davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX and XXXX has sued me without providing any information to me. The only notification I got was from the court saying I was being sued. The debt was owed to Bank of America for a credit card I struggled to pay. The amount was over {$2500.00}. I immediately called them to talk to them and find out more about what was going on. I set up a payment plan and began to pay. I ran into a hardship and was unable to pay one month and they immediately went to the court to get an order to garnish my bank account, both checking and savings. They stole over {$2000.00} in my student loan money without notice. From what I 've read, that in itself is illegal, to take federal student loan money. They blamed the bank for the amount of money they took and said it was up to them. I checked this with the bank and they vehemently denied that and said that they were only doing what the court order said. They refused to release the funds back to me and continued on their business. I once again set up a payment plan. This time I had learned a lesson and was faithful to my payment plan. The agreement was to pay {$50.00} every month at the end of the month. I did so, yet after I made my second payment to them, they garnished my bank accounts once again. I was told that once I made an agreement to pay monthly installments, this would n't happen. Needless to say, I am beyond furious because this is the second time they have taken every penny from me and left me without rent money, jeopardizing my housing situation. I believe this is poor conduct and probably illegal. I called them after finding out about them draining my account and they would n't talk to me about why this has happened. They say there was no payment agreement in place but I explicitly remember having a conversation with XXXX XXXX. He failed to put that in place or to even make a notation on my account to indicate such an arrangement.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. 
I want these items deleted from my credit report effective immediately. 
I am attaching proof that the Consumer Financial Protection Bureau ( CFPB ) has admitted that I was in fact a victim of this XXXX XXXX breach and they have deleted the accounts below.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

This is a two-fold issue and I'll do my best to be brief. I recently made a mobile deposit of an {$1800.00} personal check into my checking account. The bank released {$500.00} of it to my account and held the remaining {$1300.00}. When I inquired with the bank as to why this money was withheld from my being able to access it, they stated that due to the number NSF 's I've had over the prior 12 months required the funds be held from access for 7 to 10 business days. They stated there was nothing they could do after I repeatedly told them that I needed that money released so I could pay my phone bill ( the only form of communication my family has ) and so I thanked them and hung up. 
I called back a few minutes later because I wasn't satisfied with my money just being held from me like that. This time, my complaint was sent up to the CEOs complaint desk, they took my info, and we hung up. 
In the meantime, I was curious about how many NSFs I actually had over the past year, since it apparently had some influence over my ability to use my account and access funds. I discover I had quite a few, which was not surprising XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was a struggle to keep money in the account and keep bills paid. I burned up every cent of my savings and retirement to keep my family fed. All the while, as I'm struggling to keep money in the account, the bank is taking a {$29.00} fee from me for each occurence, culminating in {$840.00} in fees removed from my account over a year and a half. 
The next phone call, I spoke with the CEOs Manager of Customer Complaints and I'm told once again that theres nothing that can be done to release my money, nor can they give me back the {$840.00} in fees. They agreed to refund XXXX of the fee " occurences '' and no more. I told them that I was taking my business elsewhere as soon as was feasibly possible and we hung up. 
My complaints are : 1 ) That I have to be " punished '' by the very institution that holds my money by being forced to wait an unreasonably long period of time to access available funds. 
2 ) That a financial institution went back on their word by not doing everything within their power to take care of a financially struggling customer by choosing to keep {$750.00} in fees that they could have easily relinquished. 
I feel that my bank, a bank that that states publicly that they take care of veterans and XXXX XXXX personnel, took advantage of my situation for monetary gain. And added insult to injury by not giving me access to my funds.
Consumer complaint received 2021-10-27
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. (GA)

XXXX XXXX  CREDIT CARD -- XXXX GAS CARD ACCOUNT XXXX ONCE AGAIN XXXX XXXX HAS REPORTED INCORRECT INFORMANTION TO THE CREDIT BUREAUS ... ... XXXXIN ADDITION TO I HAVE MADE PAYMENTS ON MY CREDIT ACCOUNT WHICH ARE NOT SHOWING UP .... 

****MAY BALANCE IS INCORRECT***** THERE SEEMS TO BE A CONSTANT DISHONEST APPROACH TO THE WAY SYNCHRONY BANK DOES BUSINESS. 

I HAVE HAD CHARGES PENDING FOR 3 WEEKS AND ALL OF SUDDEN THEY WILL APPEAR AND THEN I AM OVER THE LIMIT .... 

ITS SEEMS AS THOUGH THEY ARE FINDING WAYS TO CHARGE CUSTOMERS EXTRA MONEY AND INTEREST .....
Consumer complaint received 2021-10-27
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (FL)

Directexpress debit card
 
Within two months I've had to file a claim with this company for fraudulent transactions. Both claim filings we're delayed due to the fact you can't get though the company through phone because it's gives a message that the call volume is high and then it hangs up on you.  When I did get through to them which for both took anywhere between 3 to 30 days of calling constantly to get a live representative which is the only way to file a claim. The first claim was filed in XX/XX/2019, which I tried to settle the matter with the company first. The claim was made due to the fact that the company processed a payment without my permission. I never signed up for recurring payments and when I used the card before to make a payment with them it was one time payments only. I'll was told by direct express that my claim was denied on the10 day due to conflicting information. The second claim was filed on XX/XX/XXXX because my card was stolen by someone that I had to know because they stole my card and took everything off. When I did get through to make a complaint I was told that making a police report wasn't necessary but would be a help. I filed then claim and sent all requested paperwork in. On the 10 day they told me it was denied due to conflicting information. The second claim and same results. I tried to file an appeal on the second claim and was told I can't file an appeal and received no detailed claims on the the claims results after requesting. Direct express makes no efforts in investigating claims. It's very hard to get through on their phone lines and when you do get through they transfer you 5 or 6 tomes to departments that don't know what they are doing. Even after filing a police report for the second claim they told me that they couldn't reopen the claim and the police would have to get my money back.
Consumer complaint received 2022-03-24
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. (AZ)

I have a collection on my report from XXXX, an account that is still open and active. XXXX continues to collect payments from me every month for internet service, but never thought to apply those payments to my supposedly past due balance. I was also told by XXXX that the collection account will stay on my credit report for 7 years from the day the collection agency decided to report the account instead of the 1st day of delinquency. I was not living at the address XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX during the time the services were being charged and had moved to XXXX, AZ ( XXXX ). I have attached a transcript from my communication with XXXX stating that only the credit bureau would have the authority to remove this account from my credit report and they are not sure why I would be told they can not do it. When I spoke with Equifax I was told that only the reporting Collection Agency could request to remove the account. When I spoke with XXXX XXXX ( the collection agency ), they told me that only XXXX would have the authority to request for deletion and XXXX stated the the account was not reported in error. It actually was reported in error since XXXX never contacted me about the separate bill once they decided to create a new account for me when I moved. XXXX continues to allow me to be a customer even with this XXXX collection on my credit report ( apparently a separate account ), which defeats the purpose of the negative mark on my credit. No information was ever given to me about anything and I had to wait to see this reported on my credit. It took getting a Director of Compliance from the Collections Agency to even give me a full report with the information I requested after several disputes. I don't understand how it is my fault that I was never contacted about the {$200.00} debt and was allowed to continue using services with the same company that reported me to collections. The debt is apparently not in the hands of anyone who can request removal so I am requesting it.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

SYNCHRONY BANK CREDIT CARD -- CHEVRON/TEXACO GAS CARD ACCOUNT XXXX ONCE AGAIN SYNCHRONY BANK HAS REPORTED INCORRECT INFORMANTION TO THE CREDIT BUREAUS ... ... .IN ADDITION TO I HAVE MADE PAYMENTS ON MY CREDIT ACCOUNT WHICH ARE NOT SHOWING UP .... 

****MAY BALANCE IS INCORRECT***** THERE SEEMS TO BE A CONSTANT DISHONEST APPROACH TO THE WAY SYNCHRONY BANK DOES BUSINESS. 

I HAVE HAD CHARGES PENDING FOR 3 WEEKS AND ALL OF SUDDEN THEY WILL APPEAR AND THEN I AM OVER THE LIMIT .... 

ITS SEEMS AS THOUGH THEY ARE FINDING WAYS TO CHARGE CUSTOMERS EXTRA MONEY AND INTEREST .....
Consumer complaint received 2017-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

Paypal Complaint Attempt to steal money from my account Paypal has attempted to steal money out of my checking account, by discretely requesting a withdrawal of funds from my bank checking account on file without notifying me prior and without requesting my permission. I have a current dispute with paypal ( see complaint # XXXX ), due to a chargeback paypal claims I am responsible for. Regardless of the fact this chargeback came from a customer who paypal verified as honorable and a payment method paypal also verified as acceptable. I have disputed with paypal that i should not be responsible, because I am the one out over {$2000.00}. I had no way of knowing the charge card used was unauthorized because paypal does not allow sellers access to the information necessary. Additionally, Paypals agreement basically says ; trust us and if you trust us we have your back Paypal charges large fees to use their platform boasting security and seller protection. But, Paypal has policy language that is not reasonably visible to potential buyers/sellers and paypal does nothing to make it known. Paypals user agreement is 51 pages long, 29,592 words and 177,896 characters and 3096 paragraphs. Paypals research informs them a large majority of potential clients will not read the entire user agreement. I have done a but of research, currently have a poll asking paypal users is they have read.
The entire paypal user agreement Approx. half the user agreement 25 percent or less None at all At this time, with 112 responses, current results are : A. 0 B. 2 C. 61 D. 49 In other words, 98 percent of Paypal sellers and buyers have read less the 25 percent of the user agreement. The language in Paypals user agreement allows paypal a way to charge sellers for disputed transactions. Paypal does not provide this information in Plain sight to consumers, sellers or buyers as a deliberate attempt to mislead or seduce consumers to using their platform and paying large fees for Paypals protection. If sellers and buyers were aware of this language Paypal knows they would have a difficult time justifying the fees they charge. As for this complaint, Paypal has attempted to debit my checking account for the full disputed balance prior to the completion of their investigation without my permission. Paypal made no attempt to notify me they would debit my checking account on file, therefore deliberately trying to do so without notification or permission. I am sure Paypal will claim that somewhere, hidden in thousands of words there is language that gives Paypal permission to debit my checking account at any time for any reason they feel appropriate. I am also sure more than 95 percent of the  consumers using Paypal are unaware of this. Hey Paypal, get ready for another class action. But this one there will be no settlement. I want a jury trial and I have the law form that is willing to go the distance.
Consumer complaint received 2021-10-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lima One Capital, LLC (IL)

They gave me a loan for {$100000.00}. They kept {$46000.00} in escrow. They are taking me to court for for {$100000.00}. When it was all said and done I only received {$12000.00}. They are trying to foreclose on my house when they never gave me the the full loan. In short, they still owe me {$46000.00}
Consumer complaint received 2022-03-24
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: CITIBANK, N.A. (FL)

This complaint and the attachments need to be reviewed and responded to by management. 
I was upgraded to the Macy 's XXXX XXXX card in XX/XX/XXXX, included was an insert advising that if I charge {$500.00} outside of Macy 's by XX/XX/XXXX, that I would be eligible for {$50.00} in Macy 's XXXX XXXX. Originally, customer service clerk XXXX XXXX wrote on Macy 's letterhead dated XX/XX/XXXX, that I was not eligible for the promotion because I needed to either register through the website or call XXXX, THIS NUMBER IS FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I do not know what kind of XXXX  employees Macy 's employs, but this is a huge risk and embarrassment! The letter the clerk wrote and the promotional Macy 's credit card insert is enclosed. The insert has NOTHING on it even in the terms and conditions mentioning you need to call a XXXX XXXX XXXX to enroll your Macy 's XXXX XXXX card for a promotion!
Consumer complaint received 2022-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (TX)

On XX/XX/2022 I called FedLoan Servicing to inquire about my refund for {$6600.00}. On XX/XX/2022 I received a {$3000.00} deposit to my account for less than half of this amount and have yet to receive the remaining {$3600.00}. When I called on XX/XX/2022, the agent was more concerned about arguing when I had and had not called into customer service than addressing my issue. I need to know when the remaining balance will be issued as the agent seemed to think the full balance was deposited on XX/XX/2022 when this is not the case. I am missing {$3600.00} and nobody has been able to answer when I can expect these funds. My balance shows up in full although I am missing these funds. 
According to the original timeline I was given, these funds should have been deposited by now since the original refund request was on XX/XX/2022.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

I have been a XXXX overseas for 22 years. When I saw my credit used in the USA and I was not in the USA I sent all 3 credit FICO agencies every required evidence as well as the companies claiming they had lent money to me. Now I have two companies not removing their reports. They are XXXX XXXX and XXXX XXXX today and the algorithm is falsely claiming they are true plus XXXX XXXX now says I have a late payment I have XXXX late payments I also am not the owner of the loans taken I have proof of identity theft and I want these companies removed who keep this fake evidence on my report
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX card no. XXXX, XXXX card no. XXXX and Chase card no. **************** are always lowering our credit limit and it is affecting our FICO score because of the maximum utilization percentage.Our maximum utilization percentage is higher because of the lowering of credit limit and it is happening frequently.Yes, we do have debts and we are making payments every month which is more than minimum payments and we are lowering our debts in a responsible manner.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: First Technology Federal Credit Union (CA)

I was charged a {$33.00} fee for an ACH transfer fail on XX/XX/2021. The fee is completely new that was implemented on XX/XX/2021 with no notification. I don't understand why the fee is so high when a return check is only {$12.00}. It's the first time it has happened and when asked for a courtesy refund the bank refused.
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

In accordance with the Fair Credit Reporting Act these accounts listed below have violated my rights. 
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 XXXXXXXX 15. U.S.C 1681 section 602 A States I have the right to privacy. Section 604 A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (TX)

I went to XXXX in XX/XX/XXXX till XX/XX/XXXX and when I got out I learned someone had stole my account and changed my password and my username and I had called chime and tell them I needed to have my account back and my driver 's license had expired when I was XXXX XXXX so they tell me I have to get it renewed but before I could get it renewed I had went back to XXXX and just now only get out on XX/XX/XXXX and I got my identification card renewal so I've been emailing chime and they just denied me like 8 times already it's {$10000.00} that's owed to me and I need some help getting my money back and who ever stole it I think should have to go to jail I have no idea who it could be I just need my money I have been sleeping on side of road since I got out and I need help plz
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Freedom Group, LLC (UT)

Received a letter on XX/XX/21 claiming to be collecting a debt from XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX. It is fraud. I do not owe or have accounts with these companies.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

I told XXXX several times I have 2 accounts showing as duplicate account and affecting twice. the original accounts are being disputed every possible way and I will continue disputing for as long as I see it on my report indecently until it goes away. They just don't care and give a XXXX XXXX about what's on your report. The XXXX*** accounts appears twice. So XXXX*** do your job and fix it.