davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (HI)

I was improperly served a summons to court at my rental property to a tenant. Then I filed a court document to stay them off that I had to pay XXXX or something to file since I was out of town for the court date. They gave Resurgent Capital Services a default judgement even though I followed legal docs on time Claiming they didnt have anything. It was delivered to the court before the court date. The amount of the judgement is as shown in paper attached file. XXXX. After getting the judgement I phoned attorney XXXX office and spoke to Resurgent prior to filing and XXXX office offered me a payment plan of XXXX a XXXX until paid off. I accepted and have my bank debit permission. Later I found out on my credit report that they say I owe XXXX or so dollars after deducting XXXX. The initial line of credit for the XXXX account was only XXXX Why are they allowed to charge sick usery overcharges for no reason and without proper notice??? The lawyers at resurgent claim its allowed when I contacted them. Please make them change it to the original amount. Please see attached doc.
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I got a number of calls from people saying someone was trying to steal money from my XXXX account. Then someone claiming to be with the Billing Team/Fraud Protection from Chase bank called me and said his name was XXXX ( XXXX XXXX XXXX . XXXX told me that I had to move the money that was currently in my Chase bank accounts into other accounts to keep the money safe. He said that he would give me the new account information when I got to the bank. He stayed on the phone with me all day on XXXX  and XXXX  ( XX/XX/XXXX and XXXX ). He told me that I couldn't tell the bank tellers or anyone exactly what we were doing because this wasn't usually how they handled fraud situations, but it was the most expedient way to keep my money safe. 
On XX/XX/XXXX, I went to the Chase Bank in XXXX. XXXX ( on the phone ) told me to withdraw XXXX dollars from my checking account, which I did. The bank tellers asked me if someone was forcing me to do this, and I told them " no, '' because XXXX had told me not to tell anyone. XXXX was on the phone with me the entire time. He told me not to hang up. The bank tellers did not ask any more questions. 
Then XXXX told me to go to a XXXX XXXX machine and deposit {$1000.00} into an account that he would send me. I went to a XXXX XXXX machine at a XXXX XXXX and deposited the money. He told me that I needed to go to a different Chase bank than the first bank and deposit the rest of the money into an account that he would give me. 
I went to a Chase Bank on XXXX XXXX and deposited the rest money into an account called XXXX XXXX XXXX XXXX. 
XXXX then told me to go to a different Chase bank to make another withdrawal and deposit. I went to Chase bank on XXXX XXXX XXXX and withdrew XXXX dollars from my checking account and then deposited {$6500.00} into the XXXX XXXX XXXX XXXX Again, the tellers asked me if anyone was forcing me to do this, and I said no. XXXX was on the phone this whole time. They did not ask any other questions. In total, I withdrew XXXX dollars on XX/XX/XXXX. 
On the next day, XX/XX/XXXX, XXXX called me again and told me to withdraw the rest of the money in my accounts in cash, which I did. The total withdrawal amount was {$20000.00}. I withdrew this from the Chase on XXXX XXXX. The bank teller did not ask me any questions about this. XXXX was on the phone with me during this transaction as well. 
XXXX sent a " courier '' to my house who collected {$20000.00} dollars, which I was told would be placed into my new secure accounts. I recognize now that this was a scam. I wish there had been more checks in place when I was withdrawing large sums of money from Chase in a short time frame.
Consumer complaint received 2017-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Neon Newco Corporation (GA)

On   XXXX    XXXX , 2017 I made a transaction on my netspend card that did not go thru but the money was on my account in the amount of  XXXX . I contacted the company to see why the transaction did not go thru and why money was still in a pending status on my account. The rep advised me to wait 24 for the funds to be release. on  XXXX   XXXX , 2017 the funds still have not been released and the rep stated that I have to wait an additional 24 hours for me to receive my money.
This is unacceptable in my eyes, Why should I have to wait for my money. Is have been well over seven days since that transaction. My bill is late due to this hold on my funds. I am a single mother of  XXXX  living paycheck to paycheck that can not afford for my funds to be held up with no explanation.
Thank you,   XXXX   XXXX
Consumer complaint received 2024-03-23
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. (NY)

On Thursday, XX/XX/year> I've received a phone call from Chase Dispute Department in regards to the billing dispute with XXXX for the amount of {$2600.00}. Customer service representative was updating me on the status of the case and mentioned that the merchant is rebutting the dispute claim and in order to proceed further into pre-arbitration stage Chase needs supporting documentation from me to strengthen the claim. I informed the representative that I do have needed supporting documentation and will be sending them over same day since it's time sensitive matter and expect them to be fully uploaded in the system the earliest Friday, XX/XX/year> or latest - XX/XX/year> after them being submitted by me at a later time on XXXX of XX/XX/year>. I've informed representative to kindly give me a call on Monday, XX/XX/year> in case representative wouldn't be able to allocate uploaded documents or there's important information missing. Representative affirmed that. Later that day I've received a letter from Chase ( see page XXXX in XXXX ' ) stating that more documents are needed and I have a time by XX/XX/year> to provide Chase with required documents. Supporting documents were uploaded by me as promised to Chase via document upload center ( see a copy of supprting documents for the case in XXXX ' ). Notwithstanding, following day on XX/XX/year> I've received another notice from Chase, stating, contary to the previous notice, that the disputed charge was considered valid and Chase wasn't able to confirm a due credit ( see page XXXX in XXXX ' ). At this point it is assumed that Chase subjectively closed the time-sensitive case without even validating the previously uploaded documents for time-sensitive investigation.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (NY)

I was informed that opening a TD checking account and redeeming my points into it would result in double the value. According to a representative, when I claimed my points, I was supposed to receive {$960.00}. However, upon redeeming my points, I only received {$460.00}. I contacted the bank to address this discrepancy, and they acknowledged a system issue and assured me that it would be automatically resolved. Despite multiple calls and several days having passed since I redeemed the points and reported the issue, it remains unresolved. This problem initially arose on XX/XX/XXXX.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens had closed my credit card ending in XXXX ( Citizens Cash Back Plus ) due to inactivity for 3 months, but I was planning to use it until I got this notice in the mail. Prior to the close, I never got any notice or warnings that my account was going to close due to inactivity. They closed the credit card on XX/XX/2023. 

I called immediately on XX/XX/2023 to see if I can recover the account. The phone representative transferred me to an account specialist, they said they will investigate and try to re-open account along with a hard inquiry which I agreed to do. I was told to call the following week to get an update. So I called on XX/XX/2023 to follow up. This time the account specialist claimed that there's no notes on me speaking to a past representative or other specialist so they had to try and re-open it again. They told me to follow up again on Thursday, XX/XX/2023. 

Today is XX/XX/2023. And I'm noticing the same pattern happening. Firstly, I spoke to a general credit card representative and he told me that my account got re-opened so I was initially excited, but then he noticed that my rewards ( {$45.00} in cash back ) was not available, so he transferred me to account specialist Account specialist ( this time her name was XXXX XXXX told me that there's no notes about any previous calls again. So what is going on here? Where's the data organization? Are these reps taking this seriously? Why are they not keeping notes of my previous calls and no status updates? This is getting ridiculous. I informed XXXX the specialist that I got a physical mail that my credit card closed, so she indicated that if I got this physical mail then there's no recovery of the credit card ( despite my 100 % on-time payments, low credit utilization and high credit score ). Of course this is not matching up with what the general rep told me previous. Why did he saw it was opened back up while the specialist has different answer? Something is not right here. Things are not matching up. 

So I asked XXXX, am I at least able to get back the {$45.00} in rewards reimbursed to me since I worked so hard to earn the cashback as a loyal customer? And she said " no '' because if the account is closed then its unrecoverable and the points with it are gone. 

I'm not sure why this credit card company gives me the most hardest time out of all credit card companies. But I think this should be investigated thoroughly because not only are their information inconsistent, but they are not making notes, being lazy, not doing their jobs and they do not respect customer loyalty ( although I shouldn't expect that ) but to close my credit card and not recover it immediately should be rectified by the company. Something is being overlooked so I wanted to bring this to light. 

I felt as if this company just stole my wasted time, effort and money that I earned legitimately with no repressions to their actions or to their own business ethics for customers.
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On my credit report, XXXX claims that I owe money in their collections. For what, I can only assume? I do not owe the debt, I was incarcerated in the XXXX Department of Corrections and Rehabilitation. I attempted to dispute it and was denied a thorough investigation. The collections obviously changed companies because the date stated is in error. If it's traffic tickets unpaid in XXXX and XXXX, it wasn't me, because I was incarcerated in the XXXX Department of Corrections and Rehabilitation. I received mail once on this matter, many years ago, but never heard anything about it again. If I was responsible and owed, I'd of paid the debt. But putting something in collection without my knowledge and adversely it impacting my credit score without notification is wrong. I have a valid DL and only received one traffic infraction in XXXX, which I paid immediately to the XXXX XXXX XXXX in XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion reported child support obligations listed on credit report on XX/XX/2023, breaching consumer rights under the Fair Credit Reporting Act ( FCRA ) by disclosing sensitive and protected information without proper consent or verification procedures, resulting in potential discrimination and financial harm. There is no knowledge of such obligations or any forms of consent to debt. The amount publicly displayed on credit report is {$180000.00} which states filed by Wisconsin with reference number XXXX.
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONRAD CREDIT CORPORATION (TX)

Buy a business to participate and a type of presentation which ended up with my information been enrolled in a program for which I did not know that I was be held liable for any type of repayment this was totally a slam and I oppose the Debt from XXXX XXXX XXXX.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX  XXXX Balance : {$200.00} XXXXXXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$350.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance XXXX {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$150.00} XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (FL)

Paypal after over 15 years of business chose to terminate its relationship with me. While I used Paypal for some business sales. I generated a balance of over {$15000.00} held in a 90 day reserve. Almost all that money held in reserve has now well exceeded its 90 day hold period. 

Paypal is now unjustly holding my funds without compensation at current market rates. I demand my funds be released and or compensate me with current interest rates for using and or holding my funds without my permission. 

my account is XXXX XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MS)

My account with JPMCB was never late. I have had exceptional payment history with JPMCB and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in months of ( XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( JPMCB ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2017-07-18
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. (IL)

Experian continues to report numerous unverified inaccurate information on my credit report, which is against the federal law. I have repeatedly asked how and who is verifying these inaccuracies. To this date I have not received anything verifying these inaccuracies. I have spoken to various personnel and visited the county recorders office and the clerks there stated that they DO NOT verify or even communicate with credit bureaus. So there is NO way my dispute was ever handled the proper way. Experian obtains public record info from 3rd party companies such as   XXXX   XXXX   NOT from the actual courthouse. So this means when they " investigate '' and Experian says the furnisher of the information is the courthouse, that is a big fat lie. How can Experian say they looked at my current public record to verify a dispute when that info can only be ACCURATELY furnished by the county recorder ... that very same county recorder told me that they do n't provide that info to Experian. I also have numerous address and names and social security numbers attached to my Experian credit report that DO NOT belong to me. How can Experian have various social security numbers on my credit report and state that my report is accurate. That right there is ridiculous. I demand that these inaccuracies be deleted immediately or I will sue Experian for each violation. I am tired of going back and forth with Experian about this and I am prepared to sue them. I have attached drivers license to prove I was not living at these addresses Experian has attached to me along with the inaccurate information on my credit report
Consumer complaint received 2024-03-22
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (NC)

I am already being garnished in my wages at 15 %. I am repeatedly hounded by phone to make rehabilitation, which I have agreed to twice. Both times, they say they ca n't collect from my bank even though the funds were available in my account. This collection agency is consistently harassing me, although I 'm already being garnished. I have tried repeatedly to follow their measures, to make rehabilitation. On  XXXX / XXXX /2017, I agreed to make payments for loan rehabilitation in the amount of {$38.00} each month, drafted from my bank account. One payment was drafted and then never again. I called to ask why and when the payment would occur, and the collection agency was elusive and belligerent. This has happened twice. I have signed up for rehabilitation and they draft my payment for the first month, but then never again, blame it on me. and keep collecting.