davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2016 I used my TD Credit Card rewards to book a flight to XXXX on XXXX. Attached is my booking confirmation. I printed out my boarding pass the day before and when I arrived at the airport, I was told that there was a problem. My ticket had been revoked. How could this have happened? You can imagine a XXXX woman, by herself, being told that she ca n't fly to see her XXXX for XX/XX/XXXX. I was in a panic ... they had to get me a wheelchair, as my XXXX was just racing. Luckily, they got me on the flight, but I had to use another credit card to pay for the trip. How could I receive a confirmation and a boarding pass, only to arrive at the airport and be informed that my ticket was no good.
Consumer complaint received 2016-12-19
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION (SC)

They do not have any documentation in their files to verify the accuracy of these disputed accounts and they should delete them immediately as required under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Consumer complaint received 2017-02-15
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (OH)

I disputed a charge of {$100.00} to XXXX XXXX XXXX on XXXX XXXX, 2017 - a few hours after the transaction fraudulent transaction occurred. After a couple of days after BlueBird 's " investigation, '' they responded by saying that this was in fact an authorized transaction and my dispute was denied. 
Independently, I was able to uncover directly from XXXX the following ( I spoke with XXXX XXXX at XXXX ) That this transaction was charged on line and was not charged by me. 
That the order number was XXXX That the order was mailed to a person that I have never heard of by the name of XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX OH XXXX. 
I was specifically told by XXXX XXXX NOT to contact XXXX XXXX myself and instead this must be disputed through American Express. 
Bluebird is insisting that this is not a fraudulent transaction and they refuse to send me documentation that backs up their claim after I requested it. 

The account number is XXXX
Consumer complaint received 2015-04-04
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have had a Bank of America card for 17 years. Within the past year, I 've had XXXX problems with this account. 

The first problem is that the emailed statements have not been delivered regularly since XX/XX/XXXX. This has resulted in several late charges. I checked my junk mail folder and deleted items. I received a statement on XX/XX/XXXX and Did not receive another unil XX/XX/XXXX. This leads to the second and more serious problem ... 

I logged into my account on XX/XX/XXXX to pay my account. This payment did not go through. Bank of America has a record of my log in, however ; they do not have a record of my payment. In XXXX, frustrated with the late fees and the email problems, I paid off my balance and cancelled my card. On XX/XX/XXXX I recieved another statement. Again, my payment did not go through. I called Bank of America and was told that they had a record of this payment, but that they ( Bank of America ) had cancelled it " for some reason, maybe it was a glitch. '' This transaction was cancelled with out my concent and without notification. 

I 'm trying to get the late fees reversed for the XXXX, XXXX, and now XXXX statements. After an hour on the phone, Bank of America admits their mistake with the XXXX transaction, but not XXXX. The Bank of America representat stated that the case is currently pending an internal investigation.
Consumer complaint received 2016-11-01
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery constantly calls my cell phone and all of my Family members. They 've harassed me for over a decade. They change their name and number, but use the same tactics. We just block them now, but I thought they were suppose to stop all this after your Bureau forced them too. I like a part of life now, blocking XXXX-XXXX different phone numbers per week. Some of the debt is over 10 years old. Obviously their system is still profitable if they keep harassing people. 

It 's just like banks charging outrageous overdraft fees, setting up transactions to benefit themselves. Sure, the Government sues them, and companies like XXXX just settle out of court. Does n't stop them, they just consider it cost of business to deal with fines, they can afford it. 

These companies prey on those who struggle financially, because they know it takes money rot fight back. Pure evil.
Consumer complaint received 2015-10-23
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (FL)

For two weeks I have no access to my account They have removed my active card and put an expired card on file so I have no access to my funds. Plus I had {$330.00} in my account they removed it and my balance was {$0.00} the next day it went to {$32.00} then to {$12.00} now it 's is back to {$32.00} my {$300.00} is still missing and my direct deposit was sent today I have the money in the account and no way to use it.
Consumer complaint received 2016-02-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Offices of Stein and Meyer (OH)

Stein and Meyer called my mother and my employer providing account numbers and informing them they has attempted to serve me both at home and at work. Neither of which is true. They will provide no address information regarding their location. All their numbers are blocked and can not be searched and I have found nothing but complaints regarding the numbers and company stating they are scams. They are calling from XXXX and instructing me to call XXXX. If it is legitimate they would be willing to provide more information regarding there location and would accept mailed payments. I feel it is a scam attempting to exploit me.
Consumer complaint received 2017-03-15
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (MD)

I received a Netspend Mastercard in the mail. I never ordered it. I called the number on the card and spoke to someone in the XXXX who said I should just throw the card away. That is pretty bad advice since anyone who finds the card could activate it. I am appalled that they sent a card that was never requested. This is an invitation to identity theft. It was very difficult to even get a person to talk to because the automated system kept asking me for my social security number and date of birth because it did not recognize my account because I did not activate my card. I did some research on line and there are lots of complaints from people who received a Netspend card and did not request one
Consumer complaint received 2016-02-02
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Blackwater Capital Group LLC. (LA)

I received a call from my step mother saying that a gentleman called here stating legal action would be taken if I did n't contact their office. Once I called he was telling me that I could get sued for a {$200.00} debt and legal action for a returned check. XX/XX/XXXX i got a small online payday loan and then the next day I received a XXXX one that I never asked for. The company would n't take the money back and repeatedly charged my account fee 's my bank recommend closing that account which I did I tried to dispute through the bank but I was n't able to. I was finally able to pay the bank XX/XX/XXXX for all the fee 's they charged somewhere around {$140.00} and that 's just what was overdrawn. It has been almost 7 years and this is the first time I have heard from them.
Consumer complaint received 2017-03-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems (NJ)

This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? 

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. 
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. 
The name, address, and phone # of the original creditor, since you are a third party collection agency. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC (TX)

I was a victim of identity theft and noticed a collection from RECEIVABLES PERFORMANCE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RECEIVABLES PERFORMANCE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

I am writing to dispute charges on XXXX XXXX XXXX XXXX XXXX XXXX bills originating on XX/XX/XXXX-XX/XX/XXXX for the amount of {$68.00}, in addition to a XXXX bill on XX/XX/2014-XX/XX/2014 for {$120.00}. The total amount allegedly owed is {$190.00}. 
I am disputing the charges because I have maintained this wireless account with XXXX XXXX XXXX for over 15 years and have always paid my bill promptly. Unfortunately, my cell phone service had continuously deteriorated month after month for the past 2 years, which has resulted in strained personal relationships and loss of revenue for my business. I have given XXXX ample time to resolve the matter and have even received numerous discounts on my bills in conjunction with the poor service issues that have continuously gone unresolved. They include verified incidences where there was no receipt of missed calls/texts ; frequently dropped calls ; and a nagging XXXX bar of service that followed me wherever I went. Unfortunately, due to XXXX XXXX XXXX 's inability to fix the matter I was eventually forced to port my number to another carrier on XX/XX/2014. 

In conjunction with cancelling my service with XXXX XXXX XXXX I am being forced to pay full price for a final month of deteriorated cell phone service ( {$68.00} ) I received no benefit for, followed by account termination fees which were a result of the company 's own poor service ( {$110.00} ). My 2 year contract was expired, and I was using an outdated iPhone 4. I had refused on numerous occasions to sign a new contract for an upgraded phone as the problem lay with XXXX XXXX XXXX 's network, not my device. After XXXX XXXX XXXX refused to negotiate the matter with me to my satisfaction the debt went to XXXX XXXX XXXX and now onto Receivables Performance Management. XXXX XXXX XXXX has no legitimate basis for these charges and I should not be forced to pay full price + termination charges for a service of inferior quality. 

The account was opened when I was a minor with the help of my mother, although I have always been responsible for the bill. I am the primary on the account and have repeatedly reminded XXXX XXXX XXXX of this arrangement. My mother and I receive harassing calls from collectors and XXXX XXXX XXXX regarding the matter. They frequently call throughout the day, can not provide information on the debt supposedly owed when prompted, and often call and hang up. It is unfair that these collections letter be only addressed to my mother and that her credit score be tarnished.
Consumer complaint received 2015-11-30
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Receivables Performance Management, LLC (OR)

XXXX sent me to collections immediately after I cancelled my service, I returned their Booster equipment and received credit, paid the remaining {$500.00}, via payments on my credit card. Since then, i 've been contacted by XXXX different collection agencies. XXXX telling me I owe over {$1800.00} to the last XXXX stating I owe over {$800.00}. I have been getting calls as early as XXXX and as late as XXXX, 7 days a week and they have started contacting my employer. I am now on a written warning regarding this issue. When I call I get threatened, obscenities and being told " too stupid to pay my bils ''. I left a final message with them demanding a formal notification of the debt, with proof from XXXX that it has not been paid. I NEED the calls to stop, it has begun to cause my migraines to increase limiting the days i am able to work. 
When I spoke to XXXX on XXXX, I was told they have no record of my debt owed ... so I have no idea what to do. I know I paid off XXXX., they are attacking my credit, my home and now my work.
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (TX)

In the process of refinancing my home mortgage. My refinancing company called and faxed Green Tree Mortgage to get payoff. Green Tree never responded with payoff in writing for my refinancing company to complete my new loan. When I contacted Green Tree by phone to request payoff, I was told my account was flagged and they could not talk to me about any details. When asked to know reasons for this situation, I was told to have my lawyer talk to their lawyer. This is my own account, why do I have to hire a lawyer to talk to their lawyer. My account is in good standing ; no late payments until now as I was advised not to pay XXXX that it would be rolled into the new loan. I sent XXXX payment to Green Tree today XXXX XXXX by on line banking as Green Tree refused to take payment by phone or allow me to do on line within their Green Tree system. I was told by Green Tree that if I did not pay by 30 days that it would go on my credit rating for seven years. My refinancing of my new loan is at a standstill without any explanation from Green Tree. I also faxed Green Tree to state what was going on my my account. No response. I sent message to Customer service within their Green Tree system. No response.
Consumer complaint received 2016-11-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: J J Marshall & Associates, Inc (MI)

I attended XXXX University from XXXX, I got financial aid to help pay for tuition and stuff. XXXX issues students debit cards to load the unused balance from the student loans into the card. I decided to not attend school anymore and dropped my classes. Last year I got a letter from XXXX saying I owe them over {$3000.00} for the renaming portion of my loan. I lost my debit card soon after I dropped my classes and I never took the or received the {$3000.00}. I tried to explain that to XXXX and they told me too bad and referred to a collection company. I disputed the debt with the collection company and the collection company could not verify the debt and stopped collection activity. It 's been a few months since they could not verify the debt and now I get another letter from a collection company stating I owe the debt again and if I wanted to validate the debt I can but a lawsuit will begin if I ask for validation again. I was under the impression that once the collection company can not verify the debt all collection activity stops. Am I wrong? What do I do?
Consumer complaint received 2016-06-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank was informed by a relative of mine I would be unavailable for a length of time due to being hospitalized and other events in my my life. They were asked to put a temporary hold on my account because transactions would be presented. All previously agreed upon. Chase ignored the request and let items be presented against my account resulting in profitable fees. Upon my return, I called chase. The Chase bank phone representative told me to please hold. The Chase phone representative seemed to have forgotten to push his mute button on his headset. I over heard his conversation with a co worker as he was expressing that I am a, " XXXX customer and XXXX veteran '' Chase reversed a small portion of the fees later but unfairly refuse to help further more
Consumer complaint received 2015-11-23
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Adjusters, LLC (TX)

My elderly mother received a call from XXXX from a man named XXXX XXXX saying that I was going to be arrested if I did not return the call and the case # was XXXX. I called and reached XXXX XXXX. They said that XXXX XXXX was going to subpoena me regarding that docket number due to an unpaid payday loan XX/XX/XXXX with XXXX XXXX. I told them that I paid all debts regarding XXXX and that I knew this was an unlawful fraudulent call. XX/XX/XXXX another company claimed the same thing so I verified with XXXX that they were n't working with XXXX. XXXX XXXX told me that the debt collection company claiming this that they were working on behalf of was called National Credit Adjustors and to call them at XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which is only 2 are required per the law. I have provided all documentation as well as victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2020-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I inquired on a Puppy for sale on an online Pet website XXXX XXXX XXXX and was advised the total cost was {$500.00}. The seller requested a {$300.00} XXXX payment deposit. He then advised {$200.00} was ok and {$300.00} upon arrival of the puppy. Which we paid {$200.00}. He then texted and advised he needed all the money which did not make sense to me. The he said it was the seller XXXX 's brother XXXX. He said we needed to pay more to ship the puppy off and the Delivery Company was requesting protection insurance. I told him that was not the original agreement and he said he would try and fix the problem. I offered to pick up my puppy and pay the balance and he refused and said why would I waste my time and drive so far ( XXXX, CA ) when he could do everything. He then responded and said the puppy can be delivered " Today '' which was already XXXX. I texted him a few times and never heard back from him again. I called and texted and no response. 

PLEASE HELP! THIS IS A SCAMMER COLLECTING MONEY FROM INNOCENT PEOPLE. 

His email provided to send the XXXX Payment was XXXX. I immediately called the Bank Chase to advise I was being scammed and they said it was to late to stop the direct payment. I could not cancel the payment. 

Thank you kindly, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (AZ)

I noticed a Non-Authorized Hard Credit pull on my XXXX credit report that was pulled on XX/XX/2021 by CBNA. I contacted XXXX immediately via certified mail that this was an unauthorized release of my credit report and to please investigate and remove it. I also called CBNA and spoke w/their credit department. They verified they had NO Information on the credit report request. They told me they would send a letter to XXXX so the inquiry could be removed. This has been going on for years with XXXX with no resolution. I've requested proof that they have completed a full and documented investigation and this has NEVER been supplied to me.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-10-28
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. (AZ)

SEE ATTACHMENT. I HAVE RECENTLY DELETED THIS ACCOUNT TWICE AND IT CONTINUES TO REAPPEAR ON MY CREDIT REPORT THUS BRINGING DOWN MY CREDIT SCORE. IT IS DISRUPTING ME TRYING TO BUY A HOUSE.