davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

The company PayPal since 2021 refused to close account and given me attitude over using a Russian email address. I have heard excuse of technical errors for almost 3 years and refuse fix or prioritize my issue even if I call them monthly basis and when im told to email I email as well. I talked to many departments of PayPal from disputes/senior intendants and even office of some of their representatives through executive escaltaions email they sent me. I began case through better business bureau and PayPal once again refused closing account for issues they call technical and refuse to close this acct. Currently im unable to log in and company only made me contact merchant customer support so can " work on technical issue '' under request of executive sections office under admin venu. But I was told technical team also their was no issue my account to close that customer service should be able close it but like mention many times the customer service refused and always give me different excuses so won't close acct even if technical support which I contacted this year along side executive office to close account. 
The acct currently unable to log in and company refuses to close it over phone and im always told investigations and more I will receive papers via mail ( I never did for 2 years ) Bad character and service since XXXX used my Russian email address and I was told if I lived in XXXX. When im from XXXX. Alot of horrible waiting and refusal to close account when their no issue and ones who can close acct refuse too.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (IL)

There is an issue with my account closing. Due to very poor customer service at the branch in XXXX, XXXX I have decided to close the account at the beginning of XXXX. 
To this affect I also requested to have my XXXX appointment cancelled at that branch. 
However when I called WF customer service the bank refused closing of the account despite providing my credentials and explaining two last transactions including the amounts and were they were deposited to my account. WF refused to close the account despite provision of a code verifying my identity to my email account which should have established just that. It was done as currently my cell phone number ( XXXX ) is unavailable due to the carrier change ( XXXX platform discontinuation by the current carrier ) and new carrier will be able to take my service shortly. 
It is beyond me why the bank would send me a verification code by email ( apparently in bad faith ), confirm it as valid and then turn around and require another sent to my cell phone. Once again this action shows a complete disregard to the any kind of good will relationship with the client. 
The supervisor XXXX XXXX was the one demanding a code from the no longer functioning phone. It is obvious that the bank is refusing to close the account in order to accrue possible inactivity fees.
Consumer complaint received 2022-04-08
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)

This is inaccurate because I paid as agreed by the creditor. I have disputed this item for the past two months regarding late payment status that was inaccurate. 

There was no way I could be 30 days late in XX/XX/XXXX, when I made a payment on XXXX XXXX, XXXX, nor did this account close in XX/XX/XXXX, when it previously showed this account been closed since XXXX. Also, prior credit reporting on XX/XX/XXXX, reflected I was 30 days late but on XX/XX/XXXX, your agency reported I was current in XX/XX/XXXX, supporting my request. Your agency inaccuracies are affecting my credit score rating and under FCRA statue I may be entitled to compensation for this type of damages.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX Equafax XXXX These companies are using fraudulent, deceitful, and Malicious practices to create Bias Consumer Reports. They also are using third parties to conduct investigations without consent. They are in violation of several consumer rights as referenced below : 15 U.S. Code 1681 15U.S. Code 6802 15 U.S. Code 1692
Consumer complaint received 2022-04-08
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. (IL)

I used my Chase sapphire reserve card and associated points to book a trip for my family a couple of weeks ago. I was forced to rebook/change my return flight and contacted the Chase travel agent to assist me with changing my booking. After approximately six hours of being on the phone, and being call dropped several times, I was told that I could get a flight the following day. XXXX  travel agent informed me that I would pay approximately {$450.00} for a new flight return for myself, my wife, and lap infant. A confirmation email was sent to me and money was taking from my credit card. The next day upon check-in, the airline agent informed me that all the booking was made a ticket was not actually issued. Given the difficulties of traveling with a baby, I was forced to buy a new return ticket the following day directly through the airline. Upon returning from my trip, I contacted Chase travel to inform them that they took money without actually giving me a ticket on a plane flight. After several hours with a supervisor, I was given a very minimal point reimbursement. This was not enough to even cover the costs accrued to book the new flight. I was told that they would investigate this again and I would get a call back. It is now three days since that conversation and I have not heard back from anyone. I fully expect a refund of the booked flight that was made that did not have an associated ticket. Additionally, I asked if there was anything that can be done about the additional night I had to stay on my trip and the cost associated with that ( hotel, taxi, food ). Chase travel company is very unreliable and difficult to get a hold of. After multiple hours on the phone with call dropped they are unable to return my calls or resolve my issue.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX CARD Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX CC Account Number : Please remove it from my credit report.
Consumer complaint received 2021-06-04
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: LEXISNEXIS (TX)

Hello! 

I pull my credit reports and notice bankruptcies on my credit report. I reach out to all three credit bureaus asking for method of verification. I received notice that their verification came from LexisNexis. I sent LexisNexis 2 letters certified mail asking them where did they get their verification from. They have not sent me letters regrading this matter. I sent one in XXXX and another one in XXXX. It has being well over 15 days without a respond regrading my investigation. 

I have also attached my letter and certified receipt.
Consumer complaint received 2021-09-02
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. (MD)

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX XXXX XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-04-06
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: CITIBANK, N.A. (IL)

I had three cards with Citi that were closed by the bank in XX/XX/2018. All three cards had cash rewards or Thank You points that were taken by Citi and not paid back to me. 

I signed up for these cards based on their marketing material that indicated I would receive those cash rewards to Thank You points for making purchases with those cards. By closing my account and not returning to me those rewards, Citi was deceptive in their marketing.
Consumer complaint received 2020-03-24
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. (CA)

My Chase credit card was overcharged for the amount of {$430.00} ( $ XXXX {$130.00} ) by Swiss airline on XX/XX/2019, i disputed these two transactions as i purchased a round trip flight ticket and i called the airline to reschedule my 2nd trip due to a health circumstances they inform me that my ticket is non refundable however i was informed by them before paying for this ticket that my ticket is refundable, i called chase credit card to dispute these two transactions they came back to me saying that my request has been denied because my ticket is not refundable, i requested an evidence because they never sent me any email, or any kind of correspondence demonstrating that my ticket is nonrefundable, all i received is an itinerary without any terms for my ticket.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

{$6000.00} is missing from my bank account. I deposited US {$6000.00} from my Bank Of America Account to XXXX 's receiving bank XXXXXXXX XXXX  on XX/XX/2021. The money was deducted from my account but XXXX and XXXX claim to have never received the money. This transfer was made XX/XX/2021 and the issue is still unresolved and the money is still missing. The issue has been bouncing back and forth between all the parties involved - XXXX ( # XXXX ) / XXXX ( trace # XXXX ) / Bank of America XXXX Claim # XXXX ). I have outstanding customer support tickets with each but the issue is still unresolved. The money has been missing for 2.5 months now and the parties involved have been very slow to address and solve the issue.
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (OR)

I checked my credit report and on XX/XX/2020 I was put into collections from Enhanced Recovery Company, their number is XXXX XXXX XXXX, They are trying to collect a debt from XXXX-XXXX, this debt is way over the statute of limitations and I have not received any correspondence about this debt. I am a XXXX veteran and a XXXX XXXX XXXX, I need loans to help me get through the COVID-19 emergency and they have jeopardized my livelihood as well as my XXXX XXXX with their shady business practices. They fraudulently submitted a collection to the credit reporting bureaus and they have not even attempted to reach out to me. After 11 years this is outrageous and this shouldnt be allowed, I am considering taking my own legal action for potential losses they have caused to my XXXX  for their incompetence.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I pulled my credit report in XX/XX/XXXX and the following accounts were not listed on my credit. I just pulled my report for XX/XX/XXXX and the accounts are listed on my credit report XXXX XXXX AND XXXX I WANT THESE ACCOUNTS REMOVED AS THEY ARE NOT MY ACCOUNTS. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AZ)

I have requested my free annual credit report with Equifax and I included all their required information and documentation, using legible copies, but they have denied my request, stating my proof of identity does not match what they have on file. Then they ask for the SAME items I have already sent them. 

They want a copy of my Soc Sec card AND a copy of my current driver 's license, both of which I have already sent.
Consumer complaint received 2018-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (WI)

I received a promotional offer from Wells Fargo for a {$300.00} promotional credit on a business checking account, paid out if certain terms were met. There terms were : *Deposit {$1000.00} or more into the new business checking account by Day 10, and *Have a {$1000.00} minimum balance in the account on Day 60, and *Make 5 or more qualifying transactions by Day 60 : Debit card purchases ACH ( credit and debits ) Checks paid Mobile deposits Wires ( credit and debits ) Wells Fargo Bill Pay or Direct Pay I applied and was approved for the account, in a Wells Fargo branch on XX/XX/XXXX. The personal banker even called Wells Fargo corporate to confirm the offer and apply my unique offer code. I met all of the criteria well within the timeline allowed. 

On XX/XX/XXXX, Wells Fargo customer service informed via direct message I would not receive the offer because the code was not applied to my account. I am outraged, ripped off, and fed up with their service. I demand to be compensated in the manner which was advertised.
Consumer complaint received 2018-05-11
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. (FL)

This problem is with my Equifax report hand the way the agency has handled my dispute, I noticed two fraudulent account on my report back in XX/XX/XXXX of XX/XX/XXXX, After inquiring around I was told how to tackle this issue I reached out to Equifax and ask them to provide me facts that this account is accurate and to provide me proof and method of verification, however all they did was send me back a report saying that it was verified no insight, Ive contacted the two creditors who have failed to corporate because they have sold the account so they are not investigating and Equifax is not demanding that these two creditors supply detailed information to me, I them reached out to FTC and they told me that I need to fill out the IDENTITY THEFT REPORT which is the same as a police report and send it to Equifax and they must delete the fraudulent accounts in 5 buisness days, Equifax have ignored this order and continue to report these unauthorized accounts, they have never done any true investigation, Im asking that the CFPB look more into Equifax and see to it that they are following the fair credit reporting act, which clearly state that they must go beyond the original source of the information to prove accuracy, its also the reporting agency job to make sure the account is correct and they also have the authority to remove the files if they are not accurate in findings and if you find its accurate supply the information to the consumer ... Equifax have done none of the following, the accounts are listed below ... also Equifax continues to make updates every time i dispute like removing a late payment or two then next dispute adding a late payment and they are doing this and then sending me a verified and say they updated the account, but why u keep making changes? And then reversing changes no investigation is being done and the account is to be delete as they are not mines ACCOUNT : XXXX ACCOUNT : XXXX XXXX