davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dunlap Gardiner LLP (GA)

This issue is just not sitting well with me due to the attorney 's collection tactics.My spouse and I have divorced. However, former spouse obtained marital property to include paying mortgage, taxes, insurance, and home owners association fees. Earlier this year, out of the blue I received a judgement of garnishment in the amount of XXXX that was filed XX/XX/XXXX via the county court. Of course, when I received I became worried and did not want a garnishment to go to my employer. I was advised that the home was being refinanced. I immediately got the funds together and took the funds to the attorney 's office handling the collection. Mind you, I have never received any notification that the home owners association was past due. I had not lived at the marital address in four years. However, I can receive a judgement that my wages were being garnished. Next, on XX/XX/XXXX I received another court judgement that my wages were being garnished which was filed in the county court on XXXX XXXX.Again, I had never received any notice of this debt being passed due even after the XX/XX/XXXX judgement. I requested validation and the lawyer sent me a ledger from a business called XXXX which is not the HOA organization. I went to court to argue that I never received any thing in writing and the ledger to did not look legitimate. I spoke with XXXX who represented the attorney 's office prior to meeting with the judge. I explained to her my concern and frustration of the above that your company can send me a notice to garnish my wages but can not send me any statements of the charges past due. XXXX advised that the mailings were going to the marital property since XXXX but still could not explain why I can receive a judgement to garnish my wages at the address I have been living at for the past 3 years and that I never got the chance to address the issue or try to pay the debt. XXXX suggested that I contact the office to make some arrangements to pay the debt. I called the office after leaving the courthouse and called the office. Spoke with XXXX who advised that she would send my proposal to the HOA and call me back on XX/XX/XXXX. However, she never called me back. I am appalled of this type of collection tactics of using wage garnishment for consumers who have not received and documentation or made aware of past due collections without given the consumer an opportunity to try and make restitution with the property owners association.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I was not working during the summer and I could not make payments on all of my loans ( I have three different loans with XXXX ). I did make payments on the smaller ones, to make sure not all loans were late, but I did n't make the payment for the month of XX/XX/XXXX and XX/XX/XXXX on my {$170.00} loan. I called XXXX several times to make sure they would know of my situation. I was told several times that as long as I did n't fall behind my payments for longer then 90 days they would not report to credit agencies. I did my best, I did what I could do to keep my account in good standards. I called XXXX to make a payment arrangement of {$450.00} for a few days before they said my account would be reported to major credit agencies, on XX/XX/XXXX. Today I received an email from XXXX XXXX saying that my score has gone down and that I fell behind my payment. I am extremely unhappy and upset. During the summer I was driving XXXX and XXXX to make sure I would take care of these payments but XXXX did not keep their promise and Inow have a negative on my credit report. Is there something I can do to update my credit score? Can XXXX fix this problem? All these arrangements were done over the phone and I now know that whenever I arrange something I should email them.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

Since I opened my deposit accounts with Chase in the XXXX of XXXX, I have formed the opinion that the company is systemically out of compliance with Reg CC, governing the time in which funds from check deposits must be made available.

Nearly every check I deposit has a 14-day hold placed on it, whether it is a personal check, corporate check, and even US treasury checks and postal money orders. This has happened consistently with both my business checking and personal checking accounts. Each hold must be resolved individually, by phoning up the bank 's operating loss prevention department and waiting on hold for multiple hours -- on one occasion I went for a XXXX run to the sound of their hold music in my headset. In most cases, they are able to verify the authenticity and collectability of the check within minutes and make the funds available, but on one occasion I was recently told that a postal money order could not be verified because the agent couldn't find a phone number for the US Postal Service (! ) though she conceded that she could find an official web site to verify money orders, that wasn't good enough for Chase. She also told me in direct contravention of Reg CC that Chase treats postal money orders like " any other check. '' Two days later with the money order still on hold, a different agent was able to release the funds with no explanation for the delay. On another occasion, even after verifying the check with XXXX XXXX XXXX ( the bank upon which the check was drawn ), Chase insisted on getting the maker of the check on the phone to voice-verify that she had indeed written me this check. ( As an aside, I'm lucky I learned the term " maker '' in law school, because Chase 's agents seem consistently unable to use vernacular language to describe the process ). 

Reg CC and the FDIC 's explanatory materials for bankers make clear that the obligation is on the bank to cite a specific reason for a deposit hold beyond the same-day or next-day availability required by the regulation, and to be able to justify that hold with articulable reasons. Instead, each time I have called Chase to inquire about the reason for a deposit hold, my requests for an explanation of why they are uncertain the check is collectible have been summarily ignored.
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX, my paypal account got limited with the message We require a bit more information to make sure we can support the type of business you are conducting. You won't be able to do certain things with your account until our review is complete. This completely limits everything i can do and HURTS business. Anyway, i submitted the info it asked for, which was, my valid id, and information about my business. After submitting the info, it said to wait 5 days so they could review it. 5 days later, nothing happened. I contacted support, and they said wait another 72 hours. I did. 72 hours passed, and nothing. Contacted support again and they told me to wait another 48 hours. I did, nothing. So i contacted them AGAIN, and they said to wait another 5 DAYS. So i did. And that five days is up today. And i just contacted them an hour ago and they say to wait ANOTHER FIVE DAYS. PayPal is hurting my business and holding MY FUNDS without caring or reviewing my case within the PROMISED 5 DAYS.
Consumer complaint received 2022-04-12
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-04-12
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. (NJ)

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was not working during the summer and I could not make payments on all of my loans ( I have three different loans with XXXX ). I did make payments on the smaller ones, to make sure not all loans were late, but I did n't make the payment for the month of XXXX and XXXX on my {$170.00} loan. I called XXXX several times to make sure they would know of my situation. I was told several times that as long as I did n't fall behind my payments for longer then 90 days they would not report to credit agencies. I did my best, I did what I could do to keep my account in good standards. I called XXXX to make a payment arrangement of {$450.00} for a few days before they said my account would be reported to major credit agencies, on XX/XX/XXXX. Today I received an email from XXXX XXXX saying that my score has gone down and that I fell behind my payment. I am extremely unhappy and upset. During the summer I was driving XXXX and XXXX to make sure I would take care of these payments but XXXX did not keep their promise and Inow have a negative on my credit report. Is there something I can do to update my credit score? Can XXXX fix this problem? All these arrangements were done over the phone and I now know that whenever I arrange something I should email them.
Consumer complaint received 2022-04-12
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. (NJ)

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.
Consumer complaint received 2024-01-18
Product: 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: CARD Corporation (NV)

I use Card.com prepaid, I have used them for years and I make a transaction on XX/XX/XXXX in the amount of {$390.00}, and never received my items. I filed a dispute with them and provided everything to them even the letters I got from the XXXX XXXX XXXX about this because the scammers were giving people fake tracking numbers. I waited almost 2 months to hear nothing. I called today XX/XX/2024 just to hear my claim was denied and my case was closed. They never sent me an email of nothing. They are unfair and they don't try to work with their loyal customers. Now I'm a XXXX XXXX of XXXX children out of {$390.00}. They are not following the fair credit act.
Consumer complaint received 2021-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOLL BROTHERS INC (FL)

I had a short sale on a property in 2013. It is no longer on my credit scores, however, the company I am trying to obtain a mortgage from has a report/record from somewhere about that short sale. What can I do? I resolved the issue and have been in good standing with my payments reflecting an excellent credit score. 

The company is TBI Mortgage. As I am having a home built in a community, I have to go through the builder 's lender for approval.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I ( along with 3 family members XXXX received prepaid {$100.00} Visa XXXX  cards in XX/XX/XXXX purchased at a XXXX store in XXXX, OH. The website listed on the card is XXXX and the contact number XXXX. 

The card has been in my possession, unopened in the packaging since receipt. When I tried to access the card online on XX/XX/XXXX, the website states another person has already registered the card and used all the funds in XX/XX/XXXX. I contacted the other recipients of these cards and they all experienced the exact same issue. The funds were stolen from their unopened cards. If this happened to all 3 recipients in our case I imagine many others were negatively impacted. 

I contacted the card processing agency at XXXX and spoke with a manager named " XXXX '' who informed me they could not help unless I had the original purchase receipt for the card. I do not have this as it was a gift, a very common use for these types of cards. I contacted the gift giver and they no longer have the receipt for the card. I still have the physical card and all the original packaging in my possession. 

When I asked XXXX how someone could register my card and use all funds without the physical card she replied, " hackers have access to all kinds of things on the internet. '' She also stated that this is a reoccurring issue with their cards. My guess is that a data breach occurred and information for multiple cards was lost or the processing company is illegally selling the information secondhand. 

I asked for any possible resolution to prove I'm the rightful card owner ( the physical card, the packaging, or any of the corresponding identification numbers ) and regain the stolen funds, however the agents refused to help in any way other than the original purchase receipt. This does not seem like a fair practice to the consumer as people do not typically receive a receipt with a gift card. It allows the company to skirt responsibility for widespread fraud perpetuated with their product.
Consumer complaint received 2022-04-12
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. (GA)

I stated to Equifax over and over that this account is not mines its a fraudulent account i files police reports and identity theft report and they have yet to remove it from my credit! 

XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-12
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Adjustment Company Incorporated (IL)

Caci debt collector from XXXX XXXX sent me a letter out if thr blue threatening to sue me for medical bills from XXXX of XXXX. I am already paying on a hospital bill and am un aware of this debt. I am also under the impression they can not threaten or harass by suing.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

At the beginning of XXXX within about a days time, Chase bank authorized a E-Withdrawal of {$2500.00} from my savings which was not set up for withdrawal. They then authorized transfers from savings to checking where more E-withdrawals were done. Total fraudulent withdrawals were {$2200.00}, {$2000.00} and {$1800.00}. The bank has denied claims for everything but the saving withdrawal of {$2500.00}. They are not resolving this last claim in a timely fashion leading me to believe they are trying to run out the 60 day clock.
Consumer complaint received 2022-04-12
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. (PA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2017-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

Hello : My name is XXXX XXXX. I have a complaint in regards to a debt collection agency named XXXX. XXXX. I disputed this debt and recieved the following from XXXX. 

XX/XX/XXXX Completed XXXX XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This is not my account. It belongs to a relative or a person with a similar name or address. 
Dispute Results From XXXX I log on to my XXXX XXXX report, on XX/XX/XXXX to find this company has now sold this non-valid debt to AFNI, Inc. phone number XXXX two days after the completion of this report on XX/XX/XXXX. AFNI , Inc. has now reported this to XXXX further damaging my credit. I attempted to dispute this directly with XXXX ; however, now XXXX will not let me do so due to the system being temp. down. This is not okay and I expect results. These debt collectors practices are illegal and should be prosecuted to the full extent of the law.
Consumer complaint received 2022-04-12
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. (PA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2017-08-27
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: Village Capital & Investment LLC (GA)

I have tried to resolve this issue through cfpb on XXXX previous occasions and it has not been resolved yet. 
Complaint Numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX requested a letter from me authorizing the Credit Bureaus to remove the Hard Inquiries and she sent XXXX XXXX XXXX XXXX authorization for release to the credit bureaus. but XXXX XXXX XXXX has yet to remove them.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TN)

On XX/XX/2023 I receive a notification of inactive account, which contains {$500.00} for my XXXX account number ending in XXXX. I have attached a copy of the notice. 

Immediately, I call their customer service which required me to have a security code mailed to my mailing address on file to be able to access the account. The representative informed me I would be getting the code within 10 business days. 

I called again XX/XX/2023 to ask why I had not received the security code, and they said they would send another one. They re-verified the correct address on file and mentioned that I could also fill out their last resort form and have it notarized, which I did but have not heard back that they have received it despite being over a week since I sent it out. 

Their bad customer service, without ability to talk to a supervisor, and the fact that my hard earned money is sitting there collecting perpetual XXXX fees monthly is the reason why I am reporting this to your bureau for further investigation and management.
Consumer complaint received 2019-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

I tried to get all credit bureau to get this collection agency to verify that I owe the debt multiple times, by having this collection agency mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. And received a letter from agency offering a discount to settle sent home but no verification. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from those agencies showing proof. Those collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is their authorization of law for their collection of information? What is their authorization of law for of their collection of this alleged debt? Please evidence their authorization to do business or operate in the state of New York. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Until these validation is shown and complete, I will be seeking proof of such debts from collection agencies. 

Attached is a copy of the last letter received from collection agency.