davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (WI)

I had traveled to illinois to buy a couch that allows my XXXX dungther to sit up and down on her on. This was a second hand purchase so the sell requested to be paid in cash. Once l got there.I tried to transfer the funds from my Credit karma savings account to my credit karma spending account to get cash out. I was unable to do it because I had already made six withdrawals per the Fed Reg D. I Was under the Impression the Fed Reserve had removed the requirment in XX/XX/2020, because my other bank allows as many as needed. oAfter looking into it I am still not seeing it has been reinstated. After I noticed the issue I called credit karma to find a solution to the problem and was told I had two options 1. ) wait until next month, which is not a possible option for me at this time or 2. ) Close the account and have the funds transferred to my spending account. I chose this option and was told by the rep that had been sent to the department to close the account and to watch my emails and then it would be done soon. I waited a half hour and still nothing it happened, so I called back and What is informed it would take about 2 to 3 hours, I was frustrated but there was nothing I could do about it so explain to the person I was buying the couch from and told him I would just wait in town for the couple hours, after waiting three hours still nothing I called back again and was told they could see it had been transferred and it would be any minute and not to worry. I was worried at this point because the only card I had with me was the Credit Karma card. I had to tell the lady I was not going to be able to purchase the couch so I was out my deposit and I was also out the money for the XXXX that I had rented. Not only that but because I had been waiting for so long my wife had no way of getting me any money considering I couldnt use my money that was on the card. I had to sleep in my car without any money for food or gas overnight. I replied to the email that the customer service representative had told me to reply to which wasnt an email I received after I called the very first time that said they were working on my issue. I got no reply I still havent. I finally decided to file a complaint with the company Credit Karma and shortly after I sent it I received in reply stating they were working on it. I am extremely frustrated and feel that this company is extremely out of line and should not be able to hold your funds. I might be misinformed about regulation D and maybe it has been reinstated, but even if that is the case I chose to have the account closed that should not be something that takes them three days to do especially after I had countless employees give me different timelines. Someone needs to provide answers and I need to be able to access my funds.
Consumer complaint received 2021-04-13
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. (NY)

There are 5 accounts on my credit report that are not mine they do not belong to me I have not signed used or approved for these accounts this is clearly identity theft and I need this taken care of asap. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX SVCS  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (MD)

On XX/XX/XXXX, XXXX XXXX called my cell phone. The representative asked for my husband. I told him that the cell phone number belonged to me and asked what it was about. He refused to answer. By then, I looked up the company 's name and learned that they were a debt collector. So, I requested to speak to a manager. When the manager answered, I explained that my husband was in the hospital and requested that they mail all information to our home address. I gave the manager our home address for written notices and asked that they stop calling my cell. Despite my request, XXXX XXXXl representatives keep calling my cell. After my request, I got at least 5 new calls from XXXX XXXX. Further, as ofXX/XX/XXXX, we still have not received any written notices from XXXX XXXX. We don't know what debt they are trying to collect.
Consumer complaint received 2023-06-13
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

After trying to access my online bank acc.at Chase bank I was told it was blocked then after I had it unblocked I was informed my checking acc. was being closed after several phone calls to the bank i got different answers to what was wrong everytime after a personal visit to a branch office i was told they already began to close my acc.and was not not giving a specific answer to as why it happened now I'm not going to be able to open another acc. any where this is very unfair as I have not done anything that has caused anyone any harm.I rate Chase bank on a scale from 1 - 10 a big fat zero! I have suffered mental anguish and feel as if I have been badly mistreated.
Consumer complaint received 2022-06-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In accordance with the Fair Credit Reporting Portfolio RC Account # XXXX Ending # 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 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

I have sent NUMEROUS validation letters and asked them show me how they validated the collection and that I am to pay them, they continually just send me documents from their internal system which based on the FCRA is not enough to validate, I have also asked them to show me their method of verification and they have not. 

I have asked them to remove this account and stop reporting to my credit and they haven't.
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (KS)

Thank you for your recent contact dated :XX/XX/2019. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

As a XXXX XXXX member I was looking for tickets and saw an advertisement for American Express. " Earn a {$300.00} Statement Credit and XXXX Bonus Miles ''. 
XX/XX/XXXX XXXX I applied, got approved and received a temporary credit card.. 
XX/XX/XXXX I bought XXXX tickets using this card ( I spent {$1300.00} ). 
At the end of XXXX, I called American Express and received confirmation that " Welcome offer '' ( including {$300.00} Statement Credit ) were available to me. 
As a matter of fact I received an information letter from AMEX dated XX/XX/2022. 
Week ago I received monthly billing invoice from American Express and did not found {$300.00} Statement Credit. 
XX/XX/2022 I called AMEX ( talked to supervisor ) and they told me that for some reasons I did not qualify for this credit. 
My understanding, is that even if I don't fit their criteria ( which I doubt ), they must warn me that I am not eligible for Statement Credit before I start using their credit card. Otherwise it is cheating the customer as they have the advantage anyway.
Consumer complaint received 2018-05-19
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 
Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX , XXXX. 
Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany:XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit reports : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$800.00} Company : Untitled { MEDICALUnpaid, Unpaid, Collection Account } Account # :  XXXX Date Open:XX/XX/XXXX Balance : {$540.00} Company : XXXX XXXX  XXXX / XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$100.00} Company : XXXX, XXXX. 
Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1800.00} Company : XXXX   XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$520.00} Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX/XXXX  Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00}
Consumer complaint received 2018-05-19
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: Experian Information Solutions Inc. (CA)

In XX/XX/2016 my home flooded from a rain storm. I reported it to my home owners insurance and could get help because it was not covered. I contacted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ca. and ask them for some assistance and was not given any until I contacted several federal agencies. Then they offers me a program that allows your mortgage to be dismissed for a few months, but I still had know where to live of fix my water damage. Finally they offer me a deed in lieu which I had no choice, then I ask them will it hurt my credit score and they said it will possibly show own my credit report, but they all so said the payment would stop once the process began. But they did not stand behind their word and put a late payment own my credit report that has keep me from getting another loan from any mortgage company and buying thing to help me in my life. I am a XXXX veteran and have seriously medical issues.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Well back in XX/XX/2015 I was working a full time job at a XXXX XXXX XXXX. I wanted to make extra money on the side so I did a job/project with someone that needed help so after I did the job/project he compensated me very well. So I went go deposit the check and it turns out it bounce. So I went to go talk to him but he was leaving and I didnt get to talk to him again. By this I was reported to suspected fraud activity. I recently found out after I try to apply again at a bank. I just want to clean all of this and I didnt know it was a bad check. I was XXXX at the time and it was a honest mistake by me and my knowledge towards banking was very minimal. I just want to get this off my record because I have a kid and I just want to start my life right. Thank you for your time
Consumer complaint received 2019-11-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Federated Student Loan Services (MA)

I was in touch with XXXX XXXX because I am part of the Public Loan Forgiveness program and I was wondering why my bill was going up and come to find out that my income driven repayment plan was being submitted saying I have XXXX kids because I was using a company called Federated Student Loan Advisors who would send me only page 4 of the request every year and I'd submit my pay stub information and they'd submit it to XXXX XXXX for me. XXXX XXXX alerted me to the scam and made a note on my account and I cancelled my services with Federated Student Loan Advisors but they ask you to sign this the below email which feels kind of suspect as well. I alerted my bank as well so that they will stop any further payments and will now just submit directly with XXXX XXXX each year on my own. 

Waiver of Liability Whereas Federated Student Loan Advisors is performing financial, processing, consolidation, servicing, monitoring, annual loan re-consolidation re-filing services. 

To client mentioned no longer wishes to have these services. Client wishes to forfeit, discontinue, and cancel clients monthly fee credits and the completed all services. 

The client also hereby chooses to pick a course that causes a lot of services to stop and loan re-payments to go up monthly.

The client wishes Federated Student Loan Advisors to secure files of all client information including security pin.

Client will hold Federated Student Loan Advisors FREE from harm or liability in this client initiated action by signing below.
Consumer complaint received 2022-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

I had financial assistance with the hospital and they missed a bill and sent to collections. I would like bill removed from my collection report immediately as they did not have permission to violate HIPPA and send my medical bills with private information to anyone outside of hospital nor did I owe the bill.
Consumer complaint received 2022-03-07
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. (IL)

I have sent two letters one in XX/XX/XXXX and the follow up in XXXX of XXXX to Experian and XXXX to remove addresses that do not belong to me. 
As well as unauthorized inquiries. 

Experian let someone change my primary address to a New York address that I have NEVER lived in. I googled the address it is a building with business. 

XXXX is listing apartments, which Ive never lived in an apartment, address that are associated with former employers and addresses that belong to deceased family members. 

This is absolutely an FCRA VIOLATION and is a potential fraud/identity theft issue. 

Ive included letters that I sent to BOTH credit reporting agencies and have received no response from either. I included my drivers license as well as a utility bill.
Consumer complaint received 2019-03-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

A year ago I took out a loan with ACE cash express, after 72 hours I attempted to return the money totaling XXXX within 72 hours as stated by the worker on XXXX XXXX, in XXXX, TX. When I went in I was advised that I had the loan for 79 hours and could not return the funds without adding another XXXX for interest. I than called the customer service and told to make some kind of payment until I received a call from a supervisor. Of course that never happened. I made a XXXX payment. Fast forward to XX/XX/2019, I started receiving threatening voicemails. I'm going to assume because I wasnt not answering XXXX from a legal department contact number XXXX XXXX XXXX started calling my sister, my XXXX year old son and my friend, threatening them. On XX/XX/2019 I was finally able to answer the phone when a call came through and was informed that now I owed XXXX for interest and court cost, XX/XX/2019 XXXX called me and advised that I would be served at my home and that they would be calling my employer to advise them of the case filed against me. I have tried to settle a number of times but I refused to give them my bank account and/ or my debit card.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (FL)

On XXXX XXXX I received a phone call from my bank asking me to verify my information in order to receive payment from IRS of XXXX. After speaking with my bank ( within minutes ) my account had been debited for XXXX. I immediately called the bank back ( the number on the back of my card ) and told them I think I may have just been scammed. I instructed the bank to immediately just close my account and mail me a check. I have called Netspend multiple times regarding this issue as I have yet to have access to my XXXX. I was told on XXXX XXXX that a check had been mailed and given a bogus tracking number. I filed a police report the night of the happenings and I have sent over all required paperwork. I keep getting a run around from this bank ( Netspend ) and would appreciate any help.
Consumer complaint received 2019-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CT)

HI.I just discovered that my balance, after 14 months of payment is incorrect. 
I borow {$180000.00} as mortgage.My monthly principal is $ XXXX 14 months this is total $ XXXXDownpayment was 3.5 % =total $ XXXXIf you add $ XXXX $ XXXX= total {$10000.00}. 
If you subtract {$10000.00} from loan amount this is {$170000.00}, this should be my outstanding balance on XXXX.But my balance on XX/XX/2019 is $ XXXXThis is difference by {$4000.00}. 
I would like to ask LakeView loan servicing company, what happen to my {$4000.00} in difference. 
XXXX XXXX
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I was given this pay card from my employer and I hardly used it because the money I was saving it for college. In checking the account recently I noticed charges on the card I called and disputed the charges the alleged to have credited the money back to my account which should have been {$960.00} from my paychecks when I worked at XXXX  and now from what I'm being told someone was using my card for XXXX  rides and I don't use XXXX  or have a XXXX account and so I did yet another dispute and now different reps are telling me different stories and my social isn't pulling up my account thru the automated system. So at this point I just want my money back and I have been advised by my families attorney to do a document only police report so I will be doing that and I will make sure I hold on to all emails between myself between XXXXNetSpend Account # XXXX  XXXX XXXX  Birthdate XX/XX/XXXXLast four of social XXXX
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (FL)

I have contacted Meridian Financial Services and inform them that this debt is not my debt that this invoice which I received on XX/XX/2018for the very first time needs to be verified with the timeshare company which is XXXX XXXX but they have refused instead they request I call XXXX XXXX there client and inform them that this debt is not mines.
Consumer complaint received 2018-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (MI)

On XX/XX/XXXX, I received a letter from GC Services, reference to City of   XXXX Taxes. Dated back to XXXX. After receiving several telephones calls I told GC that I do not owe this and Sent a certified on XX/XX/XXXX to validate the debt. I have not gotten a response as required by law. This debt is past the statute of limitations and is not collectable. This ompany is knpwn for violation the Fair debt Collection practices. 
XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
Consumer complaint received 2022-03-07
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: WELLS FARGO & COMPANY (NJ)

I contact Wells Fargo about a fraudulent account on my credit report in XXXX, call them back XXXX about the same account a Wells Fargo CRD SVC and they notify to me that my social security number those not match this account, I contact XXXX, XXXX and they do not have this Account on my Credit Report, I contact XXXX and it show on there Credit Report I let XXXX know this account is fraudulent.