. However, FedLoan Servicing has not updated my information for the old loans. They still appear as if they are open and delinquent and as if I still owe a balance to them. I have tried to get this fixed. I have emailed them all of the information and have still received no response. I reached out to XXXX XXXX and they told me I had to deal with FedLoan to fix it. This is keeping me from getting approved for a mortgage loan and it is tanking my credit score. The mortgage loan officer told me the loans are showing as if they are currently in collections. Please fix this immediately. Thank you.
Consumer complaint received 2022-10-03
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. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-21
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. (NJ)

In XXXX I opened an account with XXXX XXXX in XXXX the account was closed. Its now XXXX and Ive tried to have the account removed from Equifax they stated they cant remove the account even though its well over 7 years. I called XXXX XXXX and they cant even find me because the account is so old. This information only exist on Equifax and not the other credit reporting companys. I want it removed from my account its well over the statue of 7 years and they refuse to remove it. I disputed it a few times. XXXX XXXX said they cant even write a letter to Equifax because my account doesnt exist anymore. Same with the XXXX on my credit report with Equifax. Account doesnt exist anymore since XXXX.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

Several unauthorized inquiries are being reported on my Credit Reports from XXXX XXXX. I have been had written communication with them regarding this violation and nothing is done except to continue to request more of my personal information. This is unacceptable to me has the company has my information and has run my report to my knowledge onXX/XX/XXXX and on XX/XX/XXXX. I also received correspondence stated they attempted and inquiry on XX/XX/XXXX. This was done once I already placed a security freeze. I want these items removed from all reporting agencies.
Consumer complaint received 2017-07-21
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. (FL)

Hello, I had an item that was deleted from my report reappear again. The account is XXXX/XXXX XXXX XXXX XXXX. Please remove this account from my report immediately. I have an earlier report showing it was not on my report and a new report showing that it is there. Thank You!
Consumer complaint received 2017-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX I sent a letter to the cash store relinquishing their rights for automatic payments. On XX/XX/XXXX they withdrew funds from my account causing my chase account to overdraft. Chase credited my account and said they filed a claim. Then 2 days later they took the payment out of my account again and assessed me 3 overdraft fees. When I called, a claim had never been filed and they asked that I fax in the documents and they would recredit my account. When I did that, I continue to call and they say they have n't received the documents and my account still has the charge on it. They refuse to credit my money back until the documents have been received. According to the eft act I have total rights to relinquish their right to auto withdraw funds, the notice was given over 3 days before verbally and through a written and signed document but chase still refuses to credit my account and is giving me a run around.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (OH)

Credit report data is incorrect reflecting delinquent status and 60 days past due. This is impacting my credit score and ability to obtain a loan. Me. Cooper held my mortgage for 6 months in 2020, XXXX thru XXXX. Payments were due on the first of each month beginning XX/XX/XXXX and payment data from their website coincides with the dates recorded on my bank account. Payments recorded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and payoff recorded XXXX XXXX Credit reports show 2 months 30 days past due and current status of 60 days late. Statuss should reflect paid in full and no late payments. I have had to pay higher interest rates on my current mortgage and is impacting my ability to secure a loan at this time.
Consumer complaint received 2017-07-21
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: LEXISNEXIS (CA)

We were contacted by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX about unusual activity on " my '' accounts - I never created any accounts. We are now in the process of attempting to work through identity theft. In so doing, upon asking for our credit reports, we found many we NEVER requested or approved : LexisNexis XXXX XXXX XXXX Trying to contact such entities is 'difficult '. In the latter part of XX/XX/XXXX Credit cards were secured by whoever stole my identity and a balance transfer was in process for {$6200.00}. Thankfully, the security person at XXXX XXXX felt something was wrong and contacted me through my wife 's cell phone number. On XX/XX/XXXX a home loan mortgage was applied for, we do not know where. We found this out by a solicitor mailing us an offer of a loan, beginning with something like " you applied for a home mortgage on XX/XX/XXXX ... '' We do not know how to find out where this application was made. XXXX ( XXXX XXXX XXXX, XXXX ) is the solicitor, we are in the process of formally contacting them in an attempt to find out how they know about the mortgage application and who the application is with.
Consumer complaint received 2022-10-03
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)

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. XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account number 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 a 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 2017-07-21
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. (NY)

XXXX reported debts on my account a few years ago. I requested validation because I knew nothing about this - XXXX failed to validate with me after I sent them a registered letter. I sent this information to all three  credit bureaus ( equifax, XXXX, XXXX ) - the credit agencies removed the XXXX listings. Fast forward four or so years. THE SAME listings pop up once again. once again I sent a request to XXXX about these, what are they please validate. They again fail to do so. I sent this information over the the three credit agencies. XXXX deletes the listings. XXXX deletes all but one of the XXXX listings. equifax deletes NONE of the listings. This is the second time they have done this, is n't it illegal to do this again after they failed to provide validation the first time? I have the receipts from the original letter to XXXX that they received. I send copies to the credit reporting agencies of both the letter I sent to XXXX, the tracking number and the actual USPS form showing it was received and it had been over 30 days since they received it.
Consumer complaint received 2017-07-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IL)

I applied for Public Service Student Loan Forgiveness as I am a social worker for a non profit company ( in rural XXXX so I am nothing short of impoverished ). I received a letter back that stated " Our records indicate that the loans identified below are expected to be paid in full prior to your estimated eligibility date for forgiveness and therefore the expected loan balance eligible for forgiveness will be {$0.00}. '' I currently owe over {$12000.00} and have been making nothing but interest payments for the past few years which is not helping lower my balance whatsoever. I am currently on an income based repayment plan. I make my payments on time every time. I just applied and received this letter in XXXX of 2017. Just curious how they can already assume it will be paid off by the time my eligibility for forgiveness comes along. I feel discouraged and ca n't see the benefit of remaining a social worker with barely a livable wage and loans sitting on my chest. Thanks.
Consumer complaint received 2023-04-18
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)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00}
Consumer complaint received 2020-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

XXXX XXXX at XXXX XXXX is claiming owe them {$2900.00}. I have no knowledge of this debt nor do I owe the amount claimed to be owed. Please provide full accounting and proof of lease/contract bearing my signature.
Consumer complaint received 2020-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (SD)

Made a purchase with a vendor on XX/XX/2020. Cancelled my order XX/XX/2020. The vendor issued a refund XX/XX/2020. PayPal has yet to refund my money. I'm unable to contact PayPal by phone. Contacted PayPal by email. PayPal states that could take nine days for a refund. Their own website indicates 3 to 5 days. Financial institution I use states it is instantaneous. The vendor States These  funds should be refunded the same day. PayPal gives me the runaround and holds my money, {$1400.00} approximately.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

I am trying to close an old account. As I don't have an active phone number on file ( was not required when I set up the account ), Citi Bank have advised only that I must visit a branch to provide ID ( as part of their understandable Fraud Verification process ). 

I have explained that I am unable to visit a branch and am willing to provide any other verification methods ( as I have done before with their Customer Service team ). 

When I tried to explain that I could not visit and do not have a phone registered with them, the agent said " I've already explained that you must come in ''. 

When I asked if there was an escalations process or a regulator, they said there was none. They then hung up the call.
Consumer complaint received 2021-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Blockchain.com, Inc. (TX)

I purchased XXXX from Blockchain.com using my debit card. 
After the purchase, I tried to move my coins purchased to my personal secured wallet for storage. 
When contacted customer service by chat to see why is it not letting me withdraw my coins, they sent link to a seperate support article which is not present anywhere in the website saying once the purchase is made, you cant withdraw your coins outside our exchange for 3 days. This is completly wrong business practice and not disclosed anywhere within the blockchain.com. i hope CFPB takes appropriate action and close its operation in the USA.
Consumer complaint received 2017-07-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Coinbase is holding all my virtual balance due to a problem in their database for more than 72 hours. The support service does not answer any email or direct message via XXXX. I think this service could be a scam. I 'm triying to contact support since the incident occured, but no answer : XXXX XXXX XXXX, 2017. They are holding XXXX XXXX. And I got an automatic case number : # XXXX They have a lot of users complainings in their community forums and Coinbase are ignoring us. XXXX XXXX XXXX
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (MS)

On XX/XX/XXXX-17 I received a letter dated XX/XX/XXXX-17 informing me Discover increased my credit line to XXXX. I Did Not request this. I also do not want this to affect my credit score. I contacted the company and after 25 minutes got no where. Please help they have very poor customer service. Why would they increase my limit without my consent. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

There is unknown Wells Fargo credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NV)

On XXXX XXXX, XXXX an amount of {$3400.00} was refunded from a purchase back to my Barclays XXXX MasterCard. I called on XX/XX/XXXX and spoke to a rep at Barclays XXXX MasterCard, they said a paper check would be issued in the amount of XXXX to me by mail. Two weeks later i called Barclays XXXX MasterCard, i let them know i had not received any checks, they said the mail had delays or i probably threw it away. They would send another check. On or around XX/XX/XXXX i received a check from Barclays XXXX MasterCard for {$2800.00} less the original amount i was promised to be refunded ( this is my money ), this check was returned by my bank with a {$12.00} fee to me. It is XX/XX/XXXX, Barclays XXXX MasterCard keeps wanting to send a check with a different amount, now they want to send {$2700.00}? 

What is going on, Barclays XXXX MasterCard is a bank. Do they have any fidicuary responsibilty to their customers?
Consumer complaint received 2017-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NM)

I have a coinbase account that I have been trying to log into for the past 2 months. Coinbase 's website does not work properly, and just a glance at their reddit page will show you the problems many are facing. I am trying to change my phone number from my old account to my new phone number, however their website does not let me complete the verification process. I have tried on many different computers, and on different platforms all with no result. I have sent multiple emails and even attempted calling them. The only feedback I got was someone on a reddit page claiming to work for the company, they asked me to submit an image of my issue, and then nothing else happened. They basically have zero customer service. I 'm worried about money I might have in that account that I can not access.