davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AAA Collections (SD)

We are receiving collection letters from a collection agency AAA Collection Inc. We have already made payments to the original hospital. We informed the collection agency in writing on two separate occations and they have not responded in writing other then the collection notices. We consider this to be harassment and a violation of the FDCPA.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I've banked with USAA for over 10 years. After an attempt to bank with XXXX  XXXX XXXX, I changed my mind because of poor customer service. I should have a total of over 35k in my account ; I should be able to access that account since over $ 25k of that amount was already in my USAA account. As of yesterday XX/XX/20, I had no warning call, no email, no text and my card was declined. I am since that time also unable to access my accounts online. When I call in, the prompt tells me to call back : tomorrow, during business hours XXXX which I'm calling within ). I finally get a live Rep and they tell me that the prompt on their screen insists they read to me the following : " I'll be transferring you to a specialist ... '' and when the live Rep transfers me, the line disconnects or tells me to call back tomorrow. I have started recording these calls as I'm at a loss for what is happening.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (MD)

In XX/XX/2020, I left a XXXX XXXX at an organization, and there was a business credit card with Chase in my name. The organization required that the billing address be set by them, and I did not receive the bills at my home. However, the organization did not make payments on the credit card in XXXX and XXXX, and did not notify me that I had any payments due. In XX/XX/2020, after checking my credit score, I became aware of the issue and found out the payments were 90 days overdue. 

I had not received any bills, the organization had not told me any payments were due, and I had no way of knowing that there was a late payment due. In the 5 previous years of owning this card, there had never been any other late payments, and in my entire credit history of more than 15 years, I have not made any other late payments. 

Chase agreed to waive some fees and then I immediately made the payment. When I checked the account the next day, the fees had not been waived, and rather than deal with customer service again, I made an additional payment to cover the fees that Chase had originally agreed to waive. Chase then reported 2 different late payments to the credit reporting agency and my credit score dropped more than 100 points.
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: Experian Information Solutions Inc. (IN)

I have been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. Experian is the only bureau that will not remove these collections from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my experian credit report.XXXX and XXXX  has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through experian, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the experian account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not belong to me.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/2021 at XXXX XXXX, I received an email from PayPal informing that a unrecognizable device logged into my business account, I immediately changes password as well as attempted to contact PayPal. IN response to what have been ongoing unauthorized activity in addition to unauthorized access into my paypal I was informed of the immediate cancelation of my account and that the balance that I have accrued will be held for 180 days before I am given instructions which further complicated the recouping of my funds. In addition there are monies owed to me from customers who will only be able to pay the debt via PayPal due to the service PayPal advertised as a sure way to receive payment. This is unethical business practice in relation to activity caused by fraudulent activity in which Pay pal was previously notified and provided the necessary reports provided to me by the federal trade commission.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

I just opened a new checking account with Bank of the West on XX/XX/21. I funded the account by transferring {$1000.00} from my XXXX checking account on XX/XX/21. The only transactions that have posted to this account ( aside from the {$1000.00} deposit ) were {$1.00} or less, to establish links to my accounts at other institutions, including XXXX and XXXX XXXX XXXX. 

On XX/XX/21, I received the following email from the bank : " Dear Customer, We detected unusual login activity on your Bank of the West account and have temporarily XXXX online access to protect your information. '' I called the indicated phone number to inquire as to what was going on. The agent informed me that my account had been flagged as deposit only, no withdrawals allowed. He further informed me that no reason had been given in the notes and that I needed to call or visit the main XXXX XXXX branch for further assistance. 

At XXXX on XX/XX/21, I called the main XXXX XXXX branch and spoke with XXXX XXXX to see what was going on with my account. XXXX XXXX indicated the account had actually been locked down by another department at the bank - not the branch. She said she would need to make a few phone calls and would get back to me. I did not hear from her, so I called back for her the following day at XXXX. I left a message for her to call me back with the status of her inquiries. She did not respond. 

Bank of the West clearly has some problem with my account but they have failed to inform me what the problem is and how to resolve it. This is terrible customer service and I am quite surprised such a good company would provide such an awful experience. 

Thanks for your assistance.
Consumer complaint received 2021-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (FL)

Since the transfer of this mortgage ( XX/XX/XXXX ) from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX representatives have not assisted in the following umbrella of Hazard Insurance requests. Received another letter dated XX/XX/XXXX. 

( XXXX XXXX Their first communication to mortgage holder was not a introduction or mortgage statement, but a request for hazard insurance - XX/XX/XXXX. There are many types of hazard insurance, mortgage holder was unsure which XXXX. This was not requested by XXXX, or XXXX XXXX XXXX. Mortgage holder sent multiple written requests for clarification. It took XXXX XXXX over a year to address the request for clarification. 

( XXXX ) In the interim, XXXX policies related to the XXXX hazard insurance was sent to their vendor - XXXX. XXXX was the first point of contact, and then XXXX. Not only were the policies faxed, emailed ( XXXX ) and discussed over the phone with this company, mortgage holder requested that vendor communicated timely with Gregory Funding. Fax was sent to Gregory Funding as well for a hazard policy that expires XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). Letters persists without response to ALL hazard insurance related written letters. The company consistently denies mortgage holder opportunity to discuss these issues since XX/XX/XXXX. Mortgage holder called again in XX/XX/XXXX and was denied assistance by XXXX of customer service. 

( XXXX ) Per loss mitigation file with HUD agencies, declaration page of both homeowner 's and XXXX insurance XXXX XX/XX/XXXX & XX/XX/XXXX ) were submitted. 

( XXXX ) Called XXXX and spoke with head operator who connected call to XXXX XXXX, head of XXXX XXXX, left a voice message. Awaiting call back. Operator Sup researched the email address ( XXXX ) and stated email shows associated web developer 's name. Head operator called to reach XXXX, XXXX rep, no answer. Mortgage holder was transferred to XXXX 's voice mail, left a message for XXXX, no response from Candy or XXXX.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

Yes I paid off in full my comenity-XXXX the XXXX XXXX XXXX account in XX/XX/XXXX then they said I still owe XXXX so I paid that at the store ; so the next month I get another statement in mail saying I owe XXXX more so I called they claim they never received so I sent them a copy of receipt and they're still harassing me about now they've sent another statement this month XX/XX/XXXX saying I owe them XXXX $ when the said account was supposed to be closed in XXXX paid in full, tired of the harassment.
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

I recently pulled my credit report and noticed a credit card debt under my account that didn't belong to me. I noticed all three credit reporting agencies. I then contacted the creditor SYNCB / XXXX via certified mail ( XXXX ) and asked for proof that this account belonged to me, I never recieved a response. I contacted them again XXXX and requested validation of debt. As of today, I have not heard form this company and the debt remains on my credit report. I have also, placed a identity theft alert in my name with the Fed Trade Commission. 

This Account was opened in XXXX of XXXX at a residence I lived in over 30 yrs ago Account # XXXX XXXX XXXX XXXX Paypal Credit XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I do a weekly transaction update on my accounts in case I see any activity not authorized by me. I recently discovered a charge on my account of one hundred and six dollar from a phone repair XXXX  at the mall I contacted Webster Bank to inform them of the issue and to let them know I did not authorized this transaction nor did I initiated the transaction. Of course they asked me if I have my card in my possession etc.. I stated yes I did, I was at the mall and purchased some pretzels.They closed out the card and sent me a new one. Fast forward, today XX/XX/2021 I contacted them to check on the status of my dispute. They told me my claim was denied. I asked them what informations was used to determine this. I insisted I did not authorize this. I am not going to waste my time to call my bank to dispute a transaction I made. I have a checking and a saving with this bank. I closed my Savings account with them today and will be closing my checking soon too. 

I have a savings account with XXXX XXXX and wanted to give Webster Bank a chance but I was not happy with their service. I asked them to reopen the dispute and the representative tells me I have to send them an email as he can not transfer me to the dispute department. XXXX # XXXX. At this point it doesn't even matter if they refund it or not. I closed out the saving over the phone and hopefully the representative processed it. My checking will be closed by the end of this month.
Consumer complaint received 2021-04-21
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: Debt Recovery Solutions, LLC (GA)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay.
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (MI)

I owed approx XXXX $ to synchrony financial through paypal. They sent this debt to collections after being 8 days late and did not send me any notification that this would be sent to collections. I confirmed via phone call on XXXX that no actual notice was provided. I tried to pay three time on XXXX in full, but their system still has not processed. 

This was an unfair practice on a high interest consumer account. I was floored when it was sent to collections without a notice.
Consumer complaint received 2021-04-21
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: DISCOVER BANK (OH)

Incorrect information reporting on credit for XXXX, XXXX, and XXXX. 

XXXX XXXX XXXX XXXX, appears on credit as XXXX  XXXX XXXX XXXX N incorrect balance, and multiple received mailings with different balances, different transactions, from actual account. 

XX/XX/2019, reported fraud on account, Discover, Discover Financial Services, Discover Bank, Discover FIN SVCS LLC, inaccurate information reporting on credit bureaus, multiple mailings received from different payment and billing offices. 

XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX and XXXX XXXX Discover Card XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-21
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. (NV)

XXXX HOW IS THIS ACCOUNT 150 DAYS LATE AFTER CHARGE OFF? Upon viewing my credit reports I noticed account TARGET/TD had a discrepancy in the DATE OPENED & DATE OF LAST ACTIVITY section of the listing XXXX and Experian are reporting different dates. Date open on XXXX report says XX/XX/XXXX but on Experian it says XX/XX/XXXX. Also, on the date of last activity it also has different dates, XXXX says XX/XX/XXXX and Experian says XX/XX/XXXX. If this is the same account, reported by the same creditor how are these dates different? Additionally, the HIGH BALANCE says {$810.00} on XXXX but on Experian say {$0.00}, which balance is it {$0.00} or {$810.00}? Lastly, Experian pay history does not meet FCRA regulations. How is it possible to be 150 days late after an account has already been charged off? Look at Experian pay history of XX/XX/XXXX!!!! Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE this item immediately. 


the statement above was a list of factual reason why the account in question should have been removed but Experian replied with the account being verified. I feel they didn't do a real investigation and is in violation of FCRA regulations.
Consumer complaint received 2021-04-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

I have a collection that is being reported to XXXX by Ideal Collection Services in the amount of {$9200.00}. This collection is being reported in error. It is a duplicate of a collection that was removed on XXXX XXXX, 2021, for the same amount. They removed the original reporting from all three agencies ; however, the duplicate that was reported to XXXX was never removed.
Consumer complaint received 2021-04-21
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. (IL)

After numerous disputes regarding fraudelent items on my credit report, the items have still not been removed. The credit reporting agencies are stating the items in dispute are " verified '' even though the items are fraudulent. 

I am including my FTC report as well as other supporting documents in hopes that the CFPB will help me to get a resolution.
Consumer complaint received 2021-04-21
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. (IL)

After numerous disputes regarding fraudelent items on my credit report, the items have still not been removed. The credit reporting agencies are stating the items in dispute are " verified '' even though the items are fraudulent. 

I am including my FTC report as well as other supporting documents in hopes that the CFPB will help me to get a resolution.
Consumer complaint received 2021-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Fast Track Servicing (OH)

I was contacted by Fast Track Servicing XX/XX/XXXX and they said they could help me enroll in a Public Service Repayment plan. They promised to reduce my payments to $ XXXXmonth and that I would have 120 payments and my complete student loan would be paid off. From XX/XX/XXXX to XX/XX/XXXX they withdrew payments from my account totaling over {$1000.00}. They must have had some tether with my actual Federal Loan -- because I apparently did not miss a payment ( or their application put me in forbearance? ), but I'm not getting letters from XXXX XXXX that I'm finally enrolled in the PS repayment plan -- and that none of these payments made ( to Fast Track ) went towards my principal. They have no record. So, embarrassingly I was duped -- and have spent over a year paying towards my loan ( but not actually paying anything down and not in the program yet ). The numbers they have provided are no longer working and no one is available when I email. 

Fast Track Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX http : //fasttrackservicing.com ( XXXX ) XXXX
Consumer complaint received 2021-04-21
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. (SC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously