davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, a payment was made to me from XXXX XXXX from his son XXXX XXXX, for a service of receiving a discounted apple gift card ( from my associate discount ). On XX/XX/XXXX i received a call from a XXXX number stating it was someone from chase asking about a payment of {$200.00} i received XXXX. At the moment i was driving on the highway and explained i could not speak at the time because it was hard to pull over on the highway and told them to call me back. The women called back and left a message saying " Hi this is XXXX calling from Chase Bank this message is for XXXX XXXX, I'm calling in regards to the inquiry that we received it's important that we speak with you for your convenience we're available Monday through Friday XXXX to XXXX and then also on Saturday from XXXX to XXXX please return our call at XXXX option XXXX or to the chase customer service number. '' They never mentioned anything else, i called and was on the line for over 2 hours, when finally getting a supervisor on the line she told me my " ENTIRE '' account was Frozen due to XXXX XXXX reporting it was a fraud charge to my account for the {$200.00}. Chase Froze my account as they claim they were investigating although giving me limited details because they claim they had limited access. I am highly upset and disappointed as a Chase long time customer and a perfect standing customer! The sender received a service and then filed a claim back on account to get their money, no one ever even spoke to me to get any details, then suggested i contact the sender to get my money back ( does that sound rational or logical ). The attitude is they didn't care and never spoke to me, just took the word of someone filing a claim for a measly {$200.00}, when i keep thousands in my account which now i won't. On the XXXX i logged in to my account to see that Chase refunded the {$200.00} XXXX, again i was not even notified that this so called investigation was complete and again no one reached out to me but, in turn, i reached out to them, once again, they have little information to give me but took my money out my ACCOUNT WHILE ALSO FREEZING MY FUNDS WITHOUT SPEAKING TO ME, HIGHLY DISAPPOINTED AND WANT MY {$200.00} BACK.
Consumer complaint received 2022-08-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-19
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 (AR)

I opened up a PayPal account years ago never had a problem until About 2 years ago It's a fully verified account I meand I have been fully verified through PayPalLike I said really don't know why they won't release my money. At 1st I was told to wait for the email after the 180 days And usually and I would be able to withdraw all my funds then I waited and I waited and I waited no email ever came in the beginning the representatives did all they could they tried to withdraw they tried to move it wouldn't happen So then I started complaining to their dispute person And I ended up receiving letter stating that PayPal was never going to release my money. Their company is nothing but a scam Come to find out that is how PayPal makes its money is by putting ahold on people 's accounts and then Gambling with that money we're investing it. So anyway they can't just keep my money And this should be posted people need to be aware of what a scam PayPal is Because from what I've heard they have changed their fine print in it basically States in their contracts if they can keep their money people need to be aware of this PayPal does not make money Anyway but putting ahold on your accoand then gambling with your money. They have {$2100.00} of mine I want it all back. On XX/XX/XXXX and XX/XX/XXXX of XXXX Have received payments from 2 of my clients for work that I had done I transferred XXXX out to my debit card let 's see othere are XXXX in there And it wasn't shortly after that that they limited my account and then permanently locked it and I was told after a 180 days I could get it out that never happened then I was sent a letter stating that they were never going to give me my money back The account is under XXXX XXXX
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I keep complaining to equifax they wont remove hard inquires that that was listed on the identical theft thee are hard inquiries from. XXXX that are not consensual and. I need to get paid {$1000.00} for removing them after 4 complaints
Consumer complaint received 2020-01-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (LA)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$750.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$720.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX   ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses asis. 

Thank You Sincerely yours,
Consumer complaint received 2022-01-26
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management based out of XXXX XXXX, CA. called me today attempting to collect a debt that was charged off in 2008 from XXXX XXXX. I understand that the statute of limitations is 4 years which XXXX XXXX of Midland Credit acknowledged they were, in fact, attempting to do.
He did offer to take me off the contact list but here is my concern. If the law states that they are not to make an attempt to collect the debt, who else are they calling beyond the statute of limitations that are unaware of this?
As a victim of the banking industry fall out, I was laid off, lost my home due to foreclosure as once I did obtain work I did not qualify for a reorganization of my loan as I was not upside down and retained equity on the property, hence the foreclosure which the bank was able to recover the entire balance of my loan. The years to credit recovery are long and I have not yet fully recovered and my situation I can say is likely better than most. Who else are the credit agencies contacting? This is a normal practice for them and citizens should be protected.
Consumer complaint received 2022-11-19
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: SYNCHRONY FINANCIAL (ID)

On XX/XX/XXXX I purchased an item on XXXX for XXXX. 5 days later on XX/XX/XXXX I recieved an empty box from the seller. I tried to contact the seller via phone numerous times but no one anwsered. Realizing I had been scammed I disputed the charge. Venmo credit originally credited my card for the fradulent charge. Today I log into my account and as of XX/XX/XXXX I again have a rebill for the XXXX. Venmo did not communicate with me at all about why they charged me again, or why they feel I need to be held responsable for fraud. Venmo is obviously not investigating this scam in good faith, communicating with me on action with my account and as a result not protecting me as a customer from fraud.
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IN)

This issue is regarding Midland Funding. This experience on account # XXXX has been a great when dealing with XXXX XXXX. She accepted my settlement on the amount of {$520.00} for {$230.00}. Our communication at that time was respectful and rewarding.
However, with dealing with all the other representative after the payment has been made has been less that satisfactory. They are demeaning and refuse to send me the requested satisfaction letter.
I need the CFPB assistance with getting my satisfaction letter and to have Midland Funding update my credit report to reflect a XXXX balance.
As a customer I expect the same respect that was given to them.
Consumer complaint received 2022-11-19
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 — Their investigation did not fix an error on your report
Company: The Bureaus, Inc. (LA)

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : The Bureaus INC, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE BUREAUS INC Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (DE)

I received a copy of my credit report issued XX/XX/XXXXand it shows an adverse collections account from Midwest Recovery Systems which was placed for collection onXX/XX/XXXX for XXXX XXXX XXXX. Before I left XXXX in XX/XX/XXXX, I Paid my bill at XXXX XXXX and closed the Account. I have been living in XXXX  for ten years now and have no idea how or why they would have a bill in my name. I spoke with someone at XXXX XXXX and was told they have no record of me. XXXX, at Midwest Recovery told me that a payment was made on the bill inXX/XX/XXXX and that I could just pay the {$910.00} and clear my record. Since this was not my bill and I had no idea who made the payment, I refused. I believe a notice of fraud was placed on the account but this account should be removed from my record as soon as possible and should not be put back on by the next company the account is sold to. I would appreciate any assistance you can give in this matter as my record has been tainted because of this. Thank you.
Consumer complaint received 2022-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NJ)

To whom it may concern : I took out a signature XXXX  loan for {$40000.00} from XXXX XXXX back in XX/XX/XXXX, with my father as a co-signer. By the time I was scheduled for my 1st payment in XX/XX/XXXX, my loan had already accumulated $ XXXX in capital interest. I made $ 100 monthly payments for approximately a year when I noticed an additional $ XXXX was added in capital interest. When I contacted XXXX XXXX, they stated I needed to increase my monthly payment amounts to $ XXXX to resolve this issue. In XX/XX/XXXX, my account was transferred to Navient for {$48000.00}, despite having paid over $ XXXX+towards my loan. I then continued making monthly payments of $ XXXX and have paid over $ XXXX and my current balance remains $ XXXX. During that time, I requested to have my father removed as a co-signer and was not explained the proper process, nor was I given any options to resolve my ongoing issues. Most recently, in XX/XX/XXXX, I was denied again because of some credit issue that I couldnt understand. 
Then finally I started hearing about settlements and loan forgiveness that were available to those that were Navient and XXXX XXXX I contacted Navient, along with various other places to see if I qualified. I kept being pushed from one company to another and then was told to wait for a postcard in the mail to tell me if I qualified. I never received the postcard, nor was it ever confirmed that I qualified for a settlement or loan forgiveness. 
I am looking to find someone that can provide me with guidance on finally ending this horror. I have spent over a decade making loan payments and still owe the same amount. I dont know if I qualify for any program or grant or forgiveness or if there is any solution that can possibly help me move forward. Please provide me with any help that is accessible to you. Please help those like me get out of this horrible mess. 
Sincerely XXXX XXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED OF THIS LATE BEING INACCURATE BUT FOR SOME REASON THE CREDIT REPORTING AGENCIES SUCH AS EXPERIAN AND XXXX DO NOT REMOVE THIS INACCURACY PLEASE HELP ME TO HAVE THIS CORRECTED THANK YOU
Consumer complaint received 2022-11-19
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: WELLS FARGO & COMPANY (CA)

I lost my physical " XXXX  '' credit card with Wells Fargo ( WF ) in early XXXX. I rarely used the physical card because it was registered with XXXX XXXX. 

I received a notification of possible fraud from WF about {$300.00} spent at a XXXX in XXXX XXXX. I have been to XXXX  several times, but only nearby ones ( XXXX  XXXX  and XXXX XXXX )- why would I go to a XXXX  in XXXX XXXX when there is a XXXX  right next to my house? Also, I don't believe I would do big purchases at XXXX ; I use XXXX and XXXX which has rewards and better prices. 

I called WF about the fraudulent charge. I said that my card was probably lost but I wasn't exactly sure. I had just gotten back from a vacation in XXXX and was still unpacking and short on rest, so I couldn't say definitively. WF gave some unclear response about sending a new card and reversing the charge. But it didn't turn up anywhere in the weeks after that- it was lost. 

I assumed they would be sending me a new card. But for a while I didn't check my mail because I came down with XXXX, and afterwards I sort of forgot since I rarely used the physical card and assumed that the fraud charge was reversed ( it had been, temporarily, then ) I assume they didn't send me a new card because I was still using the card through XXXX  XXXX  and for rent rewards points. But I didn't have the physical card and it turned out they were not intending on sending a replacement for the lost physical card. 

Now I see the fraudulent {$300.00} has been added back to my balance. I contacted them about receiving a new physical card, and they will send one, but it seems like they will be dragging their feet in resolving this claim and having me waste my {$300.00}.
Consumer complaint received 2022-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I was in contact with Mohela to discuss my loan consolidation. They explained that the loan repayment is higher due to interest added to the consolidation. I asked if I could cancel the consolidation. The representative stated yes she could and that it would need to go for approval. I asked if they could send the information to me via postal service. They sent me the consolidation letter again, stating my repayment date is in XXXX. When Biden stated the repayment will begin in XX/XX/2022. They are trying to ruin my credit and I no longer want to be in the loan consolidation program. They did not follow through on their promise. Mohels acted fraudulently.
Consumer complaint received 2022-01-26
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. (CA)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

I RECENTLY TRIED TO BUY CAR FROM XXXX, I AUTORIZED THEM TO PULL THEM AND CAPITAL ONE AUTO FINANCE TO PULL MY CREDIT REPORTS, WE DROV TWO HOURS TO PICK UP CAR AND WAS TOLD CAPITAL ONE DENIED MY LOAN. I HAVE 6 CREDIT PULLS FROM CAPITAL ONE AND 1 FROM XXXX. THEY ALSO, PULLED 11 OTHERS.ESPECIALLY OMN MY XXXX.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

Good evening I hope you're well! I called the company and spoke to them for about an hour they suggested I to send an FTC report which I did. This happened on XXXX/XXXX/22. I am waiting for a response to see what can be done.
Consumer complaint received 2022-01-26
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. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STERLING JEWELERS, INC. (NC)

I was never given a letter or email stating I owed anything to this company. I dont know what the debt is for other than Kay Jewelers XXXX No notifications of what was bought or anything. I have no knowledge of this account.