davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX Account # 's ( listed below ) 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 an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX -XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX Account # 's ( listed below ) 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 an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX
Consumer complaint received 2021-09-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (WA)

Month of XXXX Transfer Fee 's and the Month of XXXX Transfer Fee 's. 

What is difficult and missing here is the cycle dates of the bill cycle in the presentation of the application that is on your cell phone. People are not aware how many transfers they have accrued nor does it show how many days left in the bill cycle. This makes it difficult to manage your savings account budge for transfer.
Consumer complaint received 2018-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Two inquiries on my Transunion credit report was unauthorized by me and I would like to have these inquiries removed immediately based on the federal fair credit reporting act. 

XXXX XX/XX/2018. 

XXXX XXXX XX/XX/2018 XX/XX/2018
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NJ)

No matter how many payments or how high my payments were, my balance remained the same. If I lost a job and asked for help, lower payments, etc it was a circus. I get bills sent, sometimes I do n't. They do not send my tax documents as requested or required and make speaking to anyone for any reason impossible. They have also taken payments without my permission. When I requested forbearance they made it a nightmare and kick me off without my knowledge.
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX had a checking account with Bank of America, account number XXXX. The account was opened ITF ( In Trust For ) XXXX XXXX XXXX, my mother. 

On XX/XX/XXXX XXXX XXXX passed away. In XX/XX/XXXX XXXX XXXX completed the required forms from Bank of America to receive the funds ( over {$1000.00} ). She never heard from Bank of America. 

In XX/XX/XXXX XXXX XXXX fell ill, was diagnosed with XXXX, and XXXX XXXX on XX/XX/XXXX. 

As executor and heir, I contacted Bank of America to find out why it had not issued a check for the balance in the checking account. It said additional forms were necessary, which my mother never received. Now that she is passed, I have to obtain the balance of XXXX XXXX 's account, but Bank of America will not release anything unless there are additional forms completed, an estate opened for my mother ( which is not necessary due to the extremely small value of her estate ), and file forms in South Carolina Probate Court - even though both XXXX XXXX and XXXX XXXX lived in Florida. Bank of America continues to withdraw {$12.00} a month from XXXX XXXX 's account as a service fee, despite being away of his passing in XX/XX/XXXX,  reducing the balance owed to my mother ( and now me ). The case number with Bank of America is XXXX.
Consumer complaint received 2018-05-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/XXXX, I deposited a check denominated in British  Pounds in my Chase Bank Checking account for the amount of GBP XXXX. I was advised that it would take 4-6 weeks to collect the funds from the foreign bank, and that the currency rate would be slightly lower than what I saw as the " spot rate '' in the newspaper. On XX/XX/XXXX, the spot rate for USD per GBP was {$1.00} per GBP XXXX, making the check worth {$27000.00} at the point it was deposited. 

On XX/XX/XXXX, I received a deposit in my bank account for the amount of {$19000.00}. This implies a USD per GBP exchange rate of {$1.00} per GBP XXXX. This is 27 % below the spot rate on the date of original deposit, and 23 % below the spot rate on XX/XX/XXXX. 

While I understand that there are fees and reasonable variations in exchange rates to be expected in a transaction like this, these are clearly egregious, taking full advantage of a loyal customer to the Chase Bank.
Consumer complaint received 2018-12-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

hi, I have been trying get straight answers from portfolio recovery associates llc from in the 2nd week of XXXX until now and they keep going around in circle sending me irrelevant papers and completely ignoring my letters regarding the debts they claim I owe them. it is very frustrating and time wasting going back and forth about validations of the debts they claim I owe, this been hurting credit file and been a big negative impact on my life I can't get any kind of assistance due to fact of these nasty negative items they put on my credit file without the proper method of validating and follow the fair debt collection practices act laws they act as if these laws don't apply to them and take advantage of consumers ( me ) I need my letters request to be answered properly and not something they throw on a piece of paper and don't care. if they can't validate these nasty negative items that keep reporting on my credit file they should be remove it is the law ( FCRA ), I also put the reference numbers for those account they claim I owe them, copies of the letter template I send. 
XXXX XXXX thanks in advance
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BARCLAYS BANK DELAWARE (TX)

I have rcvd several phone calls from this company from several different phone numbers all times of the day they have called after XXXX and before XXXX. I told the company that I have moved to another state on a previous call before XXXX and gave my new address. and apparently they failed to update their system which is clearly mishandling this account. so this morning I received a phone call at XXXX XXXX  from this company I told the representative on the phone that It was before XXXX and what address they have for me and she gave me the correct address and I advised her that it was a violation of the fdcpa to call before XXXX and I wanted to speak to a supervisor and her response was well are going to take care of this. I asked if she heard what I said and I was put on hold. A operations manager came to the line and again confirmed my address and I advised this is the 3rd time that I have gotten a call before XXXX or after XXXX XXXX and I would be filing a complaint with the cfpb and she said they have their own complaint procedure and they will file the complaint. she again confirmed my address and immediately after continued to try and collect on this debt before XXXX after me saying several times that it is a violation of the fdcpa. FDCPA sub chapter 805 section ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, ( which this comapany had contrary knowledge because I gave them a new address and they failed to update records but still had it noted ) a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX and before XXXX XXXX XXXX, local time at the consumer 's location
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2022-03-04
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (MN)

I am Citi bank Accelerated savings account. Number for last 4 digits as XXXX. 
Name XXXX XXXX. They had a promotion code and now they do not honor the terms of the marketing promotion. XXXX XXXX. account was opened on XX/XX/XXXX. 

I talked to them on XX/XX/XXXX to find when AA miles will be credited to my airline account.
Consumer complaint received 2018-12-14
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: ENCORE CAPITAL GROUP INC. (NJ)

All 3 credit bureaus are reporting that i have a account with XXXX and i do not currently the have not verified that the account is mine and i have sent 3 letters and XXXX to them and sent a letter to XXXX XXXX but i have not received a sign document from them that i do owe them and the 3 bureaus and XXXX say that it is verified but have not provided me how they verified it or provided me with any documents
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2018 I sent an Unauthorized ACH Corporate Return Form. The purpose for such for was to recover monies that were taken from my account that were not authorized by " myself '' account holder. Due to this happening my account took a hit of all sorts of fees for money that I thought was to be available and it was not. Normally there is a provisional credit until the investigation is complete and this is not the case for some reason on this claim as well as another claim I filed for a service that had not been received that I signed up for. Nonetheless the purpose for this complaint is based off of two separate incidents that transpired. 1 ) Two ( 2 ) ACH debits from : XXXX XXXX for the total amount of {$190.00}. A permanent stop payment was placed preventing further damage from this. 2 ) A transaction from XXXX XXXX for {$100.00} for a service that I signed up for and changed my mind and chose not to participate before the class was even started. As a result on this transaction I also thought that I would receive my provisional credit and this too was not the case. Therefore, the bank has charged my over {$500.00} in overdraft fees on charges that were made based on false pretenses. In most ( normal ) cases an account that does not have overdraft protection is prohibited from releasing funds that are not available from my experience and rather than be a part of the {$66.00} XXXX dollar class action that admits in wrong doing I tired to visit the branch closest to my home to resolve and during this visit they called a representative that explained that the claim forms had not been receive and I sent them SEVERAL times, as you can see in the attachments. It is now over a month and now my account is seriously a problem. I pay my daughters daycare, which is the most important expense from that account. Which now the bank has taken ALL the money that was earned for that account & applied to fees. This is not just morally wrong but its a conspiracy. Now I have to suffer for this causing all sort of financial inabilities. There are charges that the card was not even swipped for that were made to the account and again. Charges that were of knowledge were solely based of my part experienced regarding a claim in good faith. There was no reason the money should not have been made available. Especially since I never had a claim returned. Any claim based off the account it fact on my part and opened because there was good cause for such. Bottom line, why is the institution allowed to take fees for money that is not there and penalize the account holder for such. I don't earn a living to support or pay the bank. There are no incentives for doing such only financial gain. One last thing the access the fee before the item clears/processes.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I made a payment of my full balance with Capital One, after submitting the payment via the on-line system, I then closed my account through my on-line log in. 

The payment of {$1600.00} left my XXXX account the next day, yet a week later Capital One still shows a balance of {$1600.00}. I was told since I closed my account after submitting payment, I caused an error in their system. The representative stated they could clearly see the {$1600.00} payment being made in the transaction history, yet it wasn't showing in the payment history. Basically Capital One lost my ACH payment and did not credit it to my account. I feel like they stole money from me and am not sure what to do.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have rcvd several phone calls from this company from several different phone numbers all times of the day they have called after XXXX and before XXXX. I told the company that I have moved to another state on a previous call before XXXX and gave my new address. and apparently they failed to update their system which is clearly mishandling this account. so this morning I received a phone call at XXXX XXXX from this company I told the representative on the phone that It was before XXXX and what address they have for me and she gave me the correct address and I advised her that it was a violation of the fdcpa to call before XXXX and I wanted to speak to a supervisor and her response was well are going to take care of this. I asked if she heard what I said and I was put on hold. A operations manager came to the line and again confirmed my address and I advised this is the 3rd time that I have gotten a call before XXXX or after XXXX XXXX  and I would be filing a complaint with the cfpb and she said they have their own complaint procedure and they will file the complaint. she again confirmed my address and immediately after continued to try and collect on this debt before XXXX after me saying several times that it is a violation of the fdcpa. FDCPA sub chapter 805 section ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, ( which this comapany had contrary knowledge because I gave them a new address and they failed to update records but still had it noted ) a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location
Consumer complaint received 2018-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

On XX/XX/XXXX I called called carrington mortgage regarding my escrow refund that had been returned by my bank. I incurred various bank fee because this check had been cashed the week prior. I was told this was a bank error. Then I was told It would have to be researched after I provided proof of the returned checks. I went back and forth with carrington for over a week. They told me it was okay to redeposit the check and it was returned again and I have incurred more fees.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act US DEPT OF EDUCATION/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-04
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: Experian Information Solutions Inc. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uplift, Inc (TX)

On XX/XX/XXXX I received an email stating that I missed a payment from a company that Ive never heard of ( Uplift ) .This company did not tell me what the payment was for or the amount due. I have emailed several reps advising them that I did not create an account with them nor did I owe them anything. Finally, they ended up telling me that the payment is for a trip booked with an airline that I havent flown in years. They still have not provided an itinerary, payment amount, or anything else showing I have an account with them. I requested this information via email to the Director. That was 6 days ago and no reply but Im still getting emails about payments.
Consumer complaint received 2018-05-15
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: CITIBANK, N.A. (FL)

We have been setup on auto pay for our best buy credit cards for years and they recently debited the wrong bank account that has been closed for a long time. We have our correct bank account as XXXX XXXX setup as the default bank account. They don't know how the wrong bank account got debited and they reported to the credit bureau as a late payment even though they waived the late payment fee based on their error. They are stating there is nothing they can do. This has effected out business and personal matters a great deal. We have been a best buy card holder for years and never had a late payment. Also we were never notified by phone, email or anything otherwise we would have taken care of the late payment. They were extremely difficult to work with. Please if you can get this negative late reporting off of my credit score as a result in their error not mine.
Consumer complaint received 2022-07-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.