davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (AR)

First National Collection Bureau , Inc keeps contacting me via email ( usually filtered through as SPAM ) in an attempt to collect for XXXX XXXX XXXX on a debt that is beyond the Statute of Limitations as stated in their own collection attempts : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXX XXXX can not sue you for it. If you do not pay the debt, XXXX XXXX XXXX XXXX XXXX may [ continue to ] report the debt to any credit reporting agency for as long as the law permits this reporting. First National Collection Bureau , Inc. can not sue you on this debt and First National Collection Bureau , Inc. can not report this debt to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payment on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. '' Thier own reference number is : XXXX Account is listed as : Original Account # : XXXX
Consumer complaint received 2024-03-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/year> - Received an email from my XXXX XXXX account stating that Bank of America checked my credit report in regard to a new credit card or loan. XX/XX/year> - I have notified XXXX and they issued a Fraud Alert and XXXX XXXX Department issued a security freeze on my identity. XXXX suggested I contact CFPB to report this issue. They also suggested I contact Bank of America. I will do that as soon as I submit this report. 

XX/XX/year> - Received an email and text alert from my XXXX XXXX XXXX asking if I charged {$41.00} to XXXX XXXX  from a location in XXXX? I contacted XXXX XXXX and they closed out my charge card and have issued me a new card. They stated XXXX XXXX tried 3 times to charge the {$41.00}.
Consumer complaint received 2023-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (MD)

My mortgage has gone up 3 times in XXXX! My property taxes did not go up. My homeowners insurance has gone up. I've sent countless emails to the company to the customer service department as well as the disputes department. The responses I've received had nothing to with my complaints or disputes, if there was a response at all which was the vast majority of the time. They said random people had a lien on my house for approximately {$2500.00}, which was not at all true. I checked for myself. I keep getting harassing phone calls which I do not answer, I respond in writing demanding for them to stop calling me stating if they'd responding in writing something that was a blatant lie, I have zero confidence they wouldn't do it in over the phone. I called in XXXX to ask and explain that my mortgage payment would be late due to the 6 week, furlough ( the one and only time my payment was late. Not only did they say they would make a note on my account and there was nothing else I needed to do, not even 30 days late they reported a late payment to the credits bureaus which resulted in a huge negative impact on my credit scores. During a previous complaint I complained about the false late payments they then removed all reporting to the credit bureaus, I think they sit on payments in order to justify charging late fees. I've questioned about mysterious unexplained fees on my account that were never explained but still being charged. With every correspondence I've attached my payment history going back a year each time and this is ignored and/or not responded to or corrected. I've asked them to stop sending documents to a third party on more than one instance they have yet to even comply with this simple request.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: College Ave Student Loan Servicing, LLC (CA)

My now-deceased child was the borrower on Loan numbers XXXX and XXXX ( the " Loan '' ). I was the co-signer. 

XXXX was a passenger in a car when she was XXXX on XX/XX/2023. 
The loan was in forbearance at the time of XXXX 's death, the combined balance was {$20000.00} and no payment was due. For this reason, I had no obligation to pay either. 

When I contacted College Ave on XX/XX/2023 to inform them of her death, they offered to discharge the loan, without any payment, provided that I submitted a death certificate. I did so on XX/XX/2023. 

College Avenue reported to credit agencies that I did not pay the loan. They reported Legally paid in full for less than the full balance, '' to credit agencies, resulting in an approximately XXXX point drop in my credit score, even though I had no obligation to pay, and they offered to discharge XXXX 's debt. This is akin to a bankruptcy reporting, and appears to remain on credit reports for 6 years or more. Other creditors reported " Paid, Closed / Never Late '' or Paid Satisfactorily, and those reportings had no negative effect on my credit score. 

On XX/XX/2023, I spoke with the supervisor of College Ave 's credit reporting team. He acknowledged that College Ave had made an error, apologized profusely and promised that there would be a manual fix submitted to my credit so that it would show " paid satisfactorily '' and have no negative effect on my credit score. He said that it would update on the credit reporting agencies in a couple of days. 

College Ave has not corrected its errors and the result has been that my credit score has remained at the lowered level, creditors have reacted negatively by reducing or eliminating credit available and other negative credit results have occurred. 

I have disputed this reporting through the credit agency systems, and College Ave has verified the erroneous reporting. College Ave told the credit agencies that the reporting was accurate. As such, the credit agencies refused to update the credit reports and the damage was compounded.
Consumer complaint received 2023-12-13
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: JPMORGAN CHASE & CO. (NJ)

Chase Fax Number : XXXX Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX abruptly went out of business on XX/XX/2023. They filed for XXXX XXXX bankruptcy on XX/XX/2023. Customers received an email informing us that they voluntarily filed for protection under XXXX XXXX of the Bankruptcy code but assured the consumers they intend to continue to operate and serve our customers in the normal course, and are committed to continuing to provide safe, convenient, and effective oral care to our customers. ) Additionally stating, Rest assured, our XXXX XXXX XXXX remains in place. 

I was under treatment for XXXX treatment via their XXXX services. I was awaiting a shipment from XXXX XXXX XXXX that was shipped back to them on Thursday, XX/XX/2023 due to insufficient address. I called XXXX XXXX XXXX on Friday morning inquiring about the shipment and was informed that they would have to wait for the shipment to be returned to them. On Friday, evening they posted on their website " XXXX treatment is no longer available through the XXXX platform. '' Along with stating, " Please consult your local XXXX with any questions around future XXXX  treatment. Additionally stating, All orders that have not yet shipped have been cancelled at this time, and you will not receive your XXXX. I went with XXXX XXXX XXXX for the Lifetime Guarantee and they are no longer offering. 

I made a deposit with my XXXX XXXX card on XX/XX/2023 upon receiving my images. My XXXX arrived in XXXX and I started my treatment on XX/XX/2023. I paid my treatment in full in XX/XX/2023 to prevent from going on their payment plan. I called Chase on XX/XX/2023 to dispute my charge and was told it was outside of XXXX dates. I informed Chase that I am still under treatment and they are incapable of delivering on their services, which is a breach of contract. You can not even contact customer service. My actual contract is in their app online that I can no longer access. 

As a consumer, I am requesting my money back giving these circumstance by disputing these charges for services XXXX can no longer provide. I have to complete services with another XXXX that will charge me what I have already paid this company. I believe its unfair for me to bear the financial burden of a service that I can no longer utilize. 

I have attached the following documents : XXXX XXXX XXXX Receipt with Treatment Information, which did not start until XX/XX/2023 XXXX XXXX Dispute Resolution of My Deposit on XX/XX/2023 Chase Credit Card Statement ( XX/XX/2023 ) XXXX XXXX XXXX XXXX  Bankruptcy documents from XX/XX/2023 Email from XXXX XXXX XXXX Announcing Bankruptcy ( XX/XX/2023 ) XXXX XXXX XXXX Statement from Website XX/XX/2023 XXXX XXXX XXXXXXXX article regarding the abrupt shut down XX/XX/2023 XXXX XXXX XXXX Lifetime Guarantee Commitment from their website
Consumer complaint received 2023-12-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IN)

There is a security breach/ cyber-attack with Chase Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was a total of three unauthorized transactions that happened with my account. One was for {$200.00}, the other was {$320.00} and the last was {$500.00}. When I first contacted XXXX about the {$1000.00} missing from my account, they said it was up to Chase Bank because there are the responsible party at fault and they are just a third party company. 

When I tried to address the issue with Chase, they said it was XXXX 's problem and they would issue a temporary credit pending an investigation. They did credit my account. After a few days, Chase reported that the money stolen from my account was authorized and they debited my account for {$1000.00}. 

Soon afterwards, I filed a police report and I along with my father XXXX XXXX walked into the Chase branch located XXXX XXXX XXXX XXXX, XXXX, IN XXXX. We spoke to XXXX and showed her the police report, and she called the investigation department for another investigation. To make a long story short, I asked Chase to follow the transactions and to press charges on the people who stole the money from my account. They declined. 

I asked for proof in writing that an investigation was done. They told me to come back in two weeks and they would mail them to the branch. I came back three weeks later and they said give them two more weeks.

Which leads up to today. Chase Bank said they would not provide evidence of any investigation and they wouldn't credit the account. Chase were no help. XXXX was no help and I'm sure they have insurance policies in place for such cyber-attacks.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NJ)

My Apple Card account with XXXX bank has been restricted since the beginning of the month and spending remains blocked. I have made numerous attempts to contact customer service via chat or call center and have been given no explanation as to why or how long it will remain restricted. I have spoken to supervisors and the answer remains the same, the explanation is to wait without any timeline and no additional options are given to discuss this matter further and resolve. Its an actively used card and I have automated transactions bouncing because of it and its a very uncomfortable situation. I would like to request help in solving this matter. Thank you.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (FL)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Also, this charge-off account shows a {$580.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA XXXX on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

My PayPal account was suddenly and permanently restricted without any valid reason and the funds in my account have been frozen for XXXX  days. 

I tried asking the PayPal customer service team for help but they said they couldn't help me recover my account. Just tell you whether it is a risk account or it can not be lifted, so it is a big disaster for our normal sellers. I have been using this account for some time and always work in good faith and comply with all policies and user agreements stated and in my Agree when registering an account. 

I have taken every step to minimize the risk associated with my account, but PayPal has still permanently restricted my account and says there are potential risks associated with it. 
I would request any information as to why PayPal feels they must restrict this account. There is no reason to permanently close my account as I believe I did nothing wrong to cause the account to be closed. Therefore, I am asking PayPal to re-investigate the issue and help resolve it. I'm willing to provide any information needed to investigate and help recover the account. I am willing to work with PayPal to minimize perceived risk. I'm asking you to help me recover my account. 

Reference ID : XXXX PayPal Merchant ID XXXX
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC (TX)

I never received a welcome package. I have asked for this several times. I finally contacted them through the help of XXXX for XXXX. I have asked them to change my mailing address to the property address and they have not done that. I continue to get harassing mail from them saying they will take my house for non-payment.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (AR)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, states that I have the right to privacy ( 15 USC 1681 section 604 ( a ) section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I do not give permission to report to my consumer profile/report and that you remove all fraudulent accounts immediately. There should not be any damages on my report as this is a defamation of character causing personal injury. I have been constantly harassed by these 3rd party collection companies. I have also received a response that clearly violates my rights according to HIPAA reporting & selling my information to those 3rd parties. I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts, remove ALL inquiries, pay me for violations, and update my credit report immediately I opt out of all 3rd party consumer credit reporting.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NV)

On XX/XX/23 I received a copy of my consumer report from LexisNexis and I noticed that there were several variations to my name and addresses that were not being furnished accurately. I was that the inaccurate information be removed immediately.
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (GA)

In XX/XX/2019, I was approved for a credit card with Wells Fargo for {$300.00}. During the same year I used the card to rent from XXXX to replace a totaled vehicle. During that rental I made multiple {$300.00} payments to cover the weekly rental. At the end of the XXXX submitted a final {$1800.00} bill to Wells Fargo. The bill was paid by me thru my bank account and multiple deposits to credit card. Wells Fargo raised my card limit from {$300.00} to {$2000.00} and paid the bill again. I made multiple calls to Wells Fargo to dispute and provide paperwork to show bill was paid. Wells Fargo rep told me she would reach out to XXXX and I never heard back. I received a letter stating amount was valid. Soon after Wells Fargo began charging me interest on the {$2000.00}. They then raised my limit from {$2000.00} to {$2500.00} and reported to credit bureau that I was {$2500.00} over the limit. Thereafter they continued to charge me interest and dropped my credit limit back down to {$2000.00}, and reported me further over new credit limit. I refused to make any payments and continued to tell them the charge was not valid. They reported balance as a charge off of {$2000.00}. I disputed the charge with XXXX and XXXX in XXXX. Wells Fargo reported balance as being correct. In an effort to clear the amount on my credit report I paid Wells Fargo {$2000.00} under certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX and reported it to the credit bureau as a dispute. Wells Fargo responded to dispute that I still owe the balance of {$2000.00}.
Consumer complaint received 2022-12-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I requested how the information in my report was validated and XXXX refuses to provide this information to me without supplying them 12 documents to prove who I am when this is an invasion of my privacy and a way for them to collect more information to sell to the credit bureaus. They are refusing to provide how the received the information on my report. I have contacted the court in XXXX regarding the bankruptcy and they have stated that they do not provide this information to any of the credit bureaus nor do they give this information to public reporting agency such as XXXX XXXX.
Consumer complaint received 2018-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

I have made multiple attempts to get my lost card replaced. Every time I a called in. I was told they just sent it. And every time I called they said this time well send a new card and I should receive it within 24-48 hours. I call once a week and still no card. 
I am always told that they assure me that it will be sent and the previous person didnt sent it via fast mail or via XXXX. Its been close to a month without my one and only credit card. 
As a XXXX person I cant just get up and go get cash. I have limited funds till I get my SS check also.
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

about a year ago I received a phone call saying that this was a collection company and they had bought the debt from XXXX XXXX they claimed that owed XXXX $ and that both them and XXXX XXXX have sent me information on the account< the account was not mine< it was in regards to a XXXX credit card my name for a company called XXXX XXXX, a company that i never heard of a company i never worked for a company i never owned. and after checking all 50 states data bases does not exist> i gave Portfolio Recovery my address and asked for all information application. charges payments bills they sent me 2 statements and nothing else I wrote them several letters of dispute both electronically and via mail> again i never received any information requested just to same two states which proved nothing<finially after a year i got them to send me a dispute package of papers to fill out< I filled it out sent a copy of my lease showing where i have lived for the last 7 years< copy of of proof i was working for during the periods the account was opened in 2015> I never received any response but they finial sent me again the same two statements but admitted on their billing account in Dispute. they kept on calling and harassing me and reported me to credit bureaus illegally> a few years ago i filed a report with the XXXX police depart regarding identity theft< they and XXXX XXXX has both put this item on the credit reports both> this is all illegal as to the fair credit act