davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

In XX/XX/2023, PayPal randomly " permanently limited '' my account ( XXXX ID - XXXX ). I tried to close my account, and PayPal is preventing me from closing the account. I also tried to delete my financial information, and PayPal is also preventing me from doing that ( credit card and checking account information ). I do not wish for PayPal to hold my financial information against my will, especially since PayPal has access to my banking accounts.
Consumer complaint received 2017-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services (MS)

After submitting an complaint with  North American Credit Service-Mail  on  XXXX / XXXX / 17  regarding collections being placed on my credit with no proof of  VALIDATION  they responded in  XXXX / XXXX / 17  with a letter agreeing to removed the for  XXXX  but not the  one  for  XXXX . I contacted them via phone regarding this issue twice. They told me that because  XXXX   XXXX  is my daughter and her paternal grandmother took her to the doctor in another state that they would not removed from my credit and they would send me the agreement her grandmother signed. Well when I had not received the paperwork I called the company back they tried to make me give them all of my personal information I then advised them they needed to read the information that they have in their systems and I will let them know if its correct or not. THEY HAD ABSOLUTELY NOTHING correct Address phone etc. I then told them that since they did not have the correct information they could not Verify nor Validate the debt before they submitted it to the credit bureau. The gentleman then gets upset and tells me let HIM TALK AND DO NOT TALK OVER HIM because I refused to provide him with anything other than my name because his company should already have it if they Validated these collections. I then asked to be transferred to someone that will have this removed d ue to 1 ) Her father   XXXX   XXXX   XXXX  and his mother  XXXX   XXXX  signed those for ms 2 ) I do not have a contract with them nor the hospital 3 ) T hey were NEVER able to validate and verify the debt. and that it is against the law for them to place that collection on my credit. The guy told me to hold and hung up the phone.
Consumer complaint received 2017-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc (CO)

XXXX   XXXX   XXXX  sent me to collections for medical bills in the amount of {$1700.00}. These are not my responsibility to pay.     These medical bills are from a worker 's compensation case and I have a CO  XXXX   XXXX  case and court order stating that the employer is responsible for all medical bills due was a result of the injury.     All of the medical providers were given copies of the court order back in early  2012 (  my court order is signed  XXXX   XXXX  by Administrative Law Judge  XXXX   XXXX   ),   yet  one collection agency, United Resource Systems  out of  XXXX  CO, is still trying to collect that debt from me.     They, among other collection agencies, such as  XXXX    XXXX   and  XXXX   XXXX , have been reporting medical bills related to my injury, to the  XXXX  major credit bureaus, which has seriously and irreparable damaged my credit.     I expec t United Resource Systems to cea se and desist all attempts to collect these debts from me, as well as remove these accounts from my credit report immediately.     They are directly violat ing CRS 8-42-101 ( 4 ) by pursuing  me to pay these debts.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On  XXXX   XXXX , I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with CapitalOne for years and have always paid my bill, and they had not received a bill since  XXXX   XXXX . I logged into  CapitalOne 's web site immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on  XXXX   XXXX , but have no communication  from CapitalOne sayin g as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this. Two days later I was notified by my credit monito ring my credit score  dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for th e CapitalOne  account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.   
I have been a customer for many years, I do not carry a large balance, maybe 10-20 , which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report, two days l  ater was the first time anything appeared on my report regarding them and the next representative was unable to help at all.
Consumer complaint received 2017-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

XXXX / XXXX /  XXXX   LEGAL ORDER FEE DEBIT CASE #  XXXX  {$120.00} from  Wells Fargo.  Apparently, no funds were remitted to garnishee because there were no funds available after {$120.00} was deducted from my account. In fact, my account was overdrafted {$71.00}.
Consumer complaint received 2017-05-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (AZ)

I leased a car with  XXXX   XXXX   XXXX . I turned the car in  XXXX   XXXX . I received a final bill for a lease turn in fee for  XXXX . I paid the Bill on  XXXX / XXXX / XXXX  for the amount of  XXXX . I heard nothing fromToyota until  XXXX   XXXX ,  XXXX , when I received a collection Letter from Central Credit Services LLC. I contacted  XXXX  and they said they started an investigation. I contacted  XXXX  to ask for a copy of the cashed check.  XXXX  told Me  XXXX  returned payment on  XXXX   XXXX ,  XXXX . I sent another  Electronic  payment to  XXXX  on  XXXX / XXXX / XXXX . I called  XXXX  to verify payment where they forwarded me to  Central Credit Services o n  XXXX / XXXX / XXXX .  Central Credit Services tried t o Verify Payment with  XXXX   XXXX   XXXX  and they still claim no payment received. I have included  XXXX  files number  XXXX  joint account in which I share with my son  XXXX   XXXX . The  XXXX  page shows the electronic payment made to  XXXX  on  XXXX / XXXX / XXXX . The second file is a message from  XXXX  that shows  XXXX  sent back payment. The third file is the payment made once again to  XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX . If you have any questions or need additional information please let me know. I have also disputed claim with  Central Credit Services by certified  mail.
Consumer complaint received 2017-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc. (MI)

I received a letter from the  XXXX   XXXX   XXXX   XXXX  on or about   XXXX   XXXX   XXXX   They claimed to be collecting on behalf of  XXXX   XXXX  for the amount of {$900.00} ( to  XXXX  Bank with acct number but no other information and I have no memory of such an account ), of which they are willing to accept a total of {$270.00}. I have  XXXX  recollection of any such debt, so I sent them a debt validation letter on   XXXX   XXXX   XXXX   ( as is my right under the Fair Debt Collection Practices Act ). I sent it Certified Mail with Return Receipt through the  XXXX .  XXXX  picked up the letter and signed for it on   XXXX   XXXX   XXXX    . ( I have proof of both mailing and receipt. ) In the letter I sent, I requested that they send me ANY information they have about this supposed debt, proving that I owe it, and that they can legally collect the alleged debt. I gave them 30 days to do so but received nothing from them.     Yesterday,   XXXX   XXXX   XXXX    , I received a call from  XXXX , once again requesting payment of this alleged debt. They have sent me no proof that I owe such a debt and refuse to give me any further information beyond, " this is a valid debt. '' If it 's valid, they need to provide me with reasonable proof of such and, as of yet, they have not done so.
Consumer complaint received 2017-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NV)

I received a coupon by mail to ope n Chase checking and savings account with {$500.00} bonus. For savings account I was supposed to deposit {$15000.00} and for checking I needed to setup direct deposit. I have fulfilled all requirements, however right after that Chase changed its rules, and now I have to set up direct deposit from specific vendors. When I opened the account I specifically verified whether they accept any direct deposit, and the answer was " Yes '', and now they say that if my direct deposit not coming from SSA or an y government, it does n't count. Also, I advised them, that my direct deposit is coming from payroll, and I am a   XXXX   getting paid for   XXXX  , but they would not accept it. I 'm   XXXX   XXXX  , and I get very   XXXX    when people play games with me in order to make me feel miserable. I feel like I have to start a class action suit or hire an injury lawyer for driving me to  XXXX  with constantly changing rules and meaningless mind games. I want people to know that Chase is fraud.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: COMMERCE BANK ()

I have an personal account with Commerce Bank and I still have a balance in my account. On Thursday XXXX, XX/XX/XXXX, XXXX time, I tried to log in to the account and found that I couldn't log in. I called the bank XXXX XXXX, and the bank 's staff enquired and said that my account was closed. She said the bank would email me with a reason and call me within 2 business days to see what to do. But on Friday night, I never received an email, and I sent an email to enquire and received no reply. Early Saturday morning, I called the bank 's service number XXXX again to consult, and the new staff said that she was not very clear about the matter, and asked me to contact other department later. I haven't received any reply ever since then.I have contacted three times for this matter, there is no way, please ask for your help.
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America is applying my monthly payment to my 0 % transfer balances first and then applying whatever is leftover above the minimum due, to my 15 % purchase balance.   This seems in direct violation of th e 2009 c redit card act? Where payments must be applied to the highest interest balances first?
Consumer complaint received 2017-05-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

EXPERIANS UPLOAD SYSTEM DOES NOT FUNCTION.THEY REQUIRE TIFF OR PDF IM ATTACHING BOTH INVESTIGATION DOCUMENTS IN BOTH FORMATS
Consumer complaint received 2017-05-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: General Motors Financial Company, Inc. (NJ)

I signed a new car lease for a   XXXX    XXXX   XXXX   XXXX  with  XXXX   XXXX  in  XXXX , New Jersey through  GM Financial.  I was promised that my vehicle would contain standard features ( including an illuminated shifter console ) in addition to other add-on features for the LT model. When I received the vehicle after signing the lease, I discovered that the " standard equipment/feature '' that was promised in my vehic le ( a n illuminated shifter console ) was not present in my vehicle.  XXXX   XXXX  and  XXXX  GM  have refused to repair or replace the vehicle to provide me with the features I was promised pursuant to the lease agreement. I have made multiple attempts to resolve the issue and even though  XXXX   XXXX  and  XXXX  GM  acknowledge that this " standard equipment '' was accidentally left out of my   XXXX    XXXX   XXXX   XXXX , they have refused to resolve the issue in any way.  I  continue to pay the lease amount under protest, trying to work toward a resolution where the contract I signed is honored and what I was promised is delivered.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

When  XXXX  made the change from  XXXX  to Visa,  XXXX  issued me a new credit card. I am also a   XXXX   banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out v ia   XXXX   XXXX     credit score mon itoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX   membership fee ( automatically ) on that card, and was never told about it. By that point my payment   was about 6 months late and had an addition   XXXX   dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that   XXXX    dealt with this situation poorly.      However, this event has turned out to have a profound impact on my  credit score.  The day it happened it fell b y   XXXX  points  , and has recovered    XXXX     points  in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting if any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have a right to privacy. 

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions. 



I am requesting for the original copy of the agreement terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2017-05-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I would like to submit a complaint regarding  XXXX . It has been well over 30 days and  XXXX  never investigated and did not send me results of the accounts and inaccurate information I disputed on my  XXXX  credit report. I mailed a written dispute to  XXXX  on or about   XXXX    . I disputed several inaccurate, erroneous and unknown accounts reporting on my  XXXX  credit report/file and requested an investigation by  XXXX . The following information and accounts were disputed and investigation requested ; any and all public judgements,  XXXX  #  XXXX , Louisiana  XXXX   XXXX  #  XXXX ,  XXXX  Mortgage #  XXXX .       It is well settled, per the Fair Credit Reporting Act that credit reporting agencies/bureaus have  XXXX  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer.   XXXX   has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information.
Consumer complaint received 2017-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I believe that I am a victim of a fraudulent act. I attended   XXXX   XXXX   which is now shut down. During the time I was attending   XXXX   XXXX  , While I was meeting with the  Financial Advisor , I saw her computer screen and saw some fees that was n't quite correct. I saw that I was being charged for " gas, dorms, food etc. I asked the  financial Advisor  why It says I have Gas and Dorms, food fees if  I drive my  own car and pay for my own  gas & food and m ost importantly I am not staying in a dorm nor the school is paying for my rent. She decided to ignore the question and told me that " it 's nothing ''.
Consumer complaint received 2017-05-11
Product: Credit card or prepaid 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: REGIONS FINANCIAL CORPORATION (OH)

We were using the  XXXX   XXXX  MasterCard for fuel for our company vehicles. We just established this account in  XXXX . All employees  that drive  company vehicles were assigned a card with a unique PIN to avoid unauthorized transactions.  XXXX   XXXX   XXXX   XXXX  contacted me via email on  XXXX / XXXX /  XXXX   about suspicious activity on one of our employee 's cards. After looking into it, we discovered that this person 's card was used to run up over {$2700.00} in charges, while the employee was in a different city on a jobsite with the card in his possession. Only explanation is the card number was stolen by a skimmer on a gas pump. I was told to fill out a form to file the claim. I have conflicting emails from this company telling me how to file the complaint - some told me to fill a form out and email it, others told me to file online. I did both. Afte r 4-5 attem pts - I was finally able to get somebody to look into the claim. This was in late  XXXX . I have many emails showing my repeated attempts to get someone to help me with this issue. All that they do is open a claim for you, email you the claim #, then close the claim without doing anything. I received an apology via email for their poor service. I was promised resolution by  XXXX / XXXX /  XXXX  . I did not receive any further communication until  XXXX / XXXX /  XXXX   at which time they denied the claim, stating that the disputed charges were not covered under our Terms & Conditions due to a "  10 card rule ''. They said this is one of the many reasons they provide us with " tools necessary to monitor your account on a real-time basis to identify unauthorized use proactively ''. However, I can not get anyone at the company to tell me how this card was used without the employee 's unique PIN number. The PIN numbers are supposed to be one of the " tools '' to prevent these incidents, and clearly this did not work. Also since I short paid our invoices by the fraudulent amount, they cut off all of our fleet cards without warning, leaving our drivers in bad positions because they could not purchase fuel when needed. This company has the worst customer service department and response time of any credit card company that I have ever worked with in my 25 years of experience.