davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, I the Consumer in good faith exercised my right with the financial institution Chase to extend and receive credit and was XXXX against. 

I received an adverse action letter on or around that day and took action to protect my rights on XX/XX/2022 and called to inform them and they claimed they could not do anything about this matter. 

They also proceeded to tell my about Chase 's policy when I informed them that they were breaking the law. The next day on XX/XX/2022 I responded with my own letter in the mail. 

I have a fourth amendment right to privacy and pursuant to 15 U.S.C 1691 it shall be unlawful for any creditor to XXXX  against any applicant, with respect to any aspect of a credit transaction. 

Chase willfully ignored my request and haven't made any steps to resolve this matter as of yet.
Consumer complaint received 2021-05-04
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 (OH)

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity.

IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 


My email is XXXX XXXX
Consumer complaint received 2022-09-20
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: EQUIFAX, INC. (PA)

I have sent several letters to the credit bureaus in regards to this matter and have received no response. There is fraud showing on my current credit report and it needs to be removed immediately. 1 loan account listed as XXXX  and a XXXXXXXX XXXX  credit card with a {$26000.00} balance. I have attached my FTC report, listing the accounts as well. Please removed immediately!
Consumer complaint received 2023-01-12
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. (PA)

tried disputing/fixing with the company directly numerous times.

never had any consent/permissible purpose to furnish accounts ( 15 use 1681b ).

violation of my right to privacy.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America opened a savings account in my name without my verification. 
Between the hours of XXXX and XXXX on XXXX I received 3 emails from BofA. 
The first asking for verification of email, which has never been clicked on/verified. 
The second giving me a confirmation number and acknowledging, " We have received your application for the following product ( s ) : Bank of America XXXX XXXX Banking Account '' And the last, " Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : XXXX '' I'm well aware of the possibility of outside fraud. Which is why I use a password manager and have a 63 character password for my email, XXXX ( only sms when app is not supported ) and am very aware about online security. 
The issue at large is quite easily, assuming some exceptionally ignorant " bad '' guy who was clever enough to scrape/purchase my ssn # from the " dark '' web was then too incompetent to NOT use my real email address. A large and ridiculous assumption based on the email address being so arbitrary to the account creation process. 
Why would account creation complete without my verification ( first email )? 
Adding a moment of possible coincidence, my brother had had a conversation earlier the SAME day about a small business loan. My name was part of that conversation since I may be purchasing his small business from him. And therefore I would be the one actually applying for the loan. To reinforce, I had had no contact with BofA or account ( s ) previously. Too much coincidence for my taste as well as too easy a mistake for outside fraud. I'm confident the XXXX XXXX, et al., shenanigans are not unique. 
I am currently waiting on the forensics of their investigation, whatever that may be worth. 
Thanks for reading my account ( no pun intended ), have a great day. 
Please find attached 3 .pdfs of the mentioned emails.
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

I believe the servicer is intentionally creating obstacles to try and get me to fall into default. Ultimately they want to steal my property. 

The servicer Fay Servicing requires me to reset my password almost every other month when I log in to try and pay my loan. They also have rather ridiculous rules for that password, and do not allow me to reuse any from the past. I am a mature individual who can sometimes have some memory concerns. I contacted the servicer to request an exception be made for my account ( I know this is possible ) they said that was not their policy. I requested to speak with a manager who again reiterated that was the policy and if I had trouble remembering I could always " write down the password ''. 
Other industries when a customer does not like the business policy they can do business with someone else. I no longer wish to do business with this servicer who will continue to place unfair and abusive ( to elderly, memory impaired ) customers, which they suggested that I could always " just refinance '' the loan to do business with a more consumer friendly company. I think that this is just another attempt ( by locking me out of my account ) to cause my loan to go into default, which is where a servicer can really make a nice profit off the default fees. 
There should be no problem in allowing me to either a. reuse a password, or b. set an exception to my account where this password does not change every other time I go to pay online. Perhaps a note from a government regulator may suggest revisiting their policy.
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/XXXX through XX/XX/XXXX I had numerous transactions adding money from my chime added to my cash app.within a minute of it being added my funds would be gone and cash app I canceled my card which I still don't have so it's impossible I made any transactionskeeps saying it's because transactions I made within XX/XX/XXXX to XX/XX/XXXX that I did not have funds and they covered it and that this happened because of their glitch so all the money they took is legit.but no it's not I added over XXXX on my cash app each day in question I had the funds.when I call cash app they say a manager will email and all that is is a auto generated email saying the funds taken reflect the right amount and each time you call they tell you there aware of a new glitch.its been 3 glitches since this has happened that was my rent money my tithes my utilities everything
Consumer complaint received 2020-09-09
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. (PA)

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX ( XXXX ) XXXX Made an accounting error XXXX XXXX on my car loan. This was a payroll deduction from XXXX XXXX, XXXX PA that was applied to my savings account instead of servicing the car loan. The accounting error showed my payment over 30 days late. I was unaware if this until 2 weeks ago and my credit score dropped 112 points. I called XXXX XXXX XXXX and they removed the derogatory past 30 days from my account. I had also paid of my car loan early on XX/XX/2020. I had reported this problem to Experian that the credit report was wrong and I was disputing the derogatory on a late payment. Experian in mails said they would investigate. I received an email yesterday saying the investigation was complete and the derogatory was accurate. This morning I called XXXX and they assured me they had removed the derogatory last week and admitted they made the mistake. Had Experian really done an investigation they would have seen this was an error and was corrected by XXXX in XXXX, PA. My next step will be to file a formal Complaint with the PA State Attorney Generals Office and Consumer Protection Agency and the Federal Trade Commission against Experian and any other credit agencies showing a derogatory on my XXXX account. Thus has done harm to my credit in good standing and put me in a precarious spot if I need a loan in the future.
Consumer complaint received 2020-08-27
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. (NC)

I am in the process of getting a mortgage. 
I disputed the accuracy of a XXXX XXXX account that has been closed since 2016, but Experian was reporting it as open. 
XXXX XXXX has submitted the correct information regarding the date the account was closed, but Experian logged it in as a recently closed account which dropped my score 26 points. This account is not recently closed. It has been closed since 2016. XXXX XXXX provided that information. Now I have to redispute this account and wait another 30 days? I dont have that kind of time. This is Experians error and they need to fix it. I contacted Experian to request a supervisor, its been 3 days and no return call.
Consumer complaint received 2024-12-02
Product: Credit 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: CITIBANK, N.A. (NC)

I was charged for international charges in XXXX that I did not make. I requested that the issue be resolved. They did not resolve the issue. Despite the account being closed, they keep charging me for charges I did not make on a card I never even activated once again for charges in XXXX. Please reverse all charges please mark the account as paid in full. Please reverse all fees associated with the Fraudulent charges. This letter will also serve as an official cease and desist for your continued harassment to pay for fraud and associated late fees/ charges etc... I will not pay for charges on this account. you are not not contact me any more through citi group or any third party agent.
Consumer complaint received 2024-11-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (AZ)

https : //app.lendumo.com/verification/success I thought i would pay regular in terest hey are chargin over 500 % interest like {$9000.00} to get {$2200.00} please click on attached url above To save money on your loan, you can pay off your balance early or make extra payments toward your principal by logging in to your account at https : //lendumo.com/ or by calling us 24/7 at XXXX. Please note that it may take up to three days for your payment to process.If you want to pay off your balance in full on your first scheduled payment date of XX/XX/year>2024, the total amount will be {$2900.00}. There are no penalty fees for early payoffs.If you do not make extra payments and/or pay your loan early, the total cost of your loan will be {$9300.00}. 

Your funds will be transferred to your bank on XX/XX/scrub>/2024. Please keep in mind that banks have different policies determining when transferred funds can be released to their customers. 


Your first payment is due on XX/XX/year>2024. On that date, we will automatically withdraw your regular payment of {$770.00}. 
never agreed to this
Consumer complaint received 2021-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

Three accounts total with original hospital XXXX XXXX which should have been included in financial assistance application. It's been erroneously closed out. Permission was never provided to share medical information which is a direct violation of HIPAA. Accounts should not be shared with current collector nor reported by them.
Consumer complaint received 2020-09-09
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. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

I saw on my credit report a collection line item for roughly {$120.00} with Medical Data Systems of XXXX XXXX, FL. I contacted them in XX/XX/2020 in an attempt to clear this from my credit report. I paid what I was told was owed ... .roughly {$120.00} My credit report then showed a new {$9.00} balance with them. I called again to pay this {$9.00} balance and was told there was a new balance of {$27.00}. When I disputed both the {$9.00} charge and the {$27.00}, I was told that they may not have received the debt the last time I called and that is why I was not notified of the debt. I said I wanted to clear the {$9.00} line item from my credit report. 

The representative advised that I would need to pay the debt and send a copy of my end of month credit card statement to Medical Data Systems in order to receive a XXXX balance letter. The doctors that reported this debt, I had not seen in 2 years ... it made no sense why my balance with Medical Data Systems would increase over the period of one month. Also, I do not understand why a receipt of payment is not forthcoming.
Consumer complaint received 2020-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Sent Validation of debt letter in XX/XX/2020 and hadn't received a reply from bureau. Multiple inaccuracies on credit report that need to be fixed. Utility Bill and ID also sent out with Validation of debt letter.
Consumer complaint received 2021-05-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (NY)

The company or scammers were reaching out and calling my family members to get a hold of me to pay a supposed debt for a shopping network of {$19.00} dollars in The month of XX/XX/2021. When I called the XXXX XXXX they told me that They do not work with that " debt company '' and had never heard of them. The " debt company '' has called me repeatedly and leaving odd messages even after I specified to them that I wanted a written notice of debt owed. Almost into the XXXX week of my last actual conversation with them and they have not mailed anything but they still keep calling me and leaving odd messages.
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (FL)

My cousin XXXX XXXX XXXX SS # XXXX ) passed away on XX/XX/XXXX ; I am the executor of her estate. Since that time I have been closing her accounts with various financial institutions. One of those institutions is Truist Bank. After several unsuccessful attempts to conclude her affairs with the bank in two different branch offices on XX/XX/XXXX, I submitted written documentation as directed to : Truist Bank Account Closure Exception Mail Code XXXX XXXX  XXXX XXXX XXXX FL XXXX As directed I submitted a copy of her Certificate of Death a Letter of Administration issued by the State Court of MD authorizing me to conduct this transaction a copy of my drivers license My submission went unanswered for more than a month! Since then I have been speaking repeatedly with Truist Bank representatives in an effort to close her accounts without success. I have received several reasons for the lack of progress none of which are satisfactory. Because I have been doing this for two years I am very familiar with this process but for some reason Truist Bank has failed to respond to my request in a timely manner. 

I most recently spoke with Truist Bank representatives today XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (NY)

I opened a XXXX account with 3 phone numbers. Unbeknownst to me, a fourth number was added to the account. ( I learned later that the XXXX agent made additional commission from this added number ). I closed the account after a year and half, in person, paid the amount that I was informed was owed and left. Collection notices began several weeks later. I returned to the XXXX branch and discovered that they had not closed the account completely, but left the fourth, unused number active. when I informed them that not only did I not request a fourth number, that I had no knowledge of a fourth number and one could see that the fourth number had never been used, they assured me they would " take care of it ''. Collection notices continued and I attempted to explain but to no avail. I received this collection notice for {$160.00} today. 
The reason I never saw the fourth number was that the bills were on autopay.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 ; I received a letter from Bank of America regarding my boat loan Account number : XXXX, stating it was " Past Due ''. I had previously and timely contacted Bank of America on 2 occasions and had been approved for an intial 2 month deferal and and later an additional 2 month deferral due to Covid 19 ( 4 months total ). The representative explained on XX/XX/2020 that due to an error in their system, the second " 2 month '' request was not processed and she would take care of it on XX/XX/2020. I explained concerns about my credit report being affected due to their error, offered to pay the outstanding balance, and she said there would be no problem since it was the last day of the month and they do not report late payments until the next day. The representative processed the deferment and I set up autopay to resume payments on XX/XX/2020. A few days later, I was notified that my credit score had dropped due to Bank of America reporting my account as " late 30 days ''. I called B of A and spoke with XXXX XXXX, Escalations Manager. She found that the second deferment request was not processed at all, had no evidence of it in her system and was unwilling to remove the negative reporting on my account, despite of the mistake made by B of A. I told her I would get her a copy of my cell phone records to show evidence of my phone call a couple of months before and she rejected my offer. I explained that their error was affecting my ability to buy a home and I was going to lose thousands of dollars in a deposit I had made due to my credit score dropping over 50 points due to their error. She said I was going to be contacted by another manager, and they never called me.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OR)

I opened a target XXXX XXXX  in XX/XX/2021. The card had a balance of XXXX which I paid using my checking account at XXXX. The payment got returned and target stated that the account information was incorrect. I worked for XXXX for over 9 years and know for a fact that the information was correct. After confirming that I had the correct information I used the online pay tool again. That second payment came back and target closed my card. I became upset and paid XXXX the balance on XXXX XXXXAfter letting target know i will not be paying the late fee or interest due to the issue being on their processing side they continue to harass me and add late fees/interests to my closed account. They are reporting me delinquent and that is affecting my XXXX XXXX. I have filed a XXXX  complaint with out resolve of the issue.