davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc. (FL)

I attempted to transfer money from my Experian Digital Checking account to my XXXX checking account so I could pay my rent. I accidently made it a transfer in to my Experian which is not what I intended to do. I even called to ask if I could stop it because I did it in error and they told me that it was in process and I could not stop it. I had to let it go through. Then a week and a half later it somehow flagged them that I was suspicious and they froze and temporarily suspended my digital checking account. I had XXXX in there that they told me too bad that they were not going to allow me to access. So I waited. It has now been an entire 7 days and still no relief and NOW my pay went into that account in the amount of {$900.00} and I do not have access to get my money. I am going to have to quit my job because I am out of money and I have no gas to get there. Even though I have a card and the money is there direct deposit, they will not even allow me to have access to {$100.00}. So I am stuck and they are refusing to release my money and or anything because they are still investigating. I do not think that is legal. I have rights!
Consumer complaint received 2023-11-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX I tried to transfer money to my Venmo debit card. After multiple attempts to add the money ( which Ive done many times before ) I received an email stating that my account is suspended. I have almost {$500.00} in that account and they are trying to steal it from me! I contacted them through email and was told to send a picture of my ID card. I did that. They are now requiring me to send a monthly statement to prove I own the account which Im trying to get unsuspended. Venmo only sends me quarterly statements and when I try to open said statement, the document is no longer available to me. So I cant send the statement and they are still keeping my money from me and refusing to give it back. I dont understand how my ID wasnt sufficient enough, seeing as they have a record of my statements. If my identity has already been verified by Venmo why am I being forced to jump through hoops now?! My bills are late and my power is scheduled to be shut off Monday XX/XX/XXXX if its not paid this week. I need my money! 

The email address I have on file with Venmo is XXXX XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

didnt recieve all the information i requested. the following is what was asked in my validation letter VALIDATION AND CEASE AND DESIST Re : Name : Address : Account # : Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR. 
VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 
PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 
PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt
Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (GA)

I was contacted by a company called Aldous and Associates. They identified themselves as a law firm and that they are attempting to collect a debt. The debt allegedly belongs a gym called XXXX XXXX XXXX XXXX  I have never used the facilities of the gym as I am a XXXXXXXX XXXX and am unable to utilize the gym. Aldous and Associates stated that I need to pay them {$1500.00} in 30 days or they will report a negative item on my credit that will lower my credit score. I have never used the facility they are accusing me of using and if they fraudulently report that amount on my credit report, I will unfortunately, have to report them to the state attorney for violating consumer protection laws. I am an extremely XXXX XXXX who would have never been able to use a " gym '' or any fitness facility. It is a shame what this company is attempting to do.
Consumer complaint received 2023-11-22
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: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (FL)

I had to write this 2 times information lost. I had personal and business accounts over XXXX between both. I went into the bank several times and even changed my personal account to avoid fees. No one told me I was being charged {$30.00} mth since XXXX. When I found out my business name was not changed either after speaking two times to chase once phone and email XXXX and the name and bank account type still was not changed. Also I go to XXXX they charged me {$8.00} and {$14.00} per debit card transaction! The XXXX # I call guy XX/XX/year> XXXX XXXX  rude just referred me back to the bank. I asked for supervisor they left me on hold 30 mins. So thats why I made this complaint. Also my personal account had a fraud charge they cancelled my account sent card out and my address was not changed. No verification just reckless. And kept all the fraud charges {$29.00} $ {$15.00}. Its the principle they dont care if you have money in your account they try to scam you it seems.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX, XXXX : XXXX fee {$34.00} XXXX XXXX, XXXX : XXXX fee {$34.00} XXXX XXXX, XXXX : XXXX fee {$34.00} XXXX XXXX, XXXX : XXXX fee 's {$68.00} XXXX : {$170.00} I am a working class person who does not appreciate XXXX charging me money when it is plain that the funds are not available. Be aware that I am a senior and that these overdraft fee 's are coming out of my Social Security money. 
XXXX. Earlier this year, XXXX XXXX passed a bill indicating that banks can no longer charge more than {$5.00} in overdraft fee 's. 
XXXX. Clearly my funds were not available on XX/XX/XXXX and yet, XXXX kept paying money that was not there and charging me {$34.00} each time. 
How many other people has this happened to? How much money is XXXX making off of working class people who are struggling just to pay the rent, bills and food? 
If the funds are not there, they are not there and yet to have overdraft protection, there is a fee for that as well. 
I've had this issue with XXXX back in XXXX and CFPB helped me out a great deal. I am hoping that this can happen again.
Consumer complaint received 2024-09-21
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: Prosper Marketplace, Inc. (CA)

I have been paying for a credit that I have been disputing charges on since XX/XX/year>. The credit card company has not been cooperative with me and at times yelled at me told me that there was nothing I can do. That I would have to pay for the charges. Ive asked the company to due a proper investigation into the charges. I have no way to log into the portal to see exactly how much Im paying for a card I have never received. The card is on automatic payment and takes money from my checking account causing a financial hardship.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (NY)

On XX/XX/year> aXXXX XXXX XXXX my phone was stolen and compromised. They changed the email and phone number related to my XXXX XXXX and accessed all my accounts through my apps on the stolen device ( XXXX XXXX XXXX XXXX XXXX ). On XX/XX/year> at XXXXXXXX XXXX, a fraudulent debit card was allowed to be linked to my Robinhood account to withdraw my funds. I did not authorize this card to be linked to my account and they did not verify my identity or that this card was mine. On XX/XX/year> and XX/XX/year> Robinhood allowed XXXX different orders " to sell '' on all my investments. On XX/XX/year> an instant transfer of {$540.00} was completed and transferred to the fraudulent debit card. On XX/XX/year> {$720.00} an instant transfer of {$720.00} was completed and transferred to the fraudulent debit card. I have offered several times to provide a copy of the police report. I have contacted Robinhood several times. Each time I have had to continue the conversation via email upload my valid ID and take a selfie so they can verify my identity. However, they allowed a fraudulent debit card to be linked to my account and withdraw funds without verification of identity. I have requested several times that my funds be returned and they do not want to return my funds. They are NOT taking the safety of their clients into account. There should be the same safety measures taken for the withdrawal of funds as there is to have a conversation with a representative. Robinhood is not willing to take any responsibility for the lack of security measures in place to withdraw funds.
Consumer complaint received 2023-09-09
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: CountryPlace Acceptance Corporation (TX)

the principle being payed vs the interest is criminal these charges are discriminating XX/XX/2023 payment due, we payed the 12 month period off. ( XXXX ) interest ( XXXX ) principal ( XXXX ) tax ( XXXX ) I called the company to reassess the ratio of principle vs interest.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I recieved a text on my cel phone on XX/XX/year> alerting me of a fraudulent charge on my Chase checking account. I was asked was this me and I typed in NO and sent the text. This was around XXXX XXXX. I was at work. When I checked my account through the banks app I saw two charges one to XXXX XXXX from my checking account in the amount of XXXX and another for XXXX dollars to a XXXX  service ( international money wire ). And the date of transaction was XX/XX/year> and I recieved an alert on the XXXX th of XX/XX/year>. I never dealt with XXXX XXXX and never heard of XXXX XXXX  transfer. I calle XXXX XXXX Chase on XX/XX/XXXX and filed a claim there were other amounts adding up to XXXX dollars the bank reversed those charges. I was told for these large amounts I would have to wait for them to investigate, they said a police report would not help my claim. They said in XX/XX/XXXX th I would get a final determination on the claim. So on XX/XX/year> I called Chase we went over the claims and I asked for the status. I gave Chase all the info from XXXX XXXX and XXXX  money transfer. Both agency had a name of a person but could not tell me. I told Chase this info as well. I was told by Chase where I have been a customer for over 10 years that they can not recover the money and are not responsible. They said I took over 60 days to report it, I reported it as soon as I was alerted and the amounts were taken on XX/XX/XXXX I was alerted on XX/XX/year>. I called in the claim way before 60 days this is not my fault me and my son are struggling I am so saddened by this. Please help us to recover these funds I had to change my bank account number and everything the old account they took the money from is closed. Please help us I was also told by a banker at a physical chase bank that a suspicious woman called customer service and was asking my balance in the bank account they had notations in red on my account page. No one alerted me of this at all either
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

RE : OFFER BY CHASE - THEY CALLED IT " MY CHASE LOAN '' ON XX/XX/ I CALLED TOLL FREE NUMBER XXXX TO FILE A COMPLAINT WITH CHASE CUSTOMER SERVICE REGARDING MY MONTHLY AMORTIZATION ORIGINALLY {$270.00} THAT WENT UP TO {$310.00} A DIFFERENCE OF {$40.00} PER MONTH. SO I QUESTIONED THE SUPERVISOR TO MAKE THE STORY SHORT, SHE HUNG UP THE PHONE BECAUSE SHE SAID, I TALKED TOO LOUD. I'VE EXPLAINED TO HER THAT'S MY NORMAL VOICE ( BECAUSE I AM A SENIOR CITIZEN ). 
SO I FILED A COMPLAINT ON THE SAME DAY XX/XX/2024 THRU EMAIL PER CASE # XXXX HERE 'S THE EXCERPT OF THE WHOLE CONVERSATION ( SEE ATTACHED BELOW ). 
IN MY DEFENSE, ALL I NEED FROM THEM ( CHASE ) TO PROVIDE CALCULATIONS ON " HOW TO ARRIVE AT THAT AMOUNT {$310.00} '' BECAUSE THERE'S NO INCREASE IN MY LOAN BALANCES EXCEPT THEY SAID DUE TO ANNUAL MEMBERSHIP FEE OF {$95.00} POSTED DATED XX/XX/2024 WHICH I PAID IT ON XX/XX/2024. TAKE NOTE : BILLING PERIOD IS XXXX XXXX XXXX XXXX 
I HAVE PROVEN TO THEM THAT I WAS CORRECT BY PROVIDING MY OWN CALCULATIONS. HERE 'S MY COMPUTATIONS : TOTAL LOAN BALANCE : {$8000.00} INTEREST RATE 13.49 % PER ANNUM TERMS : 3 YEARS. 
{$8000.00} X XXXX THEN XXXX X XXXX XXXX DIVIDED BY XXXX {$270.00} VERSUS PER CHASE {$270.00} BUT NOW IT WENT UP TO {$310.00} AN INCREASE OF $ XXXX MONTH. HOW? WHY? WHAT? 
XXXX XXXX, A SENIOR SERVICE SPECIALIST, I ASKED HER ( SEE EMAIL ) TO PROVIDE CALCULATIONS TO ARRIVE AT THAT AMOUNT ( {$310.00} ) BUT NOPE SHE NEVER DID. SHE'S BEEN SAYING TO US READ THE CARDMEMBER AGREEMENT BUT CARD MEMBER AGREEMENT IS FOR CREDIT CARD CHARGES WHICH YOU CAN NOT FIND HOW TO CALCULATE LOAN AMORTIZATION. I'VE BEEN SAYING TO HER ( XXXX XXXX ) THAT THIS IS LOAN AMORTIZATION BUT SHE NEVER LISTENED TO US. I BELIEVE SHE DOESN'T KNOW HOW TO COMPUTE IT. PROBABLY, I AM BARKING TO THE WRONG TREE. THIS IS THE REASON I HAVE TO FILE A COMPLAINT WITH YOU CFPB. 
HERE 'S MY BILLING STATEMENT TO PROVE THAT THERE'S NO INCREASE IN MY LOAN BALANCES : BILLING PERIOD : XXXX PREVIOUS BALANCE {$7700.00} LESS {$270.00} XX/XX/2024 PAYMENTS PLUS {$89.00} INTEREST CHARGE " MY CHASE LOAN '' EQUALS {$7600.00} BILLING PERIOD : XXXX PREVIOUS BALANCE {$7600.00} LESS {$270.00} XX/XX/2024 PAYMENTS PLUS {$84.00} INTEREST CHARGE " MY CHASE LOAN '' EQUALS {$7400.00} BILLING PERIOD : XXXX PREVIOUS BALANCE {$7400.00} LESS {$360.00} ( Breakdown : : $ XXXX ) XX/XX/2024 PAYMENTS PLUS {$84.00} INTEREST CHARGE " MY CHASE LOAN '' EQUALS {$7200.00} BILLING PERIOD : XXXX PREVIOUS BALANCE {$7200.00} LESS {$310.00} ( Breakdown : $ XXXX ) XX/XX/2024 PAYMENTS PLUS {$80.00} INTEREST CHARGE " MY CHASE LOAN '' EQUALS {$6900.00} ALSO I WOULD LIKE TO ATTACH " LOAN CALCULATOR FROM XXXX '' A CREDIBLE SOURCE, TRUSTED AND RELIABLE JUST TO PROVE THAT TWO ( 2 ) HEADS BETTER THAN ONE ( 1 ).
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (AZ)

I called the collections company the day I received the notice. I disputed it that day. They told me they sent XXXX  ( the cable company who made the original mistake, underlying this issue ) a notice that it was under dispute. I then spoke to XXXX who agreed to process a request to write off the remaining 9 ... a request that was rejected ( according to XXXX  ) only because Credit Control Corporation never in fact submitted my dispute. In effect, they lied. ( XXXX, employee ID # XXXX can confirm this on the XXXX side ). And a direct result of their lie was that XXXX 's attempt to cancel this utterly insane debt, was denied.

One would like to think that lying to folks about whether their alleged debt is under dispute or not would be a violation of federal law.
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CalLoan Corp (TX)

On XX/XX/XXXX we experienced severe weather disaster in our area and had XXXX + ft tree downed along with other damage at our home. First contacted our homeowners insurance who inspected about XXXX to XXXX weeks later and determined damages were below the deductible. It was estimated to cost {$2500.00} or more to clear. On XX/XX/XXXX we contacted our mortgage company, Mortgage Funding to request a deferment of the payment due in XX/XX/XXXX to allow us to use funds to clear the property. We have 20+ year account with them with excellent payment record. We were looking for tree removal contractors which was difficult due to widespread damage in the area and the extreme variations in estimates we were given. 
By XX/XX/XXXX we had no response from Mortgage Funding and sent a second request for someone to please respond. On XX/XX/XXXX XXXX XXXX sent us an email requesting photos of the damage and 3 photos were sent to him the same day. Meanwhile we found a tree removal contractor who was available and completed the job on XX/XX/XXXX. Again there was no response after photos were sent so we called XXXX XXXX on XX/XX/XXXX to ask about our request. He said your request was denied and he forgot to notify us. We sent a letter on XX/XX/XXXX to complain about their total disregard for our request since XX/XX/XXXX. This situation will cause a delnquent payment which we never had. This situation is very upsetting to us as long term customers and as senior citizens!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I asked Equfax to renew my seven year faud alert on my credit report which I have had on said report for almost 30 years. They told me they have new " policis '' and I would have to incude a copy of my driver 's license and social security card via mail in order to do this. They also said I would need to submit ( again, as I have done this both 7 and 14 years ago wehn I did other renewals ) the police report from back in the early XXXX that I filed on the fraud that happened to me. The small, local police force to whom I reported this fraud in XXXX or XXXX no longer has the report. They don't keep small items like this for over 30 years. They don't have their own server ; they don't use " the cloud '' ; they aren't a wll funded large urban police department. I explained this to Equfax ; they said that was not their concern. If I couldn't give them a police report ; they couldn't renew the fraud alert. They already have the fraud report from 7 years ago and 14 years ago! Can't they use them?! They are discriminating against me becuase I reported the fraud to my small local police agency! Apparently they only will pprotect identity fraud victims who reported to well heeled police agencies wo can afford to keep every small report in perpituity?! That reeks of discrimination ; espeically since they have the report already!! Just go look it up! I know that when the seven year fraud alert runs out, I'll be the victim of identity fraud again becuase the thief or thieves were never caught. Equfax has much too much leeway and authoirty ; the federal government needs to prohibit them from this type of blanket refusal. Why do I have to suffer again from identity fraud because I live in a rural area with a local police force that doesn't have lots of funding to keep records forever? Please make them renew my seven year identity fraud alert on my credit history. 

You should also know that both XXXX and XXXX gave me copies of my credit rerot and renewed my fraud alert seven years without requiring me to have either a police report or having to give them my social security card and driver 's license. What is the problem with Equfax?!
Consumer complaint received 2024-09-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (MA)

Navient was my loan servicer prior to XXXX. They took advantage of me and didnt help with lowering my payments and always steered me into forebearance when I called and had a hardship. They made it so I cant financially afford to pay my loans because of compounding of interest.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in addition years ago i just open my account at Bank of America at XXXX. also i believe they use to charge to much fees so later on i did close my account and no longer with Bank of America finally i just heard from the news regards how they take advantage from the public and all American nation in the united state is there any chance to receive any money with Financial compensation back please. 

Sincerely XXXX XXXX XXXX XXXX