davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (FL)

in accordance with the Fair Credit Reporting act XXXX Account XXXX 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 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

IN XX/XX/2002 NOTICED MONEY MISSIG OUT MY BANK OF AMERICA ACCOUNT PUT CLAIM BLOCKED OUT ACCOUNT CLAIM DENIED XXXX TIME BUT NO INVESTAGATION WAS DONE NO CREDIT GIVEN N STILL NEVER RECIVED MONEY
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK, N.A. CLOSED AN EXEMPT ACCOUNT THAT RECEIVES US TREASURY FUNDS, FEDERAL BENEFITS. 

THE ACCOUNT CLOSURE VIOLATED CHASE CONTRACT ( FINANCIAL AGENCY AGREEMENT ) WITH UNITED STATES TREASURY AND THE FEDERAL RESERVE BOARD. THIS CONTRACT DICTATES THE REQUIREMENTS PLACED UPON THE BANK AND ALLOWS CHASE TO ACT AS A FINANCIAL INSTITUTION DEPOSITORY RECIPIENT. XXXX XXXX XXXX XXXX XXXX XXXX. 

AS A BENEFICIARY PAYMENT RECIPIENT MY ACCOUNT WITH CHASE WAS/IS EXEMPT FROM SEIZURE, LEVY OR GARNISHMENT. I ADDITION A COURT ORDER WOULD BE NEEDED TO PROCESS A SEIZURE, LEVY OR GARNISHMENT. 

ACTING AS A FINANCIAL AGENT FOR THE UNITED STATES TREASURY, CHASE IS RESPONSIBLE FOR REGULATION E COMPLIANCE. PART 22, TITLE 31 PART 212 SECTION E. " COMMERCIALLY REASONABLE BUSINESS PRACTICES '' THE FEDERAL RESERVE BOARD AND THE UNITED STATES TREASURY PLACE UPON CHASE " NO CHALLENGE OF PROTECTION ''. THE BANK CAN NOT FREEZE OR OTHERWISE RESTRICT THE ACCOUNT HOLDERS " FULL AND CUSTOMARY ACCESS TO THE ACCOUNT ''. A TEMPORARY FREEZE ON AN ACCOUNT WHICH IS EXEMPT VIOLATES FEDERAL ANTI-GARNISHMENT STATUTES, PROTECTED FEDERAL BENEFITS IN AN ACCOUNT, A BANK MUST COMPLY WITH PROCEDURES TO PROTECT THE ACCOUNT AS SET FORTH IN 31 CFR 212.6 CHASE BANK FROZE AND CLOSED MY ACCOUNT ON XX/XX/2017 AND WITHOUT WARNING OR EXPLANATION. CHASE BANK THUS VIOLATED THE RULES AND REGULATIONS SET FORTH IN THE CONTRACT THAT IS BETWEEN CHASE BANK, UNITED STATES TREASURY DEPARTMENT OF FISCAL SERVICES AND THE FEDERAL RESERVE BOARD OF NEW YORK.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (OH)

I recently noticed a {$910.00} charge for a grocery store on my statement. When I noticed the charge I reached out to Chime to dispute this charge. I was told to submit supporting documents for them to be considered and that the investigation could take up to ten days. Also, during the call I was interrogated and treated as if I am a criminal for trying to recoup my stolen funds. 

After the call, I submitted my supporting documents roughly 10 minutes later. Directly after submitting my supporting docs, I went to check my email and I have a email from Chime s dispute team denying my claim. They sent this denial before even receiving my documents. I work XXXX XXXX XXXX. My supporting documents are just my work schedule showing that I was working at the time of the transaction. When I called back after getting the denial, I expressed my displeasure with their decision and that I believe that there was no investigation done. Chime told me that my only options are for them to resubmit my claim for consideration or just accept the decision. I do not want to accept that an investigation was done and that I am ok with Chime REconsidering my claim as they never did review my claim. Within in two minutes of my initial call, a decision was made that I dont deserve funds stolen from my account. As a consumer its not my job to prove Im a victim. I should be able to report the fraud and feel comfortable with the idea that my bank with research this dispute diligently. That is not the case. Chime does not want to cover their customers but still be considered a legitimate financial institution. They are not upholding their promise to me as a customer and most importantly, Chime owes me {$910.00}.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My XXXX XXXX XXXX loan for {$15000.00} has not been reported properly. My XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/2020 missed/late payments were due to the pandemic and my account should be updated as such.
Consumer complaint received 2018-10-18
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: EQUIFAX, INC. (TN)

Equifax is reporting a public record, Bankruptcy on my credit profile and that Equifax is obtaining that information from a third party data furnisher, XXXX. 

I contacted XXXX and disputed this information and then sent me a copy of my Consumer report which stated : After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case # XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX Risk View Report. 

I then sent my XXXX report to Equifax but they continue to report this public record stating that XXXX is continuing to provide this data and will not remove it from my credit profile.
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (PA)

I submitted multiple disputes and an FTC report for a fraudulent account on my credit reports. 

Experian & XXXX - XXXX XXXX XXXX {$38000.00} The balance keeps increasing every month. I never lived here!
Consumer complaint received 2020-11-06
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 (TX)

I recieved a email from paypal asking that i submit a credit card to prove i am who i say i am. I followed the indtructios but now the paypal email takes me to another website i am really worries.
Consumer complaint received 2020-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

In XX/XX/2020, I noticed a debt reporting on my XXXX, XXXX, and XXXX  credit reports from TransWorld System Inc., for {$100.00} original debt is from XXXX I wrote Transworld System stating I was not aware of this debt and requested the original billing and address this debt came from, letter was mailed out through USPS with confirmed mailing slip. 
As of today, XX/XX/2020 I have had no reply from Transworld System.  Yet, this debt, which I have no information or knowledge of continues to be reported to my credit reports by Transworld Systems.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I requested a credit limit increase and was declined because a Capital One stated that they could not retrieve my credit report. That is not true. They just approved me for a card an hour prior.. and a car loan less than 30 days prior. Im on my credit report is not locked. I have checked with all three bureaus. In addition, you guys are the credit furniture.
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Received a form letter from Bank of America that they have decided to stop doing business with my wife and myself. Said that they would not give an explanation as to why and would not help re - routing money and direct deposit checks. Never over drew and always kept required balances for over three years. I think this is bad business from an institution that has had a terrible name since the XX/XX/2008 banking crisis. XXXX XXXX
Consumer complaint received 2018-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

I sent a notice in writing to the lender ( Pennsylvania Higher Education Assistance Company/XXXX ) that I wanted them to stop putting my account into paid ahead status. I instructed them to apply overpayments to the principal balance of a particular loan. I received a letter from the lender on XX/XX/2018 stating that they approved my request. However, the lender has not complied with my request. In both XX/XX/XXXX and XX/XX/XXXX, the lender put my account into paid ahead status, and has not applied the overpayment to the principal of my loan as I requested. My account is still in paid ahead status today, and overpayments have not been applied as I requested.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my extreme dissatisfaction with the handling of my disputes regarding inaccurate information on my credit report. Despite sending disputes to XXXX, Equifax, and XXXX outlining specific violations of the Fair Credit Reporting Act ( FCRA ), I have yet to receive any response from your agencies after over 30 days. Enclosed are copies of all letters previously sent for your reference. 

It is evident that your company has blatantly disregarded the mandates of the FCRA. Specifically, you have violated FCRA 623 ( a ) b ) by neglecting to label the disputed account as such, thereby perpetuating the erroneous reporting.

Furthermore, the provisions of FCRA 605 ( c ) have also been egregiously flouted. The reporting period continues to run despite the account 's last activity date being incorrectly reported. This misleading representation fails to reflect the actual date of payment cessation, thus unfairly impacting my creditworthiness. 

In addition to FCRA violations, your persistent failure to validate the collection account constitutes a clear breach of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion. 

It is imperative that you promptly address these violations and rectify the inaccuracies on my credit report. Failure to do so will leave me no choice but to pursue legal action to enforce my rights under federal law.
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (CA)

CLIENT SERVICES. Repeated calls daily ( sometimes up to 3 times a day ) since XX/XX/XXXX. They consistently are calling from a different phone number. 

I have attempted to block their phone number to make the calls stop ; Ive blocked at least 10 phone numbers but they use a new one every time they call.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022 I inadvertently transferred on line {$26000.00} dollars to my bank of America credit card instead of to my checking account. It should be noted that I had not used that credit card in probably over 1 year. When I called bank of America I was told it would be credited back to my checking account. I have called 4 times and every time I am told they are putting the money back in my account. When i spoke to a representative on Monday i was told i could write out checks and the money would be put back in my account by Thursday. The money is still not in my account after 19 days. I spoke again to bank of America representative today and now being told 7 more business days. They have repeated lied to me. Thank XXXX they tape the conversations so you should be able to document the lying. I want my money back.
Consumer complaint received 2018-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XX/XX/XXXX I received a letter from Resurgent Capital Services attempting to collect a debt on the original creditor XXXX XXXX XXXX in the amount of {$3100.00}. The original debt in the amount of {$620.00} was discharged XX/XX/XXXX. This debt is well past the statute of limitations.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Medical Administrators, Inc (FL)

On XX/XX/XXXX I recieved calls and also letters regarding some pill that were purchased from XX/XX/XXXX from XXXX XXXX XXXXXXXX. When looking up info on the creditor they do not exist since there from a bike company the letters I have recieved none of the information matches. They call & state they will ruin my credit & that I have no opinion but to pay it. The company name is national medicial adminstrators inc DBA XXXX XXXX XXXX.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (KS)

I used a prepaid American Express card called Bluebird on XX/XX/2018 to pay for a deposit on a rental car while my insurance company paid for the actual rental. My account with XXXX XXXX XXXX was closed 5 days later when the car was returned without damage on XX/XX/2018. I contacted both XXXX and Bluebird a week later when the hold of {$57.00} was not released. I was told by a Bluebird customer service rep that XXXX needed to have their merchant service provider perform a manual release so they could remove the hold. I did that twice. XXXX stated today that their policy is to hold the funds for 30 days, always. They said although the merchant service provider may issue a manual release, the Bluebird system does not recognize it and will always hold the funds for 30 days. I believe they are fraudulently refusing to let their system accept a manual release in order to collect interest on the money of millions of customers for 30 days regardless if they funds have been released by the merchant. They stated their contract allows them to do this. I believe this contract is fraudulent and wrongfully allows them to withhold funds from cardholders. I have spoken with at least 7-8 customer service reps and their supervisors, each with a different story. Two-three said the funds will be released in the XXXX and the last person I spoke to today says the XXXX. Regardless of the date, the whole process is wrong. They do not accept any automatic or manual release of the hold on the card if used for a car rental.
Consumer complaint received 2021-10-24
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: Experian Information Solutions Inc. (GA)

Reason : I am disputing account XXXX XXXX account number XXXX in the amount of {$10000.00}. I reported this account before and the company states they haven't received any information from me. Well on XX/XX/XXXX XXXX XXXX received all the information I sent over to Experian, XXXX, and XXXX via USPS. It contained the correct ID, and a copy of my police report. XXXX are saying they haven't received anything from me but continue to verify this account as mine when I have sent over the correct information numerous of times stating this is identity theft. XXXX has received my information through each bureau and are still saying this is a valid account and failing to update my credit report by deleting this Account. THIS IS A VIOLATION of the FTC. Also they have failed to provide me via usps mail or certified mail with the verification of this account. I have only received information via email from XXXX XXXX with a copy of the ID used to obtain this fraudulent account ( which is not mine ). Prior my last complaint, I emailed XXXX XXXX my correct ID along with the fraudulent one I received from XXXX XXXX. She only followed up saying " Ms. XXXX also sent this email to me yesterday as a follow-up to our response to the CFPB. Thanks!! '' I have called her at the number provided ( XXXX ) But it goes straight to her voicemail. I have to receive anything via mail from this company. I have sent them over everything possible proving this account fraudulent. This company has violated so many times as to not properly handling the dispute process and, reporting inaccurate/falsely information to ones credit report and reporting a charged off account every month as late delinquent just to name a few. The company blocked the account before on XX/XX/XXXX. Then the company rescinded the block on XX/XX/XXXX. I didn't receive a letter or anything stating the reason for the company putting the account back on my credit report but prior to me sending in my ID theft affidavit and ID back in XX/XX/XXXX, the company had all the correct information to delete the account from my credit report.
Consumer complaint received 2019-03-27
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: Professional Debt Mediation, Inc. (FL)

I have been working with XXXX XXXX to repair my credit. They helped me removed some collection accounts. Professional Debt Mediation Company Collection Account was deleted from 2 of my credit reports ( XXXX and XXXX  ) and not XXXX. XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. All of this occurred around XX/XX/2019. The complaint is nit against XXXX XXXX. My complaint is that the collections accounts has been removed from some credit reporting companies and not others. I have also been receiving collection letters from XXXX XXXX XXXX to collect a debt that is being reported by XXXX XXXX on my credit report. I also have collections accounts from XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report. I didnt give any permission for any of the original creditors to sell my debt or information to anyone and I have no knowledge of any of these debts.
Consumer complaint received 2018-10-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My identity theft is not being taken seriously and was not included in any reporting that USAA did to early warning services which has made it impossible for me to open a bank account plus it affected the current account I had causing a freeze and they are reporting information to the agency wrongfully and have not responded To any notices sent on behalf of me and the FTC on XX/XX/2018 and also they havent responded to a police report number submitted prior to that on XX/XX/2018 for the fraud committed in my name. 
It went as far as affecting my auto and renters insurance and I received nasty letters from my USAA auto and property insurance company starring they would cancel my insurance because of what USAA REPORTED. 
Ive called dozens of times to talk to a live rep and each time was put on hold to be told after 20 minutes they couldnt be reached in the security department that I would receive a call back and I never did. 
Then my email was part of my idintity theft and they continued to send emails to me even though I could not access the accounts that had been hacked.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act 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 DPT EDXXXX XXXX, XXXX XXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX 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. 

Please delete from credit report immediately.
Consumer complaint received 2021-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Hello, I have a concern that maybe you or your office can help me understand, bring to light and also wanted to be sure you are aware of what is happening in my state of Illinois. Thursday evening, XX/XX/XXXX, I learned that a good friend of mines received a check in the mail from his bank. He learned that his bank account had been closed and to continue using the banks services, he would need to come into a branch to reopen a new account. You can understand how this can be very inconvenient when we are steered towards having direct deposits from income and auto-payment for our bills and liabilities. The very next day, Friday, XX/XX/XXXX, I received a letter from my bank, Chase, that my bank account that I've had for at least one decade would be closed except I come into a branch within ten days with certain documents. My friends bank is XXXX  XXXX XXXX and my bank is Chase with the same policy. Who else out there has this happened to that we are unaware of? and What is this new practice? Why are banks now closing out peoples accounts or threatening to close accounts except contact is made within ten days or less? These letters are sent in the standard mail and we know the problems XXXX is currently having with timely delivery. Why when all other communication is sent paperless by email or push notification a crucial communication is sent by snail mail? 

Are you aware of this recent practice? and Why is it happening? Why are our bank accounts being closed? 

I thank you for your response.