davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
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 ()

I demand that the lawyer named XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, to produce proper documentation for this claim. This lawyer is required, by law, to produce elements such as, but not limited to : the original agreement with BANK OF AMERICA, N.A. with my signature. 
all of the receipts for every transaction that I engaged in during the entire life of the use of the credit card account ending in XXXX, with details of the purchase in each of those transactions. 
payment record during the entire life of the use of the credit card account ending in XXXX up to now. 


On XX/XX/2018, BANK OF AMERICA, N.A. revealed to the Consumer Financial Protection Bureau ( CFPB ) that the credit card account ending in XXXX was transferred to XXXX XXXX XXXX XXXX. Yet the name of BANK OF AMERICA, N.A. is printed on the case # : XXXX, filed in / registered by the MAGISTRATE COURT OF XXXX in the State of Georgia. 


My request for production is legal and all of it is required by law, in order for, the lawyer named XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, to properly enter the courtroom of the Honorable Judge XXXX XXXX, located at the MAGISTRATE COURT OF XXXX in the State of Georgia.
Consumer complaint received 2018-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/XXXX XXXX Barclay denied a credit charge of {$2000.00}. When I called them to let them know that I was paying a contractor for the work done by the name XXXX XXXX they then approved the charge 0f {$20000.00}, putting me way way over my credit limit. ( XXXX has a recording of this conversation ). The contracrator made up a fraudulent charge of {$18000.00} more, The total amount was not clearly visible on the phone. ( XXXX XXXX ). I have gone back & forth with XXXX Barclay but they have refused to accept any responsibility for their grievous error which is solely on their part. 
I have made the high minimum payments for almost two years hoping they will see my side & not to let it effect my credit. 
My Total balance as of XX/XX/XXXX statement is {$29000.00} Fradulent Charge due to XXXX error ( {$18000.00} ) High Minimum payments made from XXXX thru XXXX ( {$9600.00} ) Late Fee & interest charged?

Real Balance Owed {$1400.00} I have sent them two letters on XX/XX/XXXX & XX/XX/XXXX along with one Certified Mail. Upon talking to them they asked me for a two cycle time period to evaluate & make a decision. I have yet to hear from them. The person I talked to told me that my account has been charge off.

This whole thing has affected my Credit Score to sink to a new low from the high 800 score. I would very much like XXXX Barklay to accept their error in the poor decision they made, restore my credit & give me a letter of accepting {$1400.00} as payment in full so I can pay and put this matter behind us.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I saw this account on my credit report. I have never received any information on this debt. This collection agency is in violation of my rights because I never gave the original creditor permission to give my information to anyone. I also, asked them to send me the verification process for this debt with and the certified mail receipt with my signature. XXXX also sold this debt and is reporting false payment information that I didnt make. This is a fraudulent credit card that was opened without my consent then sold to a collection called XXXX XXXX
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NY)

Dear CFPB Representative, In XX/XX/XXXX Chase raised my APR from 11.99 % to 12.24 %, then in XX/XX/XXXX raised the APR to 12.99 %, then XX/XX/XXXX to 13.24 %, then in XX/XX/XXXX to 16.24 %. I thought that low interest rates were a reward for good customers. In all of these years I have never been late and have repeatedly paid the balance off. I sent an email yesterday, XX/XX/XXXX, to Chase asking that the interest rate be lowered and they responded that they would lower my interest rate but that they will have to close the account. What?! 

I ask that the interest rate be lowered but the account will be closed affecting my credit and discontinuing my credit line? Is this normal practice and legal? 

The other Chase card went from 10.74 % to 10.99 % in XX/XX/XXXX, then 11.24 % in XX/XX/XXXX, then 14.49 % in XX/XX/XXXX, then 14.74 % in XX/XX/XXXX, then 14.99 % in XX/XX/XXXX, then 15.24 % in XX/XX/XXXX, then 15.49 in XX/XX/XXXX, to 15.74 % in XX/XX/XXXX! This is not so much of a problem because I do not carry a balance on this card ( though I did try a balance transfer promotion in XX/XX/XXXX but after they tried to charge me interest - which were all refunded - I transferred out the monies to a better card ). So, I pay off the card every month and yet get these APR increases? 

Both of these cards were grandfathered from my previous bank. When Chase purchased the bank @ XXXX I very quickly transferred my checking and saving accounts to another bank ; however, retained my credit cards since it would adversely affect my credit to close the accounts. In other words it is not by choice that I have two Chase credit cards. However, my low APR remained initially. I was and am a responsible card holder. No lateness in over a decade and have repeatedly paid the balance in full. 

In XX/XX/XXXX Chase raised my APRs because my " APRs are below the lowest APRs we currently offer on similar accounts. '' Out of their 'fairness ', my APR was raised. 

Is this fair practice to raise the APR willy-nilly just because and to do it so often? Do I have any recourse other than closing these credit card accounts? We are always under the threat of raised APRs due to some form of delinquency but Chase seems to be raising my APR to CAUSE delinquency on my part. 

Please help! I do not want to close my accounts and I would like my APRs lowered. 

Their response is attached.
Consumer complaint received 2018-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

After unsatisfying communication in the message center, I have no alternative than to file this compliant. First, there was a bogus transaction on XX/XX/XXXX for {$63.00} that PayPal posted to my bank account. When my bank reversed the transaction, my PayPal balance was put in the negative, but my PayPal balance was not the original source of where the funds ( {$63.00} ) went. On XX/XX/XXXX, I scheduled a transfer of {$250.00} to my PayPal MasterCard, but {$280.00} was debited from my bank account, which caused a {$30.00} overdraft fee. It seems PayPal added my negative balance to the scheduled transfer, but the larger amount was not the amount I authorized, which is against ACH rules. On XX/XX/XXXX, PayPal credited {$24.00}, which is not the disputed amount of {$63.00}.
Consumer complaint received 2022-07-09
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: Bread Financial Holdings, Inc. (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions. 11.0K 15 USC 1666B : A creditor may nay treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2018-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

XX/XX/XXXX I initiated a buy for approx. XXXX dollars ETHeruem. My Bank refused payment and the ETHeruem was returned to coinbase bringing any debt with them to XXXX. They blocked me buying on their platform but explicitly told me in a support ticket that I could use their wallet no problem. On XX/XX/XXXX and XXXX I deposited approximately XXXX Ethereum valued at {$1200.00} dollars at that time. When the price rose to approximately {$1600.00} dollars I went to withdraw them so I can sell them on another regulated exchange. But I was blocked from withdrawing. I contacted support and explained the situation and said this is essentially theft by locking my money away from me for an unrelated settled matter after I was informed that I would not be a problem. 

There Language has no ambiguity and I attached the emails and support tickets that clearly state I can use the wallet prior to my deposit in it. 

I believe coinbase is going through a large growth period and use this guise of an excuse to use my funds to make even more money.
Consumer complaint received 2019-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NJ)

This is a follow up to my initial complaint about Convergent Outsourcing. I actually spoke with a representative today regarding the account that is in accurately reporting on my current report. Upon speaking with the representative she gave me information on two separate accounts they have in their office - One is from a XXXX XXXX XXXX  address and is from an alleged debt, dating from XXXX and the other is XXXX XXXX XXXX ( XXXX ) The representative stated that they sent a final bill to my home as validation, which in fact is not proof a debt. I explained to her that I was actually a victim of fraud in the past as well and neither of the debts belong to me. On top of it, the statute of limitations for debt collection has run out on the one debt that they are trying to collect ( XXXX ). 

I would appreciate it if these debts are removed from my credit report as a copy of a final bill is not validation and not proof that the debt is mine and that they can collect the debt, along with the fact that the debt is over 9 years old.
Consumer complaint received 2018-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

I was notified of a charge to to my local XXXX of {$1000.00} made on my Wells Fargo banking debit card. I filed a dispute with Wells Fargo and submitted proof that I was at work and the card was in my possession during the time of the transaction. Wells Fargo dome a dispute investigation and informed me that I was in the wrong and denied the claim due to the fact that my banking card had to physically be at the store location during the transaction
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX  is reporting wrong information to all three credit reporting bureau 's. XXXX XXXX is reporting a balance of {$2400.00} on the account. It is showing the original charge off amount is {$5300.00}. The last payment XXXX received was {$200.00}. If the amount of the charge off is XXXX and the balance is now XXXX the last payment should be more. It is also showing on the credit report the last payment was received in XX/XX/2014. On the credit report It shows no data for the payment history of XXXX and XX/XX/2014. This whole tradeline is showing incorrect information that does not add up.
Consumer complaint received 2018-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

The last complaint is number XXXX, I received a response from Penny Mac, on Friday, with their same standard format, indicating they are researching the matter. Based on their past history, this is what will happen, I will receive another standard format in the next couple of days and this is what it will say ... Based on our enquiry we found no evidence that we have done anything wrong. I sent you the copy of their statement and this is what they do to me twice a year. This is been a problematic and chronic. So, in other words it is okay with them to continue their wrath. You can review my previous complaints outlining the same issues. There will never be any enquiries, whatsoever. It is only a standard format, in order for them to follow the protocal, for the government. They have an overturn of employees.

I have pasted one of the links against PM, for your review. This is not a handful of complaints against them. The list is endless. Consumers have posted blogs and it is viral. I contacted a couple of law firms in XXXX XXXX and had spoken with them and each indicated without commenting on the litigation, if there were any class action against Penny Mac and guess what, there are and it is Penny Mac 's employees, who are the litigants. So, I asked, if they were whistle blowers and they replied, reluctantly, yes. I chuckled and replied, they will receive justice.

Did your bureau have any knowledge on the matter? If not, now you do. Now about me. This Penny Mac is ruthless, unprofessional, forgery, fraudulent, thieves, emotional distress, screaming at me, etc. I have uploaded my initial complaint, per XXXX XXXX and thus, as of this day, nothing is whole. I had never heard of this bureau, until XXXX XXXX referred had indicated that it was time for the foregoing complaints and this is not going to stop. 

In addition, their extension numbers and web is ineffective. Do I care, no? They are disrespectful and arrogant. One of the employees, is XXXX. Bad news. All of my payments are through my credit union only, not them. They are not trustworthy. The evidence has been a ten year problem and they still have me in delinquency, as usual. They are a group of XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (DE)

This collection is illegally reporting falsely the receivable management services LLC is reporting that I am past due. This is illegal and needs to be deleted permanently. How can this account be past due on a collection I never had an agreement with this company to be past due I never signed an agreement with them ever. They are just trying to make money off of me as a consumer. Please permanently delete this account off all reports immediately. This past due statement from this company is illegal and they are violating my rights as a consumer.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

When you apply for a new loan or line of credit, a hard inquiry may appear on your XXXX credit report. Hard inquires are made by lenders and may negatively impact your score. XXXX makes a soft inquiry, meant for consumer education. Soft inquiries may appear on your report, but they do NOT impact your score. Below are all of your inquiries. 
Creditor Name Inquiry Date Type XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Department & Variety Stores XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXXXXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XXXX XX/XX/XXXX Automotive XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX Finance
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (NJ)

I have filed multiple complaints against Consumer Adjustment Company ( CAC ) for their unlawful credit collection and reporting practices. CAC is continuing to falsely report on my credit files thus violating my rights and the law. CAC has, once again, put a collection on my credit file for an alleged debt that is past the Statute of Limitations to collect and has not been legally verified. CAC has NEVER sent me anything in writing through my mailbox or email ( I have searched my entire email box, including spam ) as they claim, in regards to this alleged debt. I have had no opportunity, whatsoever, to dispute this alleged debt prior to CAC reporting it on my credit files and causing continued damages. Furthermore, CAC has not been able to legally verify alleged debt to me. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) requirements, CAC is continuing to violate the law and my rights. 
Thus, CAC is purposely and knowingly breaking the law and causing damages to my credit files, regardless of the laws in place they are required to follow. By doing so, CAC is purposely attempting to intimidate and coerce me into paying them for an alleged debt that is irrelevant and not pertinent as per Statute of Limitation laws.

I demand Consumer Adjustment Company, including any and all its affiliates, to remove ALL collections from each of my credit files immediately and permanently.

I also demand CAC cease and desist ALL collection attempts on this alleged debt immediately. Due to Consumer Adjustment Company 's violation of the law and because they have failed to respond and comply as per the FCRA and FDCPA, it is their legal obligation to do so.
Consumer complaint received 2022-07-09
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, the following addresses and phone numbers have violated my rights. 

XXXX. XXXX XXXX XXXX, XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX Apt XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone numbers : 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 15 U.S.C 1681 section A

. States I have a 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 2022-07-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I am a 100 % XXXX veteran who has tried many times to get mr.cooper to adjust my account for my approved property tax exemptions for my XXXX thru the state of texas. I have submitted my state XXXX federal documents to them many times and tried calling and emailing them to get resolution and nothing is happening. This company is a bad company and seems to do things like this to many homeowners in state of texas. 
Mr.COOPER is still pulling my escrow taxes from me after i have submitted all required documents and they wont acknowledge my XXXX documents for tax exemption. 
I have contacted state governor, the district attorney and nothing seems to be done. 
Is there anyone who can help omg.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I opened a XXXX XXXX card from Citizens Bank through an online promotion offering {$150.00} XXXX XXXX  after spending {$500.00}. I spent more than {$500.00} within the 3 month period. I never received the {$150.00}. I called the bank and they said that they have no record of the sign up offer applied to my application- which is a lie because I applied for the card through a link that included the bonus.
Consumer complaint received 2023-08-16
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. (NY)

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 2020-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (AL)

I received a notice in the mail from American Coradius International LLC. Attempting to collect a debt of {$670.00} to XXXXXXXX XXXX, for my XXXX account. I have contacted XXXX and XXXXXXXX XXXX. Both agree that I do not owe any such amount for any XXXX credit ( XXXX ) account because my application was declined.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Diversified Consultants, Inc. (GA)

XXXX XXXX XXXX {$330.00} XX/XX/XXXX {$76.00} {$56.00} Diversified Consultants XX/XX/XXXX {$440.00}
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I discovered that the same information on my credit report was incorrect when I reviewed my updated reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be reinvestigated : XXXX XXXX XXXX : {$14000.00}