davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: ADP Inc. (UT)

I use the Wisely ADP prepaid card for almost 2 years and I received one stimulus here and my taxes and payroll direct deposit and on the XXXX of XXXX I was going to receive my taxes in the amount of {$27000.00} that day and they made me put in my W2 my ID my SSN AND MY IRS LETTER BECAUSE OF MY LARGE AMOUNT GOVERMENT DIRECT DEPOSIT AND THEY STILL HAD THE NERVE TO NOT ACCEPT IT EVEN THOUGH THEY ACCEPTED ALL MY DOVUMENTS AND NOW I HAVE TO WAIT 2 weeks for paper check so not fair and I loved this prepaid card so much never had troubles and now I am!
Consumer complaint received 2021-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc. (NC)

I sent a payment of {$16000.00} to the lender to be applied to my account through my online bill pay at XXXX XXXX XXXX Bank. The payment was scheduled to arrive on XX/XX/2021. 

The check was finally deposited and cleared my bank on XX/XX/2021. 

As of today, XX/XX/2021, Payoff still has not posted the payment to my account despite receiving a posting a later payment of {$1000.00}. 

Both checks came from the same bank, were sent to the exact same address, and had my name and account number on them. 

I find no reason for this other than they earn more interest the larger my balance is and the longer my account has a balance.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED COMMUNITY BANK (GA)

On XX/XX/2022, I was notified via telephone about a check that was deposited through mobile deposit. There were not adequate funds in my checking account. The check amount was {$8200.00}. I was not aware of any check written of this amount by me. I personally went to my bank, United Community Bank in XXXX XXXX, GA. There, I requested to look into previous transactions for similar fraudulent activity. The banker looked into my account and there were a total of 13 fraudulent checks which had been cashed from my checking account. From those, 7 checks had been cashed, totaling up to {$39000.00} within the last 24 hours and 6 more checks had been cashed within the month of XXXX, totaling to {$16000.00}. The banker stopped any further transactions on the account. The banker filed a complaint to the fraudulent activity department at the bank and I filed a police report as well.
Consumer complaint received 2019-05-28
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: Accounts Receivable Inc. (WA)

XX/XX/2018 sent a certified verification letter to Accounts Receivable collection agency. I have never received a response from the company. I disputed with XXXX credit agency. There investigation concluded accurate without providing any proof to their investigation.
Consumer complaint received 2021-12-07
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)

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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (IL)

I received a text stating the following : Citi Fraud Free Msg : We declined a payment of {$1700.00} that has been initiated in your account through your Citibank Mobile Banking. Reply yes if this was you, If not, please cancel through this secure link here : XXXX XXXX XXXXXXXX From phone # XXXX I do not have an account with Citi so it is clearly fraudulent.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (PA)

Sent previous complaint via CFPB ( case XXXX ). Received reply from Citi declining fulfillment of bonus offer. 

Citi 's position is that I did not add offer to my account prior to using the card to pay the merchant. Their words, " our records reflect the offer was not enrolled or added to your account in XX/XX/2021. '' See the attached screenshots : " solicited offer terms and conditions.png '' shows terms and conditions for Double cash card ending in XXXX, valid for the period in question. 

" solicited offer terms and conditions file description '' shows screenshot taken on XXXX XX/XX/2021. Offer was added to my card on XXXX XXXX, long before I spent money at merchant on XXXX XXXX. 

" solicited offers XXXX '' shows offer valid in their portal at end of XXXX. Showing that I did in fact have the offer throughout the majority of the month. 

I am not alone in having trouble with Citi meeting their end of the merchant offers. XXXX website is rife with cardholders having issues with Citi.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

My credit score has been the same with little variation since I opened this account ( called XXXX XXXX with Synchrony Bank to use at the vet and various doctor 's offices for health care services ). On XX/XX/2021 I paid the balance in full ( vs only the minimum payment due XXXX XXXX, 2021 ). On XX/XX/XXXX XXXX per my phone discussion with customer service tonight XX/XX/2021 ) they closed my account because of a change in my credit score. As previously mentioned, it has only varied by a few pts up and down for the past year. I didn't miss a payment with them ( or any agency I believe ), in fact I paid the account off early. I didn't receive the letter they claimed they sent. I found this out because I checked my online account today to make sure my payment was applied and I could have the full line of credit to use for a vet appointment tomorrow for my very ill cat only to find the account is closed for no reason. This is deceptive and discriminatory. Who closes an account that is NOT delinquent for being paid in full?!? Please look into this company 's practices. They are not operating in good faith.
Consumer complaint received 2022-10-17
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. (MO)

I am submitting this CFPB Complaint to request to the Credit Bureaus once more, to remove the remaining fraudulent accounts and information from my Credit File. I greatly appreciate the action done by the Credit Bureaus and have some of the disptued items removed from my Credit File. However, there are items left that should also be removed such as the inaccurate addresses, and the one fraudulent account reported by the Equifax Credit Bureau. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed items in which they resulted due to identity theft, not later than 4 business days after XX/XX/XXXX. I also sent another dispute letter to the Credit Bureaus on XX/XX/XXXX. I have already included these items from my previous Complaint and I am including them again, once more. Please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}
Consumer complaint received 2022-10-17
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. (GA)

I have been disputing fraud ACCOUNTS on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX Balance : {$40.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00}
Consumer complaint received 2022-04-22
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (WA)

On XX/XX/XXXX I received XXXX emails from XXXX the first was a " Paperless statement confirmation '' and the second was " Congratulations, you've been approved! ". Both of these emails were sent to XXXX while my actual email address is XXXX and indicated there was an account ending in XXXX opened for my nickname ( i would never open an account with this name ). The account was for an airlines rewards credit card through Barclay 's US. 

I did not click any links in the email but instead did a XXXX search for Barclay 's US bank and looked up their fraud reporting number. I called and tried to report this incident but they could find no record that an application had been made.
Consumer complaint received 2022-04-21
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. (PA)

in accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX account number XXXXXXXX XXXX  # XXXX XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. states i have privacy rights.

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 2022-04-21
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account, # 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
Consumer complaint received 2022-04-21
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)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-02-17
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: Westlake Services, LLC (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Westlake Financial. The Account Opened is Westlake Financial Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-08-13
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. (IL)

In accordance with the Fair Credit Reporting act the following companies 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any Reason. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-07
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. (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 XXXX  still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX has continued to report incorrect information for several years to the point where Im going to proceed with legal action. there is a closed XXXX vehicle loan account # : XXXX opened on XX/XX/XXXX in the amount of {$7300.00} and paid off on XX/XX/XXXX. it shows as having a 60 late payment on in XX/XX/XXXX. I have disputed this item several times over the past few years and it has been removed and it keeps popping back up on my report. I am sick of XXXX 's ineptitude and they need to fix the reporting of this vehicle loan immediately to paid as agreed with no late payments. I have an official letter from XXXX stating that there was never any late payments on this account. FIX THE PROBLEM XXXX!
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (PA)

I have an account with PayPal credit and I made XXXX payments, {$300.00} on XX/XX/XXXX and {$840.00} on XX/XX/XXXX. Then I received an email stating my account was part due. Thats when I discovered I made the payments to the wrong account. I called PayPal credit and they said if I proved the payment was made, they would credit my account. So the bank did that, XXXX times now. On XX/XX/XXXX, I made the payments again {$300.00} and {$840.00} to avoid fees and charges. It has been XXXX months now and the bank has given all information to PayPal credit they requested XXXX times. They assured me I would get a refund but instead of tracing the payment by the trace number, they are using the amount abs they keep finding the XXXX ones because its in the correct account. They provided a phone number to call but its a number that keeps saying they are closed no matter what day and time you call.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I didn't know I could submit a complaint, but I have had a couple of credit cards close in the past through JPM Chase ( one being a Chase Sapphire and the other an Amazon credit card via Chase ). This was between XXXX, but I would call and not receive an answer as to why my account was being closed, even with working for a bank, having a great credit score, and paying my bills in full on time ( no late pmts ). I was even instructed to send them a fax to their compliance dept, but they refused to provide me any information as to why my accounts were closed and stated they were in their right to close my account. 

All I want is an answer to why my name is being prevented from banking with one of the largest banks in the country without explanation.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2021, I made an ATM withdrawl. I requested {$200.00}, a mix of {$50.00} 's and {$20.00} 's. The machine dispensed two {$50.00} bills. Because the branch was not open yet, I called Wells Fargo and started a claim. The claim was denied. I then went into the branch and filed an " escalated claim '', which was also denied.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

My data was affected as part of the Equifax data breach. I signed up for TrustedID from Equifax on XXXX. Today is XXXX and I received the sign-up email from Equifax last week, but their website has been down/broken. The sign-up email says " You have already signed up for TrustedID and this link is no longer valid. '' However I never signed up for this service - the link never worked for me. The website www.trustedID.com is down and has been for days. In the random moments the website goes live, I try to request my password ( I never created one, but it says I have an account, so I figured I could try it?! ) and the website just times out and then crashes. 

This is wholly inadequate. Equifax should be fined and censured for their callous attention to basic security practices which can affect my credit score.
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

Hello my name is XXXX XXXX, starting around XX/XX/XXXX I have gained some positive balance in my PayPal account that was newly opened. The funds in totaled right now are a little over {$200.00} us dollar. Today is Sunday XX/XX/XXXX I have been constantly on the phone with PayPal getting the run around getting different answers from every different rep I have spoken to. They made it impossible to transfer my funds into my bank account or even to link my PayPal as a payment method with the exception of a few XXXX orders that worked maybe two times out of 15 attempts. The common answer I get is please wait XXXX hours and let the system refresh and try again. After trying every last option on PayPal and getting nowhere today XX/XX/XXXX I get a email from PayPal saying I can no longer do business with PayPal. This is a ongoing problem and there's tons of people PayPal is doing this too and illegally taking there money. Someone really needs to look into this company how is PayPal a bank where consumers keep there hard earned money in. And then there is no one at PayPal that can fix the problem to access my own money. My family and I now are stuck going hungry and don't have any gas to make it to our jobs and now are stuck with nothing because now PayPal says there going to hold my funds for 180 days and from what I'm reading on case files and reviews online after the 180 days they still keep your funds. Please please im begging someone to look into this company this is not a bank at all this is racketeering and they need to be held accountable. There is plenty more people out here suffering from the hands of PayPal that aren't aware of or don't have the means to try and seek legal help. Please make a change. Look into this fraud of a company and I promise it will definitely lead a long trail of hopefully stopping people of a world of hurt and suffering. Thank you
Consumer complaint received 2022-04-22
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. (MO)

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. 

XXXX XXXX XXXX  # XXXX has violated my rights XXXXXXXX XXXX # XXXX has violated my rights XXXX  XXXX bankruptcy discharged has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Sections 602 A States I have the rights to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.