davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

on XX/XX/XXXX of this year 2021.I noticed a large deposti on my account in the amount of XXXX dollars, the check was still pending but someone started removing the money via atm withdrawals and what look like point of sale withdrawals, they took out a total of XXXX dollars to the best of my knowledge, i called the bank on monday as i could not reach no one on the weekend, i was told they would open a case and they would get it resolved within 10 days or at least offer provisional credit, the following friday, the bank said they would decline the check and everything would be fine, i recieved my pay checks on the friday folowing and the bank took XXXX XXXX dollars of my money to pay for the withdrawals that i had filed a complaint on, i recieved a call from a bank represenative by the name of XXXX XXXX XXXX XXXX said that my claim had been denied because i used my bank card a couple of times after i made the complaint, i was never instructed not to use it, they just told me to change the password, i believe this was just a ploy to restart the claim so provisional credit wouldnt be issues, i have called everyday for 10 days and no one has been able to get this resolved, i have spoken to roughly XXXX agents at PNC on XXXX phone and in person and no one seems to know what they are doing or how to help me
Consumer complaint received 2022-10-15
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: GOLDMAN SACHS BANK USA (GA)

APPLE CARD - GS BANK USA Opened XX/XX/2021 ( XXXX yrs, XXXX mos ) On this date someone opened a credit card with this company using my information.
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

I attempted to make a purchase to XXXX via PayPal credit on XX/XX/28. PayPal approved the purchased, but unbeknownst to me, there was not enough available credit to make the purchase. I found this out because PayPal then proceeded to debit one of my bank accounts for the amount resulting in an insufficient funds fee. I didn't know PayPal would do this, so I removed all of my additional cards and bank accounts from PayPal and had my staff accountant contact them immediately regarding this attempt to debit my bank account. I received an email from PayPal stating they had canceled the billing agreement with the merchant and I presumed it was canceled and I'd no longer be charged. To my chagrin they attempted to debit my bank account again resulting in another insufficient funds fee. I logged in to one of my other credit cards that had previously been removed from PayPal and noticed they had posted the transaction to that credit card on XXXX, a full week after I had already removed the card from PayPal. I have the original email showing when my credit card was removed from PayPal the week prior and that no charges would be posted after that date, so how was PayPal able to charge that card a full week after without authorization?
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

They closed my account on XX/XX/XXXXand informed me by email : We have determined your account is not in compliance with your Deposit Account Agreement. Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ).

If you still have funds in this account, please allow 14 days for any outstanding transactions to settle and then a physical check for the remaining balance will be sent to the address on file. You should receive your closure check shortly after. 

This isnt the issue, but its worth noting. I signed up with Chime because my bank didnt play well with the XXXX XXXX XXXX. So, why would a bank marketing to the online generation have to question what XXXX is and flag that deposits coming in ( under the $ XXXX limit )? Their interrogation styled emails to me were clearly clueless about XXXX. Kinda sad. 

I had {$1800.00} in there when it closed. I have tried calling them but the automated system blocks my call because they recognize the number and state that since my account is closed I must only use email support. Fine. I emailed several times about the status of my funds. Their replies take days and are always canned with the same info about the 14 days after closure. Ive asked questions and never get answers. The last couple emails may actually be human as they ask me for my address. So, they send numerous emails about it being sent to the address on file but now they wont send it because they want me to give it to them?
Consumer complaint received 2021-10-11
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. (TX)

This dispute is for an account balance via XXXX XXXX  XXXX credit union with a balance of {$230.00} that has been paid in full please remove from my report.
Consumer complaint received 2021-12-17
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 sent letters to all 3 credit bureaus on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-04-12
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX XXXX XXXX NXXXX 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, 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 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, at XXXX XXXX XXXX, XXXX, NY XXXX XXXX CHASE Bank branch , I deposited {$2500.00} in cash at the ATM. However, the deposit was not completed at that time, and a receipt came out of the ATM, but it did not show the deposit amount. 

On XX/XX/XXXX, I followed the instructions on the receipt and contacted the bank staff to explain the situation. On XX/XX/XXXX, my account showed ( Reversal : Missing Credit ClaimId : XXXX | See details of this deposit ATM deposit {$2500.00} ) But on XX/XX/XXXX, another {$2500.00} was debited from my account. On XX/XX/XXXX, I called the bank customer service again and they told me that they made a mistake. They thought I had deposited a check of {$2500.00} instead of cash., so further investigation is required. 

On XX/XX/XXXX, chase returned the XXXX credit in my account again. 

On XX/XX/XXXX, the {$2500.00} credit in my checking account was debited again. 

I contacted the bank customer service and they told me that I couldn't find the money and needed to call the monitoring department to check the XXXX. I then called the chase bank monitoring department, they said that they need a police report before they can check XXXX. 

So I went to XXXX Police Station XXXX and the police told me I needed to dial XXXX at the bank branch and the radio-dispatched the police to the scene. In the middle of XXXX ( should be the week of XX/XX/XXXX to XX/XX/XXXX ), I went to the bank branch. The bank staff said that they did not want me to call the police, and made an appointment for me. They called chase customer service to help me with this. On XX/XX/XXXX at 12 noon and the bank staff helped me contact the chase bank branch and she ended up copying my receipt, social security number, my ID. And she told me that she would report this to Chase, and they would conduct another investigation. The results will be available in about 10 days. 

On XX/XX/XXXX, the day before my birthday, I saw an update in my account activity ( XX/XX/XXXX, XXXX DUE TO ATM DEP ERR CORR XXXX Account transfer {$1900.00} ) My understanding is that they did investigate this case, and they did find some money, but it wasn't the correct amount which is {$2500.00} that I deposited at the time, but the {$1900.00} I didn't know how they find out. 

Later, I received a call from XXXX XXXX, TX a few days ago, XXXX. A staff told me that because my checking account is currently owed {$200.00}, I need to deposit at least {$200.00}, otherwise they will close my account soon.
Consumer complaint received 2021-10-11
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-30
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. (CT)

Be advised this is not a refusal to pay, but notice that the claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt XXXX XXXX XXXX # XXXX for {$310.00}, XXXX XXXX # XXXX say I owe XXXX XXXX XXXX, or XXXX XXXX. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay the companies named in this dispute not who they are trying to collect for.
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (KS)

On XX/XX/20 I canceled cable TV and internet service with XXXX XXXX, a.k.a. XXXX. My account was paid in full and I returned my equipment to XXXX store # XXXX on XX/XX/20. In mid XXXX, I received a bill in the mail from Spectrum for a {$59.00} equipment fee. I called XXXX customer service and advised I returned the equipment via XXXX on XX/XX/20, it shows delivered on XX/XX/20 by tracking number. I provided XXXX the tracking number. On XX/XX/20, I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX, dated XX/XX/20, claiming I owe a {$59.00} equipment fee from XXXX. This is a false claim and I do not owe any debt to XXXX as I returned equipment.
Consumer complaint received 2021-10-11
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. (FL)

The problem I am having is that they are reporting a late payment when I was in the process of asking for assistance for the people who were affected by COVID. I asked for the help in XXXX, everything was online. At the end of XXXX I got a confirmation that they received the assistance application for financial help and that they would contact me in 10 days. After that we have been follow up over the phone contact because there had been no response. They have been asking for documents which we have already sent to them. On the XXXX of XXXX I received a letter from them stating they had received the package where I was looking for assistance and that the packet was completed and they would send me a determination regarding the availability of foreclosure prevention. On the XXXX of XXXX they stated they had reviewed the loan and stated I qualified for the pandemic payment deferral program. When I go see my credit report I have made the last payment in XXXX of 2020. In XXXX I asked for help. I appear on the credit report that in XXXX in XXXX the payment was unknown because I was still waiting for response. In XXXX I received letters but still had no offers on programs and I then started paying in XXXX. In XXXX they are showing that I am over 100 days late but I had not been able to pay since XXXX. I have all the documents showing all this as well. Please note that my wife has reported this same complaint already under tickets XXXX, XXXX, XXXX, XXXX. But since credit report is for each person, I need to also fix my credit score, because the mortgage is under both names, my wife and mine
Consumer complaint received 2021-10-11
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: CITIBANK, N.A. (FL)

Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor Citi Bank with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX has ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA The unverified items listed below remain on my credit report in violation of Federal Law. They were required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly. Which is not true Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I was looking to purchase a second hand XXXX for my girlfriends birthday, and came across many on XXXX XXXX. There were some individuals on there that raised my suspicion of potential fraud, however found a reasonable offer by XXXX XXXX that seemed trustworthy and had already sold an XXXX not long ago. Initially, I was planning on picking up the XXXX is person, but forgot to on saturday which opened the door to another customer. I spoke to XXXX via XXXX on Sunday XXXX and agreed to give a deposit of XXXX to hold the XXXX for me, so that I can pick it up the next day. I was given a rather trustworthy address and his mobile number - XXXX XXXX XXXX, XXXX XXXX, XXXX. I then send the original XXXX deposit to his friends PayPal account ( As his is not working ) ; XXXX and was told that it was received. Then I was asked if i would like to pay for the rest via PayPal to make picking it up easier the next day, and also avoid cash in these covid times, so I agreed. Once I sent it, he went to check with his mate and told me that his mate accidentally refunded the amount and will take 1-3 days for it to come back into my account. I gave it a day and no update on my PayPal, so I got in touch with PayPal and was told there is no visible refund being processed under my account on PayPal, and was advised that the individual has not pressed the refund button. I have now sent the initial XXXX deposit plus XXXX ( Totalling XXXX ), and have not received the XXXX XXXX XXXX XXXX. I am a current student at XXXX XXXX XXXX University XXXX and would very much apprecaite all the help you guys can offer in catching these scammers, robbing people off their money. 

Response from My Bank ( XXXX XXXX ) : The transaction that was made, was successful in reaching its intended destination, As the transaction was made through Paypal friends and family, this is a transfer of the funds to an account held by the individual involved. 
We have no valid chargeback rights to reclaim the funds through XXXX, as the service of transferring the funds was successful. 
Making a transaction of this nature for specific goods/services is made at your own risk.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EnTrust Funding (OR)

I got a mail from Entrust Funding regarding my Refinancing of my home. 

I called them and gave my SSN details, my firstname, last name and Annual pay.

Later i released it's a spam mail. 

I want my all details and information removed from them.
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XXXX This is XXXX XXXX. After trying to apply for loan to take back my residence from XXXX endowments that lured and defrauded my husband to revers mortgage. I cald XXXX  they said dont even bother to apply. Then I complaint to you apparently they decided to take my application the after making me going through 10 days of paperworks even though I have told them I dont have credit score not a good one or a bad one they deny my application due to lack of credit score. Without declaring to me my XXXX $ saving is non interest baring. And now I am getting stupid add to play stock market with XXXX XXXX. What is going on in this place. I am loosing my home because you let XXXX solicit and defraud my husband. Triple tax us then Wells Fargo discriminate us. Then XXXX  my husband and inflict emotional and psychological pain accuse me threaten me refuse my government Id my poa and my passport. Cause us to close our account which caused us financial damages. Now XXXX  doing the same. What is with fraudulent and vicious cycle of abuse and fraud that you dont let me breakthrough I dont know who to turn to why dont you call XXXX endowment with XXXX in their piracy chest to leave me alone. They are at it again they over appraising my residence and trying to defraud me same as my late husband. 
From other front XXXX  deny me loan offering me bogus application to cover their XXXX  XXXX And making. I need some one to tell these thieves I am a woman and a widow trying to stay in my house. And I have to borrow 10 % rate from loan sharks to give to endowments that you bail out and defrauded us once now inflate the price on my residence to defraud me twice while chase and Wells Fargo that again you bail out. Can enjoy skimming my accounts. What is going on. I know they think they are untouchable.No one gives a XXXX about a young widow. But for respect and sake of female members of your family Someone help me i need access to finance stop skimming my account or try to steal my Property. I need national rate financing.
Consumer complaint received 2021-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2022-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CO)

Payment made XX/XX/XXXX for {$1200.00}. System said no payment due until XX/XX/XXXX. Payment system automatically took another payment on XX/XX/XXXX for {$1200.00}. Phone call placed to USBANK to correct this, and I was offered a return check that would arrive in 2 weeks or that the additional payment be applied toward principal. I opted for the XX/XX/XXXX payment be applied toward principal on phone call on XX/XX/XXXX... I still see no reflection of this in the ledger as of today although an agent confirmed over the phone that it was done again properly today XX/XX/XXXX. 

I want all applicable interest returned to my account as a credit. I am being overcharged.
Consumer complaint received 2021-12-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

Hello my name is XXXX XXXX XXXX. Formerly, XXXX XXXX. I have a private loan with Navient set to auto deduct from my XXXX account. I have attempted for over 20 days now to log into my account, to no avail. I just spent over XXXX hours on the phone with Navient on hold, having to repeat my new email address XXXX XXXX  times to customer service agent XXXX, and then to speak with his supervisor XXXX with whom I had to repeat my email address to XXXX. They say that they have an address for me that I can not verify? They also report that they don't have an email address on file for me either. I can not log in to change my banking information and they are trying to autodeduct my payment causing unnecessary overdrafts but will not allow me to login to my account and change my banking information. I type in my social security number, and my dob and they can not verify it. They need to STOP auto debiting my account immediately.