davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andrews & Cox, P.C. (IN)

XXXX XXXX XXXX a financial institution has violated the following U.S codes U.S.C 15 U.S. Code 6801 - 6809 and did not adhere to the FDCPA ( Fair Debt Collection Practices Act ) guidelines. 
by providing my personal and private information to a third party debt collector Bleecker Brodey & Andrews who has filed suit against me in the county I reside without providing me a validation of debt per my request, intentionally providing false, deceptive documents to the XXXX County courts in order to legally obtain a judgment against me for a debt that has not been established as my own and differing amounts requested to resolve the debt. I have received a document requesting an amount with the addition of {$190.00} USD in filing fees which does not coincide with the balance stated to be owed after speaking with the agency which contacted me, I have been unable to receive any documentation/ paperwork from the third-party debt collector XXXX XXXX is using, the accounts listed in the court summons I have received are not that of my own. As of XX/XX/2021 I have still not received any literature from my validation of debt request and have since disputed the alleged balance owed.
Consumer complaint received 2024-03-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (PA)

I'm submitting this complaint in reference to Southwest Credit System knowingly inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand the account be deleted off of my credit report immediately. Southwest Reported the account back in XX/XX/XXXX with a different account number, I summited a complaint. No response. In XX/XX/XXXX, and Southwest rep stated the account was no longer in their possession and removed the account. On XX/XX/XXXX the account was added back with a new account number which is considered false information and a violation to my consumer rights.
Consumer complaint received 2024-03-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (IL)

On XX/XX/15, after having a separate issue with a delayed payment processing service from US bank, I noticed that they opened a new CD after the old one matured without my consent. Furthermore, they used an extremely low rate of ..05 % when rates are at 4,75 % and then told me I had to pay a penalty if I tried to cancel it. I was not told what the penalty amounts were but I can expect them to be ridiculously high based on this deceptive practice. My discovery of this deceptive practice was less than 30 days of of the original ending. I received no notice of this practice. WHat gives them the right to automatically reopen and lock in a rate I never approved of? Can this even be legal? I want my money released from this CD immediately with no penalties. I never wanted it nor asked for it, nor did I approve it Please help. Thank you. 
Best, XXXX
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (DE)

On XX/XX/XXXX, I saw a sofa for sale on XXXX that appeared to be on sale from someone living in close to XXXXXXXX XXXX. They said they could deliver it for a {$50.00} deposit. I sent the money through XXXX using my checking account to who I thought was the woman 's husband. I couldn't remember the guy 's las name so I out the contact as XXXX. She said they needed another {$50.00}. I corrected the last name and then the payment didn't work, so I used XXXX. I contacted them again on XX/XX/XXXX to make sure they were going to deliver the sofa, but the lady left the XXXX conversation. I worried I had been scammed, so I immediately contacted TD Bank and XXXX. I filed a dispute with both. I also set up a fake account and I contacted the woman again and sure enough, she tried to sell me the same sofa again, complete with new numbers and names to send the money to. 

I called the XXXX Police Department on that Monday to file a police report, but they never called me back like they said we would. XXXX stopped the payment to the scammers and gave me my money back. I never heard back from TD Bank so on XX/XX/year>, I went to a TD Bank and spoke to Store XXXX XXXX XXXX. She couldn't find the complaint at first, but told me it had been denied. I complained that the bank had asked for no documentation from me and that I was a victim of a crime! I gave her all of the documentation and she told me that she was sure the documentation would make the difference. 

However, I have still not heard anything from the bank and I still have not had the money put back into my account! I called XXXX and they put me on hold for XXXX minutes because they could not find my dispute AGAIN and I had to get off the phone because I had to go to work. I called the store and they would not even try to look it up. XXXX, I reported the XXXX  post and XXXX said the post was not breaking any rules by using its site to scam people. I feel let down on virtually every level.
Consumer complaint received 2020-09-23
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)

To whom it may concern : On XXXX XXXX, I sent a certified letter to Equifax. The letter outlined how these accounts were reporting wrong. I also sent my full credit report to them. I even went as far as circling these errors for their review. When these accounts were disputed with Equifax, the accounts were updated with erroneous status information. How can these accounts go from Included in Bankruptcy, to a Charge Off, or Open, Or Transfered :? I would like to know Equifax 's method of verification. According to Equifax, these accounts were verified with the original source to be accurately reporting. If this statement is true, why did the status change from Included in Bankruptcy, to Charge off? After a Bankruptcy is discharged, the original creditor 's relationship is severed with the debter. No further reporting is required. Especially if it is reporting erroneous information out of spite towards the debter. In conducting any re investigation under paragraph ( 1 )  with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer, and make neccessary changes to a consumer report if the information supports the complaint.. This did not happen. It is obvious that Equifax did not examine the enclosed supporting documentation that I sent them. There was no investigation by them. The e-oscar system does not take into account that the consumer might need an actual person to examine supplied information, to the bureaus, that could rule in the favor of the consumer. E-oscar only repeats the same information that is unverified, or erroneous data that is supplied with the original creditor. Equifax, did not compare the old data that was sent by the original creditors, to the new data that was sent to them by the Federal Bankruptcy Court. 
It is beyond belief, that with the current laws that are written to protect the consumer, that credit reporting agencies can be allowed to report information, that they physically did not verify. And if Equifax would have done an actual investigation, they could have seen that the discrepancies were very obvious to anyone that cared enough to view them. Equifax has failed to protect the consumer, from companies that report old or outdated information. I have enclosed the same report, that I originally supplied to Equifax. I pray that I have been clear.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (WA)

Name : XXXX XXXX XXXX : Washington Problem : Venmo Account Suspension and Withheld funds Details : - You received a Social Security back-pay deposit of {$26000.00} into your Venmo account on XXXX XXXX XXXX 
- After utilizing a portion of these funds, Venmo temporarily suspended your account on XX/XX/2024, citing potential fraudulent or high-risk activity. 
- Venmo requested your identity verification, which you provided. 
- Despite your compliance, your account was permanently suspended by Venmo on XX/XX/2024. 
- As a consequence, {$15000.00} of your funds have been withheld by Venmo, with an assurance to release them six months from the suspension date. 
I have sent them proof where the money came from so how can I be spending my own money fraudulently
Consumer complaint received 2024-02-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OH)

Chase sent an email to me XXXX about potential fraud on my accounts, saying they have restricted the account and may close it soon. I did not see the email and did not get a text or notification through their app. On XXXX I received a notification about funds being below my warning threshold. I opened the app and saw a negative balance on my main savings account, as well as my checking, and the two savings accounts I share with my children. I called the bank and they grilled me with questions about whether I opened my accounts online or in a branch. I said some date back to XXXX  and they were all opened in the branch. Apparently someone hacked their system and tried transferring my funds into an online account, but Chase won't confirm. I have not given my account information to anyone, and I had my debit and credit cards in my possession. I did not discuss my bank accounts with anyone prior to them getting hacked. 

I called again on XXXXXXXX  and spoke to the fraud claims dept. On XXXX we opened new accounts in our local branch, but they advised they could not help get our prior balances transferred over to the new accounts and that we would have to deal with the Claims Dept to get a cashiers check. I called again on XXXX for Claims Dept at XXXX and was transferred to their Depository Review Dept. On XXXX I called back for Depository Review and spoke to XXXX. He said I would have money in XXXX or XXXX bus. days. I called XXXX and again XXXX. The last time after talking to Depository Review I was transferred to XXXX in Customer Service. He said he could see a check charge on XXXX meaning they were processing cashier checks and I would have funds in 11 to 14 days. We are now 21 days past that date and I still have not received funds either by an account transfer or by cashier checks. 

Each time I've called I've spent 30 to 75 minutes on the phone and have received no answers, just told that they are escalating the situation and referring to the " Back Office. '' Still no refunds as of XXXX, a month after the fraud was detected. Between all 4 accounts that the bank restricted, we had over {$73000.00} but have had no access to our funds. I've asked to speak with a supervisor or manager and have been turned down each time. I have not had access to my funds for a month now and have bills that need to be paid. My kids need their rent money etc. while in XXXX. This is our life savings and it's ridiculous that Chase is holding our funds hostage after I've called and visited the branch so may times, and answered all of their questions.
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX file a suit XX/XX/XXXX for which I hired a lawyer but they continue to call several times a day for a whole year now, even after they were notified of my legal representation. They purchase a credit card from synchroni bank that supposed to be close. Yet I got no chance to dispute and they added interest for about a year. Attended court I had no prove of payment since it happened in XXXX and I had closed the accounts I paid with, judge ruled against me, yet they still calling my cell phone. I have a XXXX child, still they harassed me constantly, during doctors appointments, hospitals visit or clinic treatments or therapy. They wont identify themselves as debt collectors and say it is a personal business matter or the representative just says their name as is a personal call, they even called my daughters cell, who is a minor to ask her where I can be reached, when would I be available, etc. One thing struck me is the day of the trial, pretty much every one there had a case against XXXX XXXX XXXX. It seems to me that they all were Encouraged to settle. Some people didnt even got notice, I got my notice less than two weeks from trial and it is supposed to be at least 45 days. So I did not had much time to prepare since my son had been sick all week with XXXX XXXX and XXXX 
I had other credit cards before that I had paid and closed. But never had to fight with a company to close my account. Still they left it open so it could accrue interest, because I told them I can access the credit card, I could not use it in the store or pay any balance. I had to call the credit card customer service to make the last payment to closed the card but it never happened. I had tried disputing it but paperwork was never file.it was all done by phone. Currently I am considering filing for bankruptcy ... once I paid for my house I have all this creditors calling me with any debt I ever had as old as twenty years old. XXXX XXXX XXXX had also called with a debt from a XXXX XXXX credit card that I had over ten years ago, that cant possibly be legal.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I am XXXX XXXX XXXX XXXX, and have been serving on XXXX XXXX since XXXX. I researched the Citi XXXX XXXX XXXX XXXX XXXX, and read everywhere that XXXX XXXX military members were eligible to have annual fees waived. Through several engagements with Citi 's XXXX XXXX XXXX, I've been denied coverage under both the Military Lending Act ( XXXX ) and the Servicemembers Civil Relief Act ( SCRA ). 

XXXX XX/XX/XXXX : Applied for Citi 's XXXX XXXX XXXX XXXX XXXX card. 

XXXX XX/XX/XXXX : Received and activated the card. Emailed Citi 's XXXX XXXX XXXX requesting my annual fee be waived under the XXXX. Provided information from the XXXX XXXX XXXX XXXX verifying my status as an XXXX XXXX military member. 

XXXX XX/XX/XXXX : Received response from Citi denying request to waive annual fee under XXXX. 

XXXX XX/XX/XXXX : Called Citi 's XXXX XXXX XXXX, who stated I was not eligible to be covered under XXXX and could not have annual fees waived. I asked to cancel the card. The technician transferred me to an account management member, who reviewed my case and told me that wasn't accurate. He transferred me to another XXXX XXXX XXXX member who informed me that my social security number was incorrect on the account. He corrected it and submitted XXXX requests to have my annual fee waived since I'm an XXXX XXXX military member : XXXX under XXXX, and one under the SCRA. 

XXXX XX/XX/XXXX : Received response from Citi denying second XXXX request. 

XXXX XX/XX/XXXX : Received letter from Citi denying SCRA. 

On all denial responses, Citi has stated that because the card was opened after I came on XXXX XXXX, I was not covered under either the XXXX or the SCRA.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I first learned of this late fee on XXXX  XX/XX/XXXX, at XXXX, the automated phone system stated that " No Payment was due at this time ''. However, when I spoke with XXXX supervisor he did say that a payment was due on XX/XX/year>. I requested a text message from the automated system ( XX/XX/XXXX, XXXX ) and it showed that I was charged a XXXX} PAST DUE FEE on XX/XX/year> ( again when the due date was not previously announced on the automated system ). 
Therefore, I requested to speak with a supervisor 's supervisor on Monday XX/XX/year> at XXXX ; XXXX. I explained my argument, and was only told that I agreed to this on the trems of service, and she had no explanation as to why the automated system did not tell me the due date for my payment. I overpaid the credit card company by XXXX  because they could not tell me exactly how much I needed to pay of my debt entirely. My balance due was an even XXXX XXXX XXXX XXXXXX/XX/XXXX, and the balance went up by XXXX  while my rewards went up from just over XXXX XXXX XXXX. I understand that these changes are due to updated figures only on the actual statement date. 
I want my {XXXX XXXX XXXXXXXX refunded.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (AL)

In XXXX of XXXX my credit score with XXXX suddenly decreased by several points. The reason was that NelNet, my old student loan servicer, for some reason reported an open balance with them. The issue is that the entirety of my student loan balance was transferred to another company, XXXX. So now suddenly on XXXX end, I had double the amount in student loans. I disputed this through XXXX dispute portal online in XXXX and XXXX. Both disputes ended with Nelnet still advising that I owed them XXXX. Which I didn't, as that entire balance is with XXXX. I was told in XXXX that in XX/XX/XXXX my loans should be corrected. It is now the end of XXXX and not only does XXXX still show a balance with Nelnet, but so does XXXX. 

The last time I asked for a response, a PDF was sent however it was flagged and I was not able to view the response.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I bought a used car from them some things fell threw with life and it got repo after that they sold my car to someone else but wanted me to pay for it still so we went to court and the judge said i needed to pay {$100.00} every month till it gets paid this was issued in XXXX- so since then which i have all my receipts and i have paid {$100.00} like im suppose to but they have reported me over 90 days late for every payment- which now is effecting me buying a home and holding up the process and my lender advised me to reach out to you guys- below i will attach my docs, ty
Consumer complaint received 2020-10-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A. (FL)

I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX ( XXXX  ) XXXX. However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX  XXXX XXXX ( XXXX ), XXXX. legal counsels, and was fighting the cases. Then the courts were shut down inXX/XX/XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. 
A few days ago ; the collections agencies made new reportings to XXXX   about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
In the XXXX SC XXXX lawsuit ; Pollack & Rosen , P.A . brought this old credit card from XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. ; They are a debt collections agency that buys old charge-off debt from major companies then sues the debtor by pretending to be the original creditor. ( see attachments )
Consumer complaint received 2020-10-07
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. (AL)

Equifax sent me in a letter stating they need two forms of identification. I mailed them this information along with my dispute and they received this information XX/XX/20. I also have a signature that they received that letter. I will also stretch copies of the dispute I sent ( minus the account number ). Ive marked out the identification that was mailed in along with it.
Consumer complaint received 2020-10-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NM)

Last month ( XXXX XXXX when I made my mortgage payment, for some reason the mortgage company ( The Money Source Inc. ) processed a double payment through my bank XXXX XXXX XXXX XXXX  XXXX. My monthly mortgage is {$1300.00} and they processed a payment for {$2700.00} on XX/XX/XXXX. I immediately contacted XXXX XXXX and initiated a dispute as I only authorized a payment of {$1300.00}. I then contacted The Money Source and spoke to XXXX P about this error to let them know I filed a dispute with the bank and to find out what needs to be done to correct the issue. XXXX requested copies of my bank statement to prove the payment processed so they could initiate a refund for {$1300.00}. I sent the documents to XXXX and they processed a refund for {$1300.00}. They sent a check on XX/XX/XXXX which I received on XX/XX/XXXX. During this time, XXXX XXXX discovered that the charge was not authorized and they reversed the entire {$2700.00} back into my account. Additionally I received a letter from The Money Source stating that my mortgage payment was past due. I contacted XXXX about this and she stated that since the bank reversed the charges, they decided to reverse the payments for XXXX and XXXX, thereby making it appear that we were past due on those payments even though we made them on time. Today, XX/XX/XXXX, I was notified by XXXX  that The Money Source added a negative remark to my credit report stating that we were delinquent more than 30 days. We have never been late on any mortgage payment and I have proof of that with my bank statements and The Money Sources monthly statements. XXXX admitted that we were never late and that the bank reversal is what triggered this problem in their system and the reporting to the credit bureaus that we were late, even though we were never late. I told her that I wanted them to correct the information on the credit reports and I wanted the late fees reversed since none of this was our fault, it was The Money Sources fault initially for charging me for twice the payment that I authorized. The refused to correct the credit report and refused to remove the late fees. I believe this is in violation of the Fair Credit Reporting Act of 1970 as they have reported falsely that I was late on mortgage payments even though I was never late on those payments. I believe this is fraudulent information and it has permanently harmed my credit report.