davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-24
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. (NY)

state of Maryland XXXX  claim I went to there school I was a XXXX XXXX and sent to XXXX. how can I go to school. they said XX/XX/17 acct XXXX ... ... I took a loan. this is a lie. if I don't pay. they said that there the state and they can get whatever they want. there is no way to remove a student loan if you owe it or not. I must pay it threatened me to say I'm responsible and they will continue to ruin my credit. they threatened to ruin me they don't care if I was in XXXX  they just want there money. please help me. I need my XXXX
Consumer complaint received 2020-07-02
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. (MI)

Hello, I received an offer for my Chase United credit card in which if i add an authorized user to my account i will get an XXXX bonus miles. 

I have done my part and added an authorized user but Chase is refusing to honor their commitment & not giving me the miles. 

I have tried multiple times to contact them but they wont listen. 

thanks, XXXX
Consumer complaint received 2020-08-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My husband and I applied for a refinance on a conventional home mortgage with Wells Fargo Bank in XX/XX/XXXX on a rental property. We have been approved of the refinance. Today marks 8 months since we started this refinancing process. We are financially stable, have multiple income streams, and have 800+ credit scores. We have been a customer of theirs for 20 years, have had a previous mortgage with them and have NEVER missed a payment. However, as of XX/XX/XXXX, Wells Fargo still has not been able to close on our loan due to inefficiencies, delays and egregious mistakes in their process. We have been asked to provide our pay stubs every other month, have lost contact with loan officers, and have been handed off to multiple processors at Wells Fargo. Anytime we have been asked for additional/repeated documentation, we have turned it in in less than 24 hours. We have been asked to provide XXXX and XXXX tax statements repeatedly, which they should have in the file to begin with. No one is able to give us clear answers why they were not able to get the loan closed. We have 9 months worth of email trails of them apologizing and admitting that the delays were solely their fault. Due to the delays, we have been paying $ 700+ more monthly on the old rate. We could've saved $ 5k+ had Wells Fargo done their jobs. We have not been offered any remediation as of today.
Consumer complaint received 2020-08-21
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. (TX)

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This vehicle was sold at auction and sold for more than the amount owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and therefore there is nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (VA)

Sallie Mae This account with Sallie Mae has a total of {$9500.00} was in open in 2008 and has been closed for some years, and now their is a new update and is showing that it has been transferred. It is a total of three account, and Sallie is no longer exist. I have sent multiple letters to credit bureau requesting to have these items removed. And it still on all three of my reports. I don't know what else to do
Consumer complaint received 2020-10-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am filing this complaint because XXXX, XXXX, and Equifax have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (KY)

During XXXX of XXXX {$65000.00} disappeared from my account. I talk to the representatives on several occasions, but they could not find out about the account. The representative that open my account was no longer there. I was a XXXX  and I had a donation that was given to my Church. 
However, my Mother passed away, and some how the individuals that she took care of in her home ( XXXX XXXX  ) was confused and considered as family members. After several times going to the bank, they stated that they had been threaten ; therefore it was necessary to go to the corporate office. Hence, I called the corporate office and told them about the incident, and that each time I go to the bank, I was being followed, with the bank representatives feeling the same. The corporate office stated that they would do an investigation, however, I have not heard or received my funds that were donated to my Church at the time. I have lost my Church and the money. 
Additionally, my funds were being diverted to someone else in the bank which is the same family that stole my funds. I would pay my electric bill with my stipend check while in graduate school, and each time my bill would not be paid and the money would disappear. The attorney general placed a watch group over my XXXX XXXX XXXX and they stated that each time that I would pay my electric bill, the payment would disappear. My bank account was with PNC ; therefore I suffered living with no electric and experiencing detriment to my health. 
I continued depositing my check, when I would receive my stipend, because I did not know what was going on. However, one of the bank tellers would not deposit my check, and I could not understand why ; and found that when I cashed my check ( I put the money on a card ) and paid my bills with cash, the money was not stolen. 

PNC Bank at XXXX XXXX XXXX, XXXX, KY XXXX
Consumer complaint received 2020-07-02
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)

For account XXXX  XXXX that is reporting on my credit report I have sent multiple letters to XXXX , Equifax , and XXXX to investigate the inaccurate reporting and they send me letters back stating that the account is reporting 100 % accurately and that it has been verified ... .how is this even possible when there are still multiple violations on the reporting of this account. for one they never even added a comment stating that this account is under dispute, as stated by the law ... .... 2nd look at the 2 year payment history all 3 bureaus are all over the place in the reporting and different. they are all reporting a different date of last active and date of last payment. the credit limits are reported different, the high credit are different, the comments are all different. How can they even pretend that they investigated this account when all of these violations are are still reporting they never investigated this account is the answer
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: TRANSWORLD SYSTEMS INC (TX)

You cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alleged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

XX/XX/20 I gave my credit card information over phone to a car salesman at XXXX XXXX as a {$200.00} hold for 24 hours to decide if I wanted to come look at a particular vehicle. 

XX/XX/20 In less than 24 hours I have decided that it was car I did not want to pursue looking at XXXX XXXX is over three hours from my home in which I deemed too far to travel I notified the salesman at the dealership of my intent in which he said my deposit/ hold would be put back to my account This entire transaction took place over the phone nothing was signed or received by me I have no contractual obligation XX/XX/20 I have attached the response from the Citi stating it was resolved XX/XX/20 The charge was back on my account The representative at Citi Credit Cards was not very helpful
Consumer complaint received 2022-08-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc (MN)

I Had a unauthorized payment taken from my checking account on XX/XX/XXXX from a checking account I have not used in months so I know it wasnt me. After contacting you on XX/XX/22 I was given the run around and told you had no power to access my money of XXXX XXXX I need this money immediately. I would also like to state that XXXX $ was unauthorized and taken from my checking account. XXXX XXXX dollar deposits were made from my new employer, and XXXX XXXX $ deposit was made yesterday. I was told again on XX/XX/22 that there was nothing they could do by affirm. On XX/XX/22 the creditor XXXXXXXX XXXX XXXX told me they had no power over it.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (FL)

So half way thru my vacation last week Pnc bank decided they didnt want to business with me no reason and closed my account before that they put a hold on my account and didnt notify me and me and my XXXX children got embarrassed at XXXX XXXX  and we had to wait so my brother could come pay our bill and know its been two weeks and they still have not given me XXXX XXXX dollars thats in my account me and my kids are sleeping in my car borrowing money for hotels and these people have no sympathy for position they have put me in and I have talked to several people since then even this morning and they have to mail a check which they should have done last week instead they mailed me six letters telling me my account is closed they refuse to give my money at a local branch even tho the branch is XXXX XXXX and no one is the banking system has communication anything or put anything that I called several time I have constantly made them aware of my situation I have XXXX XXXX  in my crypto account and I need XXXX for the processing fee and they are about to make me loose out on this opportunity to better me and my children life the are about to give my account to someone who can afford it as part of the program I sign up for help me please we will be homeless by tomorrow
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against HYUNDAI CAPITAL, for committing identity theft. I have never given HYUNDAI CAPITAL, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with HYUNDAI CAPITAL and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving HYUNDAI CAPITAL any right to collect on this alleged debt. 
I have never received any documentation requesting validation from HYUNDAI CAPITAL, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If HYUNDAI CAPITAL, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until HYUNDAI CAPITAL, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and HYUNDAI CAPITAL, continues its collection efforts, I will file for litigation for actual damages caused and HYUNDAI CAPITAL, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have disputed XXXX XXXX XXXX  card for 2 yrs with XXXX, XXXX  and Equifax because I never had this card or requested a card from this company. Not only am I being forced to have this card on my credit report when its not mine and CHARGED OFF 25 TIMES, but also being FORCED to deal with the account furnishing inaccurate credit information. This account is charged off and closed. Charge off accounts are not to have PAST DUE balances, yet this account has a {$580.00} past due balance, 25 charge offs and last updated XXXX XXXX but really last updated Today from my current dispute notice. My next step is federal court to FRCA violation for inaccurately furnishing information, disregarding these disputes and knowingly continuing to report inaccurate information. The payment history is also incorrect. I NEVER had this credit card, especially starting in XXXX as the pay history indicates. This account is from XXXX. I now believe that this company is PURPOSELY continuing to report inaccurately to hurt me.
Consumer complaint received 2020-07-02
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. (MS)

I sent multiple credit dispute with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus mist abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2020, I filed a complaint against PayPal Inc. regarding my funds being frozen The complaint number is XXXX with the CFPB. 

PayPal responded through the Consumer Financial Protection Bureau portal and said that funds on Account 2 ( XXXX XXXX would be available for withdrawal on XX/XX/2020, and funds on Account 1 ( XXXX ) would be available for withdrawal on XX/XX/2020. Please see attached " PayPals Response to your CFPB Complaint.pdf ''. 

Yesterday, when attempting to withdraw funds from Account 1 (  XXXX ), I still get an error. Please see attached " error.jpg ''. 

I contacted PayPal through their customer service Message Center about this, and they replied stating that the funds would be held for 180 days and that I would receive an email when the funds would be available to withdraw. Please see attached " PayPalContact.jpg '' and " PayPalReply.jpg ''. 

Again, I would like PayPal to release the funds for Account 2 immediately as they promised so that I can avoid having to take legal action. It should have been available yesterday, XX/XX/XXXX, but there is no way for me to make the withdrawal and customer service is refusing to help. 

Thanks
Consumer complaint received 2018-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

I have been disputing charges from a company called XXXX they own several companies that were part of an elaborate scheme to bilk millions of dollars from consumers in the United states. I disputed a charge made on XX/XX/2018 of {$2600.00} with the company " XXXX XXXX XXXX XXXX '' '' XXXX XXXX XXXX '' both the same company. they are owned by a company called XXXX ( XXXX XXXX XXXX XXXX ) I purchased affilliation with XXXX  which is an online marketing company of digital products over the internet. I was sold the service that was supposed to be for traffic that would click on my advertising page. However I recieved nothing for this {$2600.00} I spent. I believe this was just another extraneous charge like many that I incurred while being associated with this XXXX  comany. When I tried to air my complaints the company never responed to my emails.I also called the help desk at XXXX several times but after being on hold for over an hour I just gave up. Chase Freedom card is the credit card company that looked into the dispute I filed with the " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX '' the same company. Chase originally removed the charge from my statement but then the company ( XXXX ) challenged it and then Chase put the charge back on my statement. Now I want to tell you something very important. 2 weeks ago I received an email from the The U.S. Federal trade commision telling me that the FTC by federal court order has shut down this XXXX  company and 8 other businesses they own and froze the assets of the principles in the company over XXXX XXXX dollars ... here is the official link for the FTC action against these criminal companies. XXXX : XXXX An attorney at the FTC provided me this information but the charges against this XXXX company and " XXXX XXXX XXXX XXXX '' came out after Chase denied my dispute for the removal of the {$2600.00} The FTC has been investigating this XXXX  company for fraudulent business practices. I spoke with an attorney at the FTC and he told me that I should make this new information known to the Chase dispute team. I did tell Chase about the fact that the FTC has shut down XXXX and " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX  " company. The charges of almost {$82000.00} that were charged to my credit cards was I believe a scheme to bilk money from me and in light of the fact that FTC has shut down this XXXX company and frozen the assets fo the the principles is proof that this company engaged in fraud. Therefore Im asking that the charge of {$2600.00} be reomved from my statement with the Chase Freedom card.
Consumer complaint received 2018-03-14
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: WELLS FARGO & COMPANY (NY)

I have made numerous attempts to Wells Fargo Auto Finance to correct my XXXX XXXX credit report. I have spoken to them on the phone and they insist no charge off exists. However, when I view the credit report online it says I have a charge off with them. I have but no charge to ask for your help in the hopes of clearing up this matter.
Consumer complaint received 2018-03-14
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)

On XX/XX/2018, I ran my credit to review my ( XXXX ) credit reports XXXX XXXX, Equifax and XXXX XXXX and I was devastated to see ( XXXX ) or more " negative accounts '' had been posted to my " EQUIFAX '' file. These accounts were not on the previous Equifax report I ran on XX/XX/2018. The accounts were XXXX old and all were negatively closed. How can they post all these accounts to my file when there is also a " XXXX XXXX '' posted on the file. Why didn't Equifax question the posting of accounts that are XXXX old and have never appeared on my personal file. I believe they have merged someone with a similar name accounts onto my file. I have had addresses and similar names previously with Equifax appear on my file in the past. 
XXXX. XXXX Bank : # XXXX XXXX. XXXX Bank : # XXXX XXXX. XXXX Bank : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX : XXXX {$4800.00} XXXX. XXXX : # XXXX XXXX. XXXX : # XXXX XXXX. XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX : # XXXX XXXX. XXXX : # XXXX