davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (WA)

I received notice of a collection account added to my credit report in XXXX of XXXX. 
I looked at my credit report to see what it was, as I had not received any notice prior to this. The report was from National Credit Adjusters in the amount of {$340.00}. There had not been any contact via telephone, or written notice prior to this. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX. 

I immediately asked for a debt validation from the company. What I received was a bill from XXXX XXXX XXXX. This does not match the listed original creditor. 

I also do not believe this to be a validation of National Credit Adjusters having the legal ability to collect this debt. They provided no proof or documention that they have legal authorization to collect this debt or that the ability to collect has been transferred to NCA from XXXX XXXX. There has been no document with my ( the alleged debtor ) signature or contract with XXXX XXXX. 

On my credit report, where TXXXX XXXX is listed, it states that the debt has been sold to XXXX XXXX XXXX, so I do not now how or why National Credit Adjusters has reported on my credit reports. 

In XXXX of XXXX, I sent another request for validation and again received the copy of a bill from XXXX XXXX On XX/XX/XXXX, which leads me to believe they are not able to show that they are legally authorized to collect on this.
Consumer complaint received 2023-02-01
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX XXXX  XXXX account XXXX XXXX, XXXX XXXX  account 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 2021-12-16
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: Experian Information Solutions Inc. (IL)

I have items in my report that I have disputed and it has not been removed I have a bankruptcy that is reporting inaccurate dates and has been remove from 2 bureaus but not the other this is feet frustrating and I need help dont understand why items that can not be explained are on my report
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX Chase returned a check for {$750.00} that is automatically withdrawn from our check account every 14 days. We called Chase numerous times to find out why the check had been returned and Chase that they had no record of this and then sent a letter stated that we were late on our payments. Then also reported it to collections after telling us that we didnt owe anything. This again happened on XX/XX/XXXX and XX/XX/XXXX. This has been an on going issue since XX/XX/XXXX and we have not been able to resolve the problem.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

During the course of a seven year period starting in 2012 USAA Federal Savings Bank portrayed a simple interest bearing deposit account of approx. $ XXXX as an investment account. This was years before XXXX XXXX merged with USAA. The reason I am reporting this egregious violation is 2-fold. Each time I made a withdrawal from the account USAA would apply a 10 % penalty in addition to the withdrawal. These funds were accumulated with taxed dollars. As if the 10 % penalty wasn't bad enough, USAA would issue a 1099 that captured the specific amount of the withdrawal with the footnote of reporting the transaction to the IRS. As I mentioned, these funds were accumulated with taxed dollars and the 1099 was intended to raise my tax bracket with taxed dollars from a simple interest bearing deposit account being pertrayed as an investment account. This act went on for seven years. I have the 1099s along with account statements and I'm sure USAA does as well.
Consumer complaint received 2022-03-28
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: Experian Information Solutions 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 2021-05-11
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with signing the paperwork
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

On, XX/XX/2021, I submitted my application to CitizensBank. In their advertisement, they stated that the process would be stress free, instead it has become a nightmare, after they conducted a hard pull on my credit. They asked me to submit my paystubs, which I did and stated the sources of my income. I provided authenticated proof from the employer [ letter ] and on XX/XX/2021, they sent me a follow-up email stating that the documents I submitted [ which by the way are actual documents from the XXXX XXXX  XXXX Department of Education ]. I uploaded per their request as they authenticate the sources of income. Again, on XX/XX/2021, the refused the authenticated documents that I submitted and are now asking for my all my W2s. I find the process as having me jumping through hoops rather than addressing the authenticated documents sent from my employers. I am filling this complaint since under the ECOA, it is unlawful for a lender to discriminate on a prohibited basis in any aspect of a credit transaction, and under both the ECOA. Under one these laws, a lender may not, because of a prohibited factor : Fail to provide information or services or provide different information or services regarding any aspect of the lending process, including credit availability, application procedures, or lending standards. 
Discourage or selectively encourage applicants with respect to inquiries about or applications for credit. 
Refuse to extend credit or use different standards in determining whether to extend credit.
Consumer complaint received 2021-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

After changing email address in my XXXX account, out of nowhere they decided to permanently limit my account. This has to be a mistake. If this is not a mistake, then I would have to talk to my lawyer to remedy this situation. Please take a look into my account and sort this out as soon as possible.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TN)

Hello, we opened a new Southwest rewards card through Chase. One of the benefits of the card is met if we spend {$5000.00} on the card over the first three months. To start off, Chase gave us a low credit line ( {$2000.00} ) for our income and credit scores. Then, when we tried to pay it off some early purchases, I made an initial mistake with inputting our bank information online. After correcting the error, the payment has been processed by our bank on XX/XX/XXXX ( as shown on the attached statement ). Two days later, my wife attempted to pay for a hotel stay, and Chase had not cleared the balance. When we contacted Chase, they refused to honor the payment until the end of the billing cycle. We spoke with a supervisor who said the same thing. When we ask to raise our credit limit, he said we didnt qualify, which doesnt make sense again out of proportion to our income and credit score. This seems to be a blatant attempt by Chase to charge us interest on funds our bank has already processed a payment for and to deny us the opportunity to earn the reward that was the primary reason we started the card for.
Consumer complaint received 2018-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX I have no idea how they received my phone number to call, but i did notice that they have accessed my credit report without my knowledge and consent. if they call they go to my voicemail due to being blocked.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

I am submitting a complaint to Chase Bank regarding their failure to remit the contents of a closed Chase Total Checking account back to me in a timely manner. 
// On XX/XX/2021, my spouse 's employer direct-deposited {$810.00} into my Chase Total Checking account. On the same day, I attempted to transfer the same amount into an external ( XXXXXXXX XXXX ) checking account, using the XXXX service. I immediately received an email stating that my XXXX transfer had been canceled. 
// Upon attempting to log back into my account several minutes later, in order to determine why the XXXX transaction had failed, the online system stated that my account was locked, and that I needed to call a XXXX number in order to unlock it. 
// On XX/XX/2021, at approximately XXXX XXXX, I called the requisite number and spent more than an hour on hold. Upon being connected to a Chase representative, I was informed that my checking account was not locked, but rather closed. I requested information as to the reason for the closure, and the representative was unable to provide any. I then requested information as to when I would receive my balance back ( approximately {$850.00} ), and the representative also did not provide a timeline. I then asked if there was another person I could speak with, and was told that there was no one else I could speak with. The representative then ended the call before I could ask additional questions. My total time of interaction with this representative was shorter than 3 minutes. 
// Immediately after being hung up on, I dialed the same number again, in hopes of gaining additional information. This was around XXXX XXXX. After spending approximately 1 hour on hold, the Chase automated system informed me that an error had occurred, and that my call would be terminated. The system then hung up on me without connecting me to a live person. 
// On XX/XX/XXXX, I visited my local Chase branch to request additional information. The branch representative called a Chase remote office, and was once again informed that the account was closed, and that no further information was available. The representative then informed me that a check containing the account balance ( approximately {$850.00} ) was already in the mail to me, and that I should expect it within several days. I was informed that there was no tracking information or other means of confirming the arrival date of this check. 
// It is now XX/XX/XXXX, and I have received no such check. I have also received no further communication from Chase Bank, neither by email, nor by phone, nor by mail. 
// This is utterly unacceptable anti-consumer behavior. Not having access to nearly {$1000.00} of my own money for more than a month has caused significant financial strain. I intend to pursue this issue against Chase to the fullest legal extent available to me, and I look forward to your rapid and full resolution of this issue.
Consumer complaint received 2015-12-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Tower Loan of Mississippi, Inc. (MS)

I received my check back from Tower Loan that was not cashed they advised that I was not able to send any checks as payment to my account after i had a few problems with my online banking in which my bank was sending checks out before my paycheck was in my account. Anytime this happened the check was paid. I was then informed that they take debit cards. After the incident they never advised that I would not have access to my account online and canceled the option without notice. Therefore I was not able to pay by debit card nor credit card which created my account to be even later than usual because of this. I was never given any notice that they were doing this and not given notice.well I tried to pay my account by debit card or credit card and even tried calling over the phone even their employees were not aware that this was not an option and kept telling me to pay by debit card or credit card Because of this it has caused my account to be late and created financial hardship in driving to their business on XXXX XXXX, 2015 they refused to take a debit card payment but when i called them they advised that I can pay by debit card when arriving it was discovered that they would not accept my debit card and that I would have to pay cash or money order. Tower loan constantly calls me when payment is due and is ignoring the laws of collecting a bill by constantly calling after they have advised that the bill is due in one week I have received more than 15 calls from Tower loan
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (WI)

on or about XX/XX/XXXX my account was overdrawn. I froze it as there were XXXX XXXX XXXX charges on it that were fraudulent. Upon freezing it the bank blocked the child support deposit, but I stated I wanted deposit only -- which they failed to do. Upon doing that there were overdraw fees stapled with over XXXX of bank fees due to their mistake. I switched the monies over to different account. I tried to close it soon after, as I was getting notices again, of money being owed. On or about XXXX XXXX I had XXXX in that specific account. I called and tried to close it and they said it had a minimum of 6 months or fees would be put on -- I left the money in it ... now they are stating that I owe XXXX. XXXX with more fees -- and I have not used this account and it is still frozen. No monies should be taken out -- and no fees should be put on it. They have made so many mistakes, and I have spoke to numerous mangers and upper position bankers -- they returned and reversed monies more than once -- but continue to add fees and make mistakes. I believe now they submitted it to a collection agency. They are doing this with fraud and with mistakes it is not accurate.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (TX)

An account dispute letter was mailed to Experian via Certified mail on XX/XX/2021. In that letter, it was requested that Experian verify the account with a copy of the following items : 1. Original contract 2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance Experian decided the account was verified and did not send me proof of verification. Experian also has not responded to me via mail. I received my status via Experian App. It is approaching 30 days with no proper response or verification that the account belongs to me.
Consumer complaint received 2022-09-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

This equity loan was not authorize by me and its not my signature. 
SERVICING is charging a balance of {$30000.00} until now XX/XX/2022 on my house. 
I starting receiving statement this past year I have Select Profolo Servicing as my first mortgage I taught I was related to the second equity loan. I taught to them about this issue they didn't want to work out this salutation. they email me the deed and the signature is not mine. I called back when I received deed and didn't want to resolve issue.
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've contacted the credit bureaus about accounts on my profile that are inaccurate and they keep updating it and it is still inaccurate. I have sent several letters the last being in XXXX of 2021 and still, this inaccurate, incomplete and inconsistent information remains on my credit profile. 

XXXX deleted one of the accounts but XXXX and Transunion still have the account present on my profile and the information doesn't match.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Experian Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Experian Credit Report. That means Experian failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX  XXXXXXXX XXXX-Balance {$0.00} XXXX XXXX XXXX XXXX XXXX-Balance {$310.00} XXXX XXXX XXXXBalance {$4900.00} XXXX XXXXXXXX-Balance {$0.00}
Consumer complaint received 2022-07-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. These are the dates that I Have called Flagstar bank for updates on my Morgtage Loan. i applied for a Grant through the Homeowners Assistance program which provides struggling homeowners funds to apply to their mortgages to help them catch up on the arrears. This program was created by the Federal Government due to covid 19.The Program awarded me XXXX to pay for the arrears, taxes, HOA, Escrow, insurance. This total will completely catch me upon my Mortgage account. Flagstar Bank received the Wire transfer on XXXX XXXX. It was signed for by an Flagstar Bank Employee. However, the employee never posted the funds to my account. As of XXXX XXXX at XXXX, the funds have still not been posted. On the above dates I have called and tried to get answers, in which employees Of Flagstar have left me on hold for extended amounts of times 30 mis, transfer to several employees leaving me on hold for at least 30 mins, refused to transfer me to Supervisors or Supervisors refuses to answer the phone after i have been holding over 30 mins. Finally on XXXX XXXX i spoke with XXXX XXXXXXXX XXXX XXXX.said he was a supervisor and can't give his last name states he will send an email to the processing dept. 4th email. But have no ideal where the Funds are located. Please assist me in this matter to help prevent my home from going into Foreclosure. Other Employees i have spoken to ARE XXXX, XXXX, XXXX. All of whom would not give their last names or Id Numbers
Consumer complaint received 2020-02-07
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. (MI)

I have disputed three ( 3 ) accounts from XXXX XXXX more than three ( 3 ) times with Equifax, XXXX  and XXXX. These accounts are listed as : XXXX XXXX : {$580.00} XXXX XXXX : {$610.00} XXXX XXXX : {$400.00} XXXX XXXX is reporting this inaccurate information to all three credit bureaus. I have the right to a fair and accurate credit report,
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Started communication with Midland back in XX/XX/2021 and asked to verify the alleged debt they're trying to collect. They didn't respond within the timeframe and when they did respond it was just a copy of a letter from XXXX XXXX  stating that the alleged debt was sold to Midland Credit. Midland has been unable to verify the alleged debt and I have sent them another letter asking them to verify the alleged debt and I have gotten no response.
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I was a Victim of the " XXXX XXXX Scam '' Wells Fargo has denied my claim, claim number XXXX. 
I believe this fraud is covered under regulation E. I authorized the transaction under false pretenses. The fraudster called me from an official wells fargo phone number, XXXX. I am not exactly sure how the fraudster was able to change the account linked to my XXXX  account, it is possible i was tricked into giving them the information they needed to do that. 
Please help. 
XXXX XXXX
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute Account XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; Collection XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.