davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There is old item on my report that I demand you remove at once in order to comply with the FCC. 

Bankruptcy : Discharged CHXXXX - XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2013 Reference No. : XXXX
Consumer complaint received 2019-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

PayPal is keeping me from retrieving my own money, despite over 25+ contact attempts to resolve the problem with them over the past several years. PayPal refuses to release my money unless I supply them with SSN, ITIN or tax information, despite explaining to them too many times that I'm not a US citizen, and I do not hold a SSN or have tax information. 

I have more than enough reasons to believe that PayPal is deliberately and fraudulently holding my money. My last several complaints were completely ignored. My account have been sitting in " Were reviewing your documents '' status for many months. Whenever they answer my tickets, I usually get responses that address problems that don't exist, as if it was a random auto-reply. 

I already supplied PayPal, based on their request, with too many proofs already, including my country citizenship ID, my passport, my US visit VISA, my phone bill, US Tax exemption form, and many more. Some of the documents were sent to them multiple times.
Consumer complaint received 2020-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

I am being charged excessive overdraft fees/ insufficient funds fee. We are in a Pandemic, and managing finances can be challenging. From XX/XX/XXXX to XX/XX/XXXX the bank charged me XXXX dollars all are insufficient funds fee at XXXX dollars per item. Just because my funds arrive a day later from when the bill hits my account. 
I called the bank on XX/XX/XXXX I went into a branch XX/XX/2020 I called XX/XX/XXXX The representatives told me I was only allowed 3 reversals of fees 3 times a year and I did not qualify until XX/XX/2020 This is a Pandemic and banks should halt all fees, this is so disgusting. I called the bank on XX/XX/XXXX because they had returned an item ( Bill ) which totaled in XXXX but they had taken out XXXX in fees. If they had not taken out fees I would of had enough to pay that bill. The bank agreed to give me back XXXX dollars and told me they couldnt do anything about the other XXXX dollars, because its past 30 days???? I asked what about all the times I called during Covid, and they told me that because I was asking for a fee reversal, thats why I didnt get them, they told me I had to say its due to Covid, and because I didnt mention the word Covid 19, thats why they did not refund any fees. 
I asked them why was I not notified about there Covid policy???? There response was that they dont notify anyone and that we are just supposed to know? I am a single parent getting through a pandemic, and I need my XXXX dollars back and no more fees for the remainder of 2020 at least.
Consumer complaint received 2020-09-20
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. (OH)

I have not been late on this account and requested physical proof that I was late. Provide transactions of late payment for this account. I requested this information in XXXX. I have the certified mail that was sent requesting as such. 

XXXX XXXX # XXXX
Consumer complaint received 2022-08-21
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-12-18
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: BARCLAYS BANK DELAWARE (TX)

I disputed a charge of {$720.00} for carpet cleaning with Barclay. Barclay denied the claim without doing a reasonable investigation of the claim. The service provider for the carpet cleaning did not clean the carpets. I provided photo evidence that the carpets were not cleaned and an invoice from a separate company showing that I had to pay someone else to do the job. Barclay refused to consider this evidence and solely relied on the company 's assertion that the services were rendered. This is in spite of the fact that the invoice that the company provided notes that the work was not done. I did not accept the services, the company charged me regardless of that, and Barclay refused to research the matter appropriately.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MO)

I am asserting that Synchrony Bank ( see attached letter dated XX/XX/18 ) has made a grossly negligent error or intentionally misleading statement of fact for limiting my approved credit for a Lowe 's credit card. Specifically : ( 1 ) The stated reasons for Synchrony 's limitation of credit are inconsistent with information provided by its listed sources of credit information ( XXXX and XXXX XXXX XXXX ). My XXXX credit report is spotless and my XXXX credit score is XXXX which places me in highest credit worthy category and in the top 10 % of credit users nationwide. For someone who takes great care in managing one 's credit, you can imagine my alarm when I read Synchrony 's justification for limiting my credit. When I contacted XXXX and XXXX, it indicated that there was no information whatsoever under my name ( same as business name ) anywhere on their system. Accordingly, the sources of credit information identified by Synchrony Bank in its letter does not in any way support its decision. 

( 2 ) When I attempted over a period of three days to resolve this with Synchrony Bank, it was ( 1 )unable to tell me specifically why my approved credit was limited beyond the three false or misleading statements. ( 2 ) unable to locate a copy of the letter ( see attached letter dated XX/XX/XXXX ) ( 3 ) unable to identify the division where the letter was generated or the contact person who made the credit decision. The reasons cited by Synchrony for limiting my credit are egregiously wrong and/or intentionally false. 

( 3 ) Absent the ability or willingness of Synchrony Bank to answer my questions or provide additional justification for limitation of my credit I assume the following : ( a ) Synchrony Bank is in violation of the Equal Credit Opportunity Act ( ECOA ) with possible discrimination against me because of my age ( XXXX ). 
( b ) Synchrony Bank is in violation of Fair Credit Reporting Act ( FCRA ) because it has not identified the true source of credit information ( assuming it exists ) that I might use to verify the accuracy and completeness of the report and related credit decision. The information provided to date do not in any way support Synchrony 's credit decision.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Verisk Analytics Inc (AL)

Below is a verbatim copy of the instructions on the Verisk Analytics A-PLUS web site on how to obtain a free yearly copy their insurance reporting file. Web address : https : //www.verisk.com/XXXX " To request a free A-PLUS loss history report, call the A-PLUS Consumer Report Request Line at XXXX. The A-PLUS Consumer Report Request Line is available Monday through Friday from XXXX XXXX to XXXX XXXX, Eastern time. '' When you call XXXX at XXXX XXXX   Eastern time you get a recording stating that their business opens at XXXX XXXX Eastern Time.
Consumer complaint received 2022-08-21
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)

In accordance to the fair credit act XXXX  account XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX 15 u s c 1681 section 602 a states I have the rights to privacy 15 u s c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction Account XXXX Also XXXX Ac=account number Sc=sort code
Consumer complaint received 2020-10-21
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 (NY)

PayPal closed my account on Tue, XXXX  XXXX when it had a balance of {$11000.00}. I have requested a check for the balance of the account but they have not complied.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/2017 I visited the Chase Bank branch located at XXXX XXXX XXXX XXXX in XXXX, Oklahoma. I was there to verify my identity for a wire transfer I had originally initiated online. I brought with me several forms of identification and initially dealt with personal banker XXXX XXXX. XXXX XXXX took my documents and verified my identity. He then called someone on the phone ( presumably in a different department charged with initiating wire transfers ) and subsequently informed me they could n't complete the transfer for " security of the account '' reasons. I insisted as to why, my money could n't be transferred to another institution when I had come to the bank, in person, and verified my identity with three separate forms of identification and was myself requesting that they initiate the transfer. I requested to speak with the Branch Manager ( one XXXX XXXX ) who parroted back the same refrain " we can not do the wire for security of the account reasons. '' I informed XXXX XXXX and XXXX XXXX that this was n't a valid reason since the money was mine and on deposit with the bank, and I had met all of the requirements for initiating a wire transfer. I told them that if they continued to refuse to initiate said wire transfer without providing reasonable grounds I would consider their actions highly prejudicial and discriminatory and pursue further action against both. This is why I have come to you ( among others ) to help weed out this sort behavior within our banking institutions. It is unacceptable to refuse service to a customer that has gone above and beyond to satisfy all requirements without providing a legitimate reason for why service has been refused. I ask that you take immediate and swift action against Chase Bank and it 's employees ( XXXX XXXX and XXXX XXXX ) so that no other patrons are harmed, as I was, by their wanton, careless and XXXX treatment of customers.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (GA)

My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this matter.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (SC)

A fraudulent Amazon credit account was opened with Synchrony Bank in XXXX. Synchrony quickly fixed the problem on my credit reports with all three bureaus. I have attached the documentation provided to me by Synchrony Bank. However, I applied for credit with Synchrony bank in XXXX and just recently Amazon for Business and was denied on both occasions because of an existing delinquent account with Synchrony Bank. I called Synchrony on XX/XX/XXXX and spoke with several different departments. All of them confirmed the account had been cleared in XXXX and confirmed I have no other delinquent or open accounts with them and I should have no trouble with applying. So my problem is this. Twice now I have applied for credit and have been denied specifically because of a previous delinquent account with their company. How can this error be corrected? There are no other factors listed for denial of credit listed. Calling Synchrony bank does nothing because all they can tell me is this should not be happening and I should not get a denial for that reason. So what am I to do? I am trying to establish a line of business credit with Amazon. Synchrony is the main option. Somehow my social is still connected or flagged in their system indicating I am ineligible form ever opening an account. I can only assume because of the fraudulent account that was opened with my information. I have no other accounts with them.
Consumer complaint received 2020-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC (CA)

West lake financial services..they sent a, letter saying they want to, settle the, account ..i settled the account and, they reportex false info on my credit reports
Consumer complaint received 2020-09-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (NY)

The collection Agency has failed multiple times to send me the requested documentation to verify the debt according to USC Section 809 of the FDCPA, USC Section 623 of the FCRA, and the Code of Federal Regulations 16 CFR Part 660. I have requested documentation to verify the debt in XXXX  of XX/XX/2020and of XX/XX/2020in which this company is now in violation. I did a final request in this month of XX/XX/2020   requesting the items below :

1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority in your local State and the State of North Carolina to collect on this alleged debt, and proof of acquisition by assignment or purchase. 6. If this debt was purchased a copy of the purchase contract from the original creditor. 7. What did you pay for this account, and how did you calculate the current amount owed? 8. Finally, please provide a detailed list of services performed that represent your alleged balance of {$390.00}. Therefore, due to their lack of compliance of beyond 90days without forwarding the properly requested information I'm requesting to have the item removed from my credit report or I will obtain an Attorney for legal action.
Consumer complaint received 2020-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I have a had multiple accounts of money being taken out of my account from a place called hidden listings. I have reported it to chase bank and nothing has been done and now they have taken over XXXX dollars out of my account over the last few months. I have never signed up for this service nor do I know what it is.
Consumer complaint received 2020-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERMARK CAPITAL, INC. (CA)

I refinanced my mortgage through Watermark Home Loans. I asked them to change the Title on my house with the re-financing of my mortgage ( from single and sole property to including my wife as community property with right of survivorship ). I made this request multiple times in e-mail conversations with the loan officer and  another employee. I still have copies of these e-mails. 

The re-finance went through and, after the fact, the company e-mailed me and said, " This went through as it was originally titled. Sorry. '' These people not doing their jobs has cost me a lot of time and money to try to resolve on my own.
Consumer complaint received 2020-09-20
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: CITIBANK, N.A. (TX)

Citi company is reporting credits cards that they did not verify. 
I have been trying to work with them started XXXX, XXXX. 
Account numbers ending XXXX, XXXX, XXXX. 
Citi have violated the FCRA $ FDCPA ; they did not validate the debt and I am asking them to delete the entries it is hurting my credit history very bad. 

The only response I had from citi with statements and statements by law does not validate the debt. 

Citi did not validate neither one of the account as requested bye me. 
I don't owe this debt and should be removed immediately. 



I have more documentation then I COULD HAVE UPLOADED.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (UT)

I am writing this due to non-compliance with the XXXX Credit Reporting Agency, Equifax XXXX XXXX XXXX, and XXXX Credit Reporting Agency. 

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (LA)

On XX/XX/2020 I sent a request to receive my free annual consumer report and as of XX/XX/2020 I have yet to receive any consumer report from any of the three bureaus.
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (TN)

I was informed by my ex-wife that all my credit card information was still showing on her credit report. XXXX told her it was showing because Chase was reporting it because she was still listed as an authorized user. I removed her from the account via Chase over 10 years ago. I contacted JPM / Chase who said Id have to call back as that department was closed, though the 2nd rep I talked to did confirm there were no other authorized users on my account. 

I attempted escalate because my data being available to her and being reported to unauthorized 3rd parties ( IE credit bureaus ) that this was kind of a big deal. My account was being used to determine her credit score. The rep did not seem to grasp the severity of private data being shared. I opened a complaint with her on the matter but she said it would take 10-14 days to hear anything. She also would not provide any documentation to me showing a complaint had been opened. She said that document was for internal use only.
Consumer complaint received 2020-09-21
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)

XX/XX/2020 RE : Returned Items ( 10 ) masks to XXXX for late shipment Pursuant to my phone conversation with a CS agent at the merchant XXXX, They lied and were unable to locate my order and it arrived nearly 3 months late. I have disputed this with my Chase business card bank and they told me to return the masks back even though 1. The XXXX website states they don't accept returns, 2. I had to pay shipping both ways for a mistake they made. 

I originally purchased this order in XXXX and it was promised to be delivered via XXXX XXXX within 5 business days. I paid an extra charge of {$11.00} for this expedited service. 

When it did not arrive within the promised date, I contacted customer support via messaging system and spoke to XXXX ( At XXXX ) He again lied, and said it will arrive by XXXX  XXXX soon ... my first order arrived in XXXX and the second almost the end of XXXX. Not by XXXX XXXX  but by USPS ... This is totally unacceptable!

On their site they state returns are not accepted so I did not return it right away even though I had already made alternative plans ( purchasing masks from another vendor ) so I did not return ... but after speaking with a Chase CS rep, they had instructed me to return these masks. 
Today, I have put them into a poly mailer envelope and stuck 5 dollars worth of stamps on it to be returned to their address on file on their " About Us '' link at XXXX XXXX XXXX XXXX XXXX NY XXXX. I have asked Chase to Please remove my charge of {$72.00} permanently. The company XXXX is a scam. I no longer have any use for their fake masks! My Chase Bank is J.P Chase Morgan : XXXX XXXX XXXX XXXX DE XXXX and my account that was charged ends in XXXX Sincerely, XXXX XXXX
Consumer complaint received 2021-09-02
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: JPMORGAN CHASE & CO. (TN)

I recently noticed an inquiry on my credit profile from JPMCB. Ive never applied for anything with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.

Remove this erroneous inquiry from the credit bureaus immediately.