davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I accepted my first 2 transactions through the Chase Banking App for businesses. One transaction was for {$800.00} and the other was for {$1200.00}. The next day I got an email stating that my payout failed. I went to the Chase Bank on XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to see what was going on and the bank manager called to try and get a resolution and they thanked him for verifying me and told him that they were going to keep my business checking account open and not allow me to accept payments form customers. They told him they would send me an email about what would happen with the money. I got an email from Wepay, Chase 's merchant processing company stating that after careful review it was determined that they would no longer process payments for my account and have closed the account. I replied asking why and they sent me an email with instructions on how to appeal the decision. I sent the requested items ( 6 months bank statements of prior processing, my state business registration, the invoices to the customers ) The only thing I did not have is a website which I explained that I am currently working on that and all my business is by word of mouth. I got a return email that said after looking into the details of my account they will not process any payments for my business and my funds have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2024. Since then I have called them several times and I was told that I could only email the appeals department so I have emailed several more times to release the funds so I can complete work for my customers and I get the same email response that they will not process payments and will keep my money in reserve for 120 days. The fact that I can not get a clear answer as to why this is happening is beyond me. This time of year is slow for my business so all funds coming in are needed and the loss of these funds have adversely impacted my business.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation (CA)

On XX/XX/2023 I requested that Albert Genius close my account. They would not, as I was told I had to unlink my primary external bank account. I tried to unlink my external bank account, but I kept getting an error message stating Unable to UNLINK primary bank account. I informed the customer service rep at Albert about this error. I tried over multiple days and I could not unlink my primary account. I was charged an {$8.00} by Albert and it caused a {$30.00} overdraft. I made the rep at Albert aware of this. I also filed a complaint with the Better Business Bureau to no resolve, as Albert insisted that I needed to unlink my bank accounts continue with account closure. However, I can not unlink my bank accountant because their system wont allow me too. Today, as I logged into my bank account, I had another {$8.00} charge from Albert Genius AGAIN. And I was charged a {$30.00} overdraft fee by my bank AGAIN for the second time in 2 months. This was after over 10 emails with customer service reps informing them to close my account. And after the Better Business Bureau complaint, Albert answered that I must unlink my account. But I can not be because the system will not allow me to. I want Albert to close my account and stop withdrawing funds. I would also like a refund if the {$16.00} in charges AND the {$60.00} in overdraft fees that Albert has caused.
Consumer complaint received 2024-05-11
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: 950 Credit Inc (MS)

I have been trying to get housing and have been unable to due to the negative items on my account credit reports through the following credit bureaus : XXXX, XXXX XXXX, and XXXX. I have disputed all these negative items redundantly without proper investigation. The negative items include : Collection Accounts from XXXX XXXX XXXX XXXX XXXX TN Child Support Late Payments : Credit Rent Boost XXXX XXXX XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Unde

r 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' There should not be any damages on my account. It is a declamation of character. These damaging items have preventing me from obtaining housing, growing my business as a professional, obtaining better employment, and credit needed to be successful and to take care of my family,
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act DEPT OF ED / XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Misconduct by XXXX XXXX XXXX is well known and documented. I received notice from the Department of Education on XX/XX/XXXX that my XXXX student loans associated with that school would be XXXX due to misconduct ( that letter is attached, see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Evidence XXXX ). 
I also have a private loan with Navient for XXXX XXXX XXXX. Navient has a program to discharge these loans based on school misconduct. As XXXX XXXX XXXX 's misconduct is well known and documented, I submitted a School Misconduct Discharge Application to Navient, with over XXXX pages of evidence. I've included the personalized attachments here as well as the itemized list of attachments I included with the mailed package. My application was received by them on XX/XX/XXXX, according to the post office. 
On XX/XX/XXXX I received a letter in my Navient inbox stating my application for discharge due to school misconduct is denied. The reason given is that my loan type ( XXXX XXXX ) does not meet the criteria for this program. 
The facts are, this loan consolidated XXXX loans, both of which were loans for XXXX XXXX. Navient is the holder of this loan. The XXXX loan was disbursed for XXXX XXXX. XXXX XXXX has well known and documented misconduct, so much so that the Department of Education shut them down in XXXX. There have been myriad successful lawsuits against XXXX XXXX further proving their misconduct. What does my loan type have to do with this? The facts remain the same. The loan type does not change any of the underlying facts. The XXXX XXXX absolutely applies here. 
XXXX XXXX XXXX steered me toward these loans. Navient now holds the loan. XXXX XXXX was found to have committed gross misconduct and closed down. That the loan is a XXXX loan does not apply.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NY)

I have four accounts that are unlawfully added to my credit report I've tried to contact XXXX XXXX and XXXX for over 2 years and they have not removed these accounts even with proof that I was not liable for these accounts. 42 USC 408, 15 USC 1681 states that I have the right to privacy and any loan and or credit card company that asks for a social security number is commiting fraud. Violation of RICO
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/24 I used paypal to pay a merchant because I was under the impression that paypal transfers are quick. The merchant informed me that he can not start of the piece I commissioned since Paypal is holding the funds for 21 days. He needed part id the money to purchase the raw materials for the piece. Additionally Paypal will bot allow him to return the funds since they are on hold, so I can not get my money back to pay another way. I called paypal and they said this was their policy I asked them where it says that. Certainly it does not say that when I am about to sent the money. There should be a wanting that fund can be held for this excessive amount of time.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

I am not liable for this debt due to me never having a contract with this corporation also it is illegal and unlawful to attack someones credit report 42 USC 408, 15 USC 1681 which states I have the right to privacy and my credit should not have been attacked without written consent from me. They are also in violation of RICO for double dipping
Consumer complaint received 2024-07-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions LLC (MO)

I was told that I have a debt with this company, when I called to verify the debt and tell them it isnt mine, they wouldnt verify the debt with me without me paying them {$1.00}. I asked why do I have to pay to look into an acct thats not mine. He insisted that its mine and the only way to give me details is by paying him, I asked for a supervisor to explain this is not my debt and I shouldnt have to pay to have this investigated, he said hed send them a request to have a call back made to me. I never received a call back. I am unable to finish my schooling because of this. This is stopping me from enrolling into my new school.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

This company continues to furnish negative information to the banking institutions about accounts/Checks that were open/deposited due to identity theft. Since being XXXX XXXX XXXX XXXX XXXX XXXX  I have trouble with extra deposit holds that are due to the reports from Chex systems. This Company has been informed and sent copies of FTC and police reports and have failed to removed the negative items that's holding up my bank accounts.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

My personal information was used without my consent in order to open credit and put inquiries on my credit report which is hurting my credit. 

XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (MI)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX AXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

I'm unaware of this debt, I didn't have opportunity to dispute this debt information. If in fact you believe I received property notification then please send me a certified receipt with my signature on it stating that I received it. If you can't provide that I ask that you remove this debt off my report immediately, if you don't you are violating my federal rights.
Consumer complaint received 2024-07-09
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. (IL)

Several check-ups performed without my consent. 
XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize any of these credit checks
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOLEDO FINANCE CORPORATION (OK)

This company listed my account as a charge off causing my credit to go down XXXX pints when I was never late and paid on time. I wonder if this is a regular practice for them. This is unfair and should not ever be a problem again. I have proof I was never late in the sort time I had an account with them.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (GA)

XXXX is reporting I have XXXX late payments, XXXX is reporting XXXX and XXXX is reporting XXXX late payments on my paid in full, closed Ford auto loan account. The account is also closed and paid and still reporting a late payment. 

Ford gave a generic answer and the credit bureaus who prey on the poor working class was fine with that investigation because of the unfair practices as well.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (OH)

Received 2 phone calls from XXXX  XXXX ref # XXXX and one from Discover ref # XXXX that someone is XXXX TX is trying to open an account with the last 4 of my social in my name. They want to send me directly to you and will not let me contact you directly which leads me to believe scam. Discover call came from ( XXXX ) XXXX which shows as scam on internet. 
I need to know if these are really scam calls or should I be notifying the credit bureaus. Calls tell me you will solve the problem.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I can't access the account anymore but will do my best. Around the last quarter of XXXX  I belive it was, I had a capital one 360 checking account. The account had some unauthorized charges. I reported this to capital one and then a few days later they randomly closed my checking account without telling me and when I asked them why they did that the cs rep told me that they closed it and I would never ever be able to have another 360 account again. They were talking to me like I was a terrible human. I want to know why the account was closed.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

The problem here is PayPal, as a credit card processor. 

Back in XXXX, I saw two XXXX charges from a merchant with whom I have recurring charges. I didn't know what they were, so I tried to contact the merchant and my son ( who uses that account ) but couldn't reach either. After a week, I disputed the charges, which led to a chargeback. 

Later, my son told me he did want the charges. I called XXXX to cancel the chargeback. They did so and credited the merchant. However, PayPal, the processor of the credit card charge, still shows it as outstanding. 

PayPal claims they never heard from XXXX and keeps telling me to contact my financial institution. XXXX has sent me proof, but PayPal will not examine it. 

Because PayPal won't clear the chargeback, my son 's data is locked, affecting both professional and personal data valued at least XXXX figures. 

I'm filing a complaint to prod PayPal into finally clearing the chargeback, as they should have done when XXXX notified them in XXXX.
Consumer complaint received 2024-07-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (CA)

I closed escrow on a new home in XX/XX/XXXX and signed up for internet service with XXXX. Electrical upgrades were being made through the summer of XXXX, so the XXXX equipment did not work. I contacted XXXX and they put me on a vacation hold. The electrical work continued and I again contacted XXXX requesting a longer hold and they refused ( power was not restored on until XX/XX/XXXX ). I did not want to pay more for service I could not use, so I therefore canceled my account with them and returned their equipment. XXXX continued to send me bills, and I both called and chatted online with XXXX support staff, explaining I never had the opportunity to use the internet service because I had no power. I paid the installation fee and 2 months of service. When I canceled, I was told that my account would be XXXX 'd out as I never used the service. During the online chats I was twice notified my account was zeroed out and I owed nothing. Then XXXX sold my account to a collection agency. Now I am being pestered by the collection company, XXXX Account XXXX. I have notified both XXXX and XXXX Account system that I do not have any equipment and canceled my service and have tried several times to clear this up, to no avail. I contacted XXXX and disputed the account on my credit report, XXXX said the account was verified as accurate. I asked for evidence as I presented the 2 chat transcripts showing the date and times when XXXX staff said I did not owe any money and that my account would be corrected. However XXXX refused to provide me any evidence, like a signed document or other explanation that disputed my evidence, so I want to know why they said the account was accurate?
Consumer complaint received 2024-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

Since XXXX, Nelnet has been deducting 2 seperate amounts per month. The larger amount ( {$540.00} ) is not being applied to my loan. It has totaled about {$3200.00} deducted from my checking account ( seems to be about the XXXX day of every month, XXXX through XXXX ) that has not been applied to the principal amount or interest of my loan. I have contacted both my bank, who has confirmed Nelnet is deducting the money, as well as Nelnet who told me they don't know anything about that amount being deducted and don't see it on their end. I am sure they're taking the money and not putting it towards my loan which is not right.
Consumer complaint received 2018-12-19
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING Date opened XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

On XX/XX/XXXX somehow somebody got the information on my card and when in my account and spent {$710.00} at XXXX retail stores I guess buying gift cards the only thing I can think and wiped out my account in XXXX minutes I have sent every bit of proof to chime trying to get this situated they sent me photos of a digital wallet with XXXX other women 's names on cards never once show me where my card was once associated with this account at all they have denied my case and now they won't talk to me anymore I've sent other emails to them and they've ignored them or they just send me the same email saying that I'm denied I sent them videos of me in my home at the exact time that these people were scanning money out of my account I sent them text messages I sent them email showing them my time punches at work and I'm still denied. They had labeled me as the thief when there are XXXX other names on these cards that they covered up the last name of course so I can't see I am also writing them trying to get these women 's names so that I can press charges but of course still no help from them any help from you would be greatly appreciated I'm an honest woman that goes to work and babysits my grandchildren I would never in my lifetime know how to hack into somebody else 's account I'm not that educated enough on that but please any help from y'all would be greatly appreciated thank you
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/24 there was a pending debit for {$130.00} on the account without description of the transaction. Called the bank and they were unsure what the charge was because it was pending and advised to call back on Tuesday once charge cleared to dispute. Today in review of the account, the charge states it is for recovery of forced closed account. The account is and has been open and active, and was not overdrawn. I called the bank for further explanation to which none was given as to the reason the account was closed and why there was a debit for {$130.00} ( the account did not carry a negative balance at any time ).