davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
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: EQUIFAX, INC. (RI)

I went to check my report and noticed all these inquiries. I didn't give consent to any of these places to pull my credit. Please have them show me proof that i gave consent. 
1.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2.XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX  XX/XX/XXXX 6.XXXX XXXX XXXX   XX/XX/XXXX 7 . XXXX XXXX/XXXX  XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10.XXXX XXXX  XX/XX/XXXX 11. XXXX XXXX XXXX XXXX   XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX/XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX/XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 19. XXXX/XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX/ XXXX  XX/XX/XXXX 22. XXXX XXXX XXXX . XX/XX/XXXX 23. XXXX XXXX   XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX 25. XXXX/ XXXX XXXX XXXX XXXX   XX/XX/XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXX XX/XX/XXXX 28. XXXX XXXX  XX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX 30.XXXX XXXX XXXX   XX/XX/XXXX 31. XXXX XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XXXX XX/XX/XXXX 33. XXXX XXXX XXXX  XX/XX/XXXX 34. XXXX XXXX XXXX XXXX XX/XX/XXXX 35. XXXX XXXX/ XXXX XXXX XX/XX/XXXX 36. XXXX XXXX XXXX XX/XX/XXXX 37. XXXX XXXX XXXX XX/XX/XXXX 38.XXXX XXXX XXXX XX/XX/XXXX 39. XXXX XXXX   XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXX  XX/XX/XXXX 42. XXXX XXXX XXXX XXXX XX/XX/XXXX 43. XXXX XXXX  XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XXXX XXXX XX/XX/XXXX 46. XXXX XXXX XXXX XX/XX/XXXX 47. XXXX XXXX   XX/XX/XXXX 48. XXXX XXXX XX/XX/XXXX 49. XXXX XXXX XXXX XX/XX/XXXX 50. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-05
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: Affirm Holdings, Inc (FL)

I owned a XXXX treadmill and received a recall notice that indicated I could return the treadmill for child safety reasons for a full refund. The unit was secured from my residence on XX/XX/2021 from XXXX employees. XXXX indicated that I would receive a refund {$5000.00} within 7-10 business days. It is now XX/XX/XXXX and I have only received 50 % of my return via check. I was directed to contact Affirm which processes payments on behalf of XXXX and they indicated that they returned the payment to my credit card. I have indicated to them over the last several months that the payment needed to be returned via check as the credit card associated with this account was closed. They are not able to make this distinction or resolve how to transition a payment from the closed account to make it in the form of a check and send it to me. I have made over 10 calls to Affirm to resolve this issue and has included each time communication with a supervisor who is also unable to finally resolve this issue. Each employee continues to read from a script and is not able to find the appropriate solution which is to simply send me a check representing the remaining balance that is owed as agreed.
Consumer complaint received 2019-05-14
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: EQUIFAX, INC. (RI)

Yes I checked my report and notice some inquiries I didn't authorize.. 
1. XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX/ XXXX XXXX XX/XX/XXXX 5. XXXX/ XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX
Consumer complaint received 2019-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

This morning ( XX/XX/2019 ) at XXXX XXXX I was attempting to purchase concert tickets from a local phone number ( XXXX ) and was sent images of the tickets as claimed. We agreed and negotiated a price of $ XXXX/ticket for 2 tickets. After agreeing, I sent my {$150.00} to the other party at XXXX XXXX through XXXX/Chase as requested and then the other party never sent the ticket transfer. I tried calling and they blocked my number. 

I called Chase because I had never used XXXX before and the service was offered directly by my bank ( making me feel that this was more trustworthy than XXXX or XXXX ).  Spent 40 minutes on the phone with Chase customer service who tried to reclaim the funds. When she was unable to, she admitted that this was a scam and used the words " fraud '' so she transferred me to their claims department. The Chase claims department asked me for the story and then told me in XXXX 's fine print that I should only give money to friends and family and there's nothing that can be done. They then told me to call the person ( number blocked ) or email them to send the money back to me. When i said that's laughable, they told me to call the police because this is a scam. 

I think that since this is the first time I have used XXXX/Chase XXXX that there should be a protection for the transfer of funds. I obviously have learned my lesson ; however, I never would have thought that my bank would not protect my funds. This was just as dangerous as sending cash in the mail! It is a misleading service that Chase provides and should not be trusted. Fairness would to reimburse the {$150.00} to my account.
Consumer complaint received 2021-04-22
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. (GA)

I had a Chase Sapphire credit card for many years. After an experience with poor customer service, I closed that account in XXXX of XXXX. 

In XXXX of XXXX, Chase logged a new charge on the closed card/account and sent me a bill. This was an annual, recurring charge from XXXX XXXX, whose services I had stopped using. I had notified this XXXX that I was no longer using their services XXXX in XXXX of XXXX ), however, they submitted the charge to Chase anyway. 

Chase should not have honored a charge against an account that had been closed for 9 months. Indeed, multiple other vendors who were submitting charges on a monthly and annual basis contacted me to tell me that their charges submitted to Chase in the past 9 months Chase had been declined. Vendors with whom I still wanted to do business were moved to an alternate card. 

I spoke to Chase on the phone and they indicated that their policy was that customers are responsible for charges submitted after cards are closed. I have not agreed to those terms and this policy was not reflected in their interactions with my other vendors in the preceding 9 months. Chase offered to submit a dispute request with XXXX on my behalf. I do not think I am responsible for pursuing a dispute, as I am not bound by the fraudulent policy that they have outlined and which XXXX has taken advantage of.
Consumer complaint received 2021-04-22
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. (FL)

The accounts are not mine. I ask yo to investigate this immediately because I can not get the point that someone used my personal data and now I have to suffer financially because of the error in reporting and because of the fact that these accounts damaged my score!!!! So how should I plan my life financially now? Remove them all please.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (MN)

I have an account with National Bank of Arizona which is a division of XXXX, XXXX. I have {$3400.00} in the account and they deactivated my online banking and debit card because it had reached a {$0.00} balance for a little while. I was visiting in Texas and they told me they have a sister branch in XXXX XXXX, Texas called XXXX XXXX I informed them over the phone I had an expired license and a yellow slip of paper from the XXXX that was stamped by the XXXX showing the issue date and proof of new licensure because it takes them a month to send me a new license. The national bank of arizona supervisor called the XXXX XXXX in XXXX XXXX and told me they would be able to give me my money if I brought those documents over to the bank. I drove 60+ miles to XXXX XXXXXXXX and brought my expired license, my proof of new drivers licensure paperwork, my certificate of live birth, my social security card and my school ID and they informed me they would not be disbursing any funds to me because their policy states I need to have a hard copy of my drivers license. 

I called the online banking service later and informed them of what happened and they activated my online banking for me after I was able to fill in the security questions. Then I added an external bank account to the system and then they deactivated my online banking without explanation. They then demanded I give them a phone number to verify my identity, so I did, and they said that phone number I gave was n't going to be verified and their " system '' listed 2 phone numbers that I never even heard of and one phone number that was super old that I did n't even have anymore, to verify me. 

Basically they are refusing to give me the money that is in my account until I show up at their bank account in XXXX XXXX with a hard copy of my new drivers license, which can take over a month to receive, even though they promised me over the phone I would be able to make a withdrawl and get my online banking activated again.
Consumer complaint received 2020-10-08
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. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT AND DO NOT BELONG TO ME THESE ACCOUNTS WAS OPEN FRAUDULENTLY SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THEM I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the XXXX  XXXX  and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (TX)

On XX/XX/XXXX, my Simple accounts were automatically converted to a BBVA checking account and savings account due to the acquisition. On XX/XX/XXXX, I decided to transfer the remaining funds of the checking account ( {$5000.00} ) via ACH and close the account. I also closed the savings account and no transfer was needed because it had a balance of {$0.00}. I received an email on XX/XX/XXXX from BBVAs fraud department asking for verification asking me to call within 3 days. I called on XX/XX/XXXX to verify the transfer so the funds could be released. 

When I had not seen anything appear in my XXXX XXXX account which is where I sent the BBVA transfer to, I called XXXX XXXX and verified the routing information. They did not have the funds and directed me back to BBVA. After speaking with BBVA on XX/XX/XXXX for over an hour, they tried to say it was XXXX XXXX responsibility and that the transfer was successful. I asked for verification of this and they said they couldnt provide it to me. In a letter dated XX/XX/XXXX sent to my old mailing address, BBVA stated they were unable to locate the account and was provided a return settlement account number : XXXX. This means that when I called about my transfer and they said it was successful they were either misinformed or lying. I received a ticket number from BBVA when I called again to let them know I received the letter stating the transfer had not completed and we had a conference call with XXXX XXXX to again validate that BBVA is responsible for this issue. I received a ticket number : XXXX and was told I would be getting an update in a few days. The last I heard from BBVA was on XX/XX/XXXX and it has now been a full week with no reimbursement of funds or a written letter stating the status of this case as I had requested. For over a month, BBVA has lost {$5000.00} and has provided no resolution.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXX is a fraudulent credit card account that was opening in my name back on XX/XX/XXXX of XXXX. This card was one of 5 that were opened in my name. I immediately went to the police station and got a police report and sent it to the credit card companies explaining that it was removed. All of the companies removed the information except XXXX. They made outlandish requests asking me to get additional police reports, and I did. For the past 5 years I have been continuously submitted disputes for the information, getting it denied, and then reopening. I have provided police reports, letters, and more. Finally in XXXX of XXXX I get the information removed from my credit report and my score goes up. The very next month it is added back. I then receive a letter saying XXXX has provided information proving that the account belongs to me. I contacted both equifax ans XXXX to see what information was provided but no one could give me an answer. I also brought up the fact that they are supposed to give me 5 days notice before reinserting anything back onto my credit report, and that wasnt done. Now they want me to get a 3rd police report asking them to not add it back, this is ridiculous. I feel like theyre running a scam and in no way see that Ive done my due diligence to get this removed. All my other accounts are in good standing. I want to buy a house, but nothing can be done with this false information reinserted on my credit file.
Consumer complaint received 2019-05-14
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. (GA)

Equifax is reporting incorrectly that I am 120 days past due on the XXXXXXXX XXXX partial account number XXXX. This account has been paid off. The status and coding of this account needs to be changed. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — Store credit 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 (DE)

On XX/XX/2021 I purchased a XXXX refrigerator in the amount of {$2600.00}. It was delivered damaged. Lowes was advised of the damages and assured me that they would replace ASAP. This did not occur. Multiple occurrences of delivery dates were given, but when the date to deliver came, no refrigerator. Due to this, I disputed the credit card ( SYNCHRONY BANK/LOWES ) charge. I was notified that my dispute was not resolved in my favor as Lowes provided a statement that disputed item has been replaced/repaired by the store. This was false and I advised SYNCHRONY BANK of this. They stated they would review the dispute and notify me of the results. They did not reopen or review. They did however, place a note on my credit report that resulted in lowering my credit score by 32 points. This has caused and continues to cause me harm.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

CitiBank has denied a credit card application. Repeatedly ; CitiBank has falsely accused me of having filed bankruptcy 26 years ago and having unpaid accounts to CitiBank! I have neither filed bankruptcy nor have any unpaid CitiBank accounts, ever! In fact ; I have a CitiBank Costco Visa and A Sears CitiBank Master Card. Currently ; I have been approved for a house purchase and have over a dozen credit cards for the purpose of making around {$4000.00} in rewards! CitiBank has sent me two letters and have had two heated conversations with CitiBank so called Executive XXXX XXXX and is adamant that her false records are mine! In fact ; she expects me to do her job and investigate what she is talking about. However ; she fails to provide any detail information, other than hear say. Yet ; she uses such information to tell me that I have bad records! It seems to me that XXXX is discriminating on me and also thinks she know more about me than me. In addition ; I have 100 % record of making payments on time and have a score rated as excellent, XXXX!
Consumer complaint received 2021-03-25
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. (NV)

I asked Equifax to block information related to ID Theft. I supplied the police reports and the information needed to do this. They replied that " We have verified the information belongs to you ''. I asked Equifax for how they did this. They stated " Well the creditor stated it was your account ''. I told them it was not and had the police report. They then stated " We just do what the creditors tell us. They state it is yours then we report it. If you disagree then take it up with the creditor not us, we just report the information ''. At this point they refuse to do anything further. This is the from my dispute on XX/XX/2021.
Consumer complaint received 2021-03-25
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: CBC Companies, Inc. (CA)

I have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AL)

I purchased a set of headlights from a gentleman in XXXX for {$4800.00} on XX/XX/2020, using my XXXX credit card through Paypal. When the lights arrived, one was damaged. I was unable to receive compensation for the damage from the seller, so I disputed half of the amount with XXXX. I was awarded the disputed half at {$2400.00} ; however, the remaining {$2400.00} ( the full payment balance ) was also pulled from the vendor by Paypal and never returned to either the vendor nor myself. I have contacted XXXX and Paypal at length, and have been told repeatedly by XXXX that only half was disputed the half and they have no control over the other half, and by Paypal that the full amount was pulled from the vendor and returned to XXXX. XXXX needs to work with Paypal to determine where that other half of the money is, because as of right now, 9 months later, neither party has that {$2400.00}
Consumer complaint received 2021-03-25
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: Credit Plus Inc (UT)

Was cold called from a companyUnknown XXXX, asking if I was looking to refinance. I advised that there was a specific circumstance that I needed to raise my FICO before I proceeded. Was transferred to a lenderwhere they asked me for my information so they could see if I could be possibly pre-approved, I advised I did not want any activity on my credit report because I am working on raising my FICO before I can do anything. The gentleman at the company asked me to verify my DOB and SSN and told me I was not pre approved approved and hung up. That same day I was hit with a hard Inquiry from CReDIT Plus and I havent heard from them since. Deceptive, sounds like they were fishing for an account and when they saw they couldnt help they just hung up. No follow through no anything. I dont even remember the gentlemans name.
Consumer complaint received 2019-05-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

To whom it may concern, I would like to make a complaint against Navient. I've had an on going problem with Navient for several years with harassment and continued threatening phone calls at work, home and on my cell phone, I asked Navient not to call me a work, on several occasions. I am getting a least 25 phone calls per week from Navient, which I have recorded or saved, as of XX/XX/2019 I received calls form Navient at my job, too many times, calls from a XXXX, XXXX several others, from these numbers of XXXX, also from this number of XXXX. My job records all incoming calls and Navient is trying to get me fired from my job. I ask Navient several times to stop calling me on my job, Navient response is always the same, there's no note on your file, saying Do Not Call Job. I also given Navient the address and contact information of both Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX phone number XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, phone number XXXX whom both are Employed and can pay their student loans. Navient has destroyed my Credit, I had a credit score of almost 800, before Navient intentionally forced a default on this loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX- File # XXXX and XXXX XXXX XXXX -File # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, if I end up losing my Job because of Navient, I have many on going Health issues, and the Harassment from Navient is causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Consumer complaint received 2019-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

The loans provided by this provider are predatory in nature and take advantage of low income households. Their loans are outrageously expensive. A {$700.00} installment loan paid back on time over the course of 6 months will cost {$2800.00}. How is an APR this high allowed by law. Or is it even allowed? It is not clearly stated in their advertisement for loan services. Make of it what you will.