davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

HSBC refuses to return {$10000.00} sent to them from XXXX XXXX 's XXXX XXXX XXXX Account on XXXX. They have received the information requested and are free to verify content.
Consumer complaint received 2018-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peterson Enterprises, Inc. (AZ)

On XX/XX/2018 a letter was sent to XXXX XXXX XXXX   to verify " debt '' notifying them they had 30 days to reply with all 7 items required by FDCPA or to remove " debt '' from credit reporting agencies. Neither happened and calls have continued to try to collect.
Consumer complaint received 2018-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (CA)

FBCS continues to call about a debt that has nothing to do with our household. We have repeatedly told them they have the wrong person but they continue to call every few weeks/months. We have verified that the person, address and phone doesnt belong to the person they are looking for, They get incredibly rude when you inform them. I stated 7 times on recording today how can I help you, to which they only want yes no answers. In todays scam market, you cant answer yes as they will use this to sign you up for scams. 

Very unprofessional and would like the harassment of calls for someone elses debt to stop!
Consumer complaint received 2018-04-23
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. (FL)

This communication is in response to Complaint ID : XXXX with XXXX XXXX. I have received correspondence that XXXX XXXX and they didn't receive any verbal nor written agreement from the original creditor in order to validate the debt as being mine, however I have stated that I don't recall owing them anything, and it is still showing on my report.

This is a clear violation of my rights under the Consumer File Rights, Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act. If they aren't able to validate the debt, then they need to remove the item from my credit.

As a matter of fact, I see another company on my XXXX  credit report that appears to be collecting the same debt. I'm not even sure what this debt is, neither am I sure of whom I'm supposed to be dealing with in regard to its resolution. 

This item doesn't have enough support to validate being mine, let along negatively impacting my credit report.
Consumer complaint received 2018-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I have attempted to make extra payments, increase my monthly payments, and/or have attempted to make interest payments while my loans were deferred. Every time I attempted any of these, I was unable to make the payment or increase the payment amount. When reaching out and calling customer service, I experienced heavy wait times and could not get through to any representative. When I would attempt to make extra payments during my repayment period, I was asked if I was making my next months payment early, which I wasn't. I was never able to make extra payment. They always applied it or told me they would apply it to the next months payment. I have never been able to get ahead on my loans with this organization. Increasing my monthly payment was extremely difficult and was hard to find the correct information online in order to do this. When I called for help, I could not reach anyone.
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

I am a victim of identity theft and didn't open this account. 
I am a victim of the XXXX data breach my social security and state id has been compromised and used fraudulently without my permission or consent. I am not responsible for this account or any charges made to it. I demand this trademark be updated and removed from my credit file immediately.
Consumer complaint received 2018-12-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WESTERN ALLIANCE BANCORPORATION (FL)

THIS IS NOT A REQEST TO COMMUNICATE WITH THE INVOLVED FINANCIAL INSTITUTION ON MY BEHALF. THIS IS A COMPLAINT SUPPORTING A REQUEST FOR INVESTIGATION. A COMPLETE NARRATIVE AND IDENTIFICATION OF PARTIES INVOLVED ARE ATTACHMENTS TO THIS ONLINE SUBMISSION. 

As treasurer of a condominium I discovered that my signature on a bank deposit-account agreement was abused by the bank and its business partner ( s ) to the extent that the bank : generated false  corporate resolutions for use in opening a deposit account ; provided forms and used those forms with its business partner ( s ) which allowed and authorized account signers unknown to the account holder ; specifically accepted account " control persons '' designated by its business partner ( s )  who are unknown to the account holder ; lied about the existence of documents it accepted from its business partner ( s ) and which became a part of the deposit agreement authorizing unknown control persons and account signers. 

I became suspicious during the account opening process when uncovering the above-described activities. As a result the condominium did not deposit funds at this particular bank. I discovered that this bank has a nation-wide program in which the association almost became involved. 

What initially captured my attention is that the bank allowed a third-party to designate an account " control person '' when the condominium association left a " beneficial ownership '' designation area blank. That is exactly what happened when the third-party -- a condominium management company as a bank business partner -- withheld from the association that page containing the beneficial ownership designation box. 

My suspicion is that many homeowner associations do not know that they have shared their account authority with unknown others, and that deposits and other account activity is generated while under the control of persons unknown to the account holders. The security implications of this seemingly well thought-out and well-executed bank program appear significant.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am trying to send this to capital one but my phone is overdue now that I dont have any money in my account there so that is a hardship. 

I am locked out of my email. Someone is fighting me changing the passwords along with me. 
My card is lost. 

XX/XX/XXXX XXXX Purchase - {$1100.00} XX/XX/XXXX XXXX XXXX - {$1300.00} XX/XX/XXXX XXXX XXXX - {$2400.00} I've started using this card less and checking it less but I was going to send the money to my brokerage to buy stocks then I see the money is not there and these 3 purchases are not anything to do with me. 

Thank you. Please find my {$5000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX
Consumer complaint received 2022-07-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2018-04-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I requested Chase to wire {$86000.00} to my mother 's bank account with XXXXXXXX XXXX in XXXX. Chase withdrew the funds on XX/XX/XXXX, but has not yet delivered the funds to my mother 's bank account with XXXX XXXX in XXXX. ( The bank account information I provided to Chase was correct, so that can not be the problem ) When I contacted Chase bank to follow-up on the transact, I was told the funds have been " stuck '' between XXXX XXXX in the US and XXXXXXXX XXXX in XXXX, and they can do nothing about it. My mother has followed up with XXXXXXXX XXXX in XXXX, and they advise that they have not received the funds from Chase bank. 

It is now 1 month after I initiated the transfer, and I do not know what to do about this? Chase are being completely unhelpful. Please can you help me. My family really needs the money that Chase has lost or is sitting on ...
Consumer complaint received 2018-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

in XX/XX/XXXX I became delinquent on my mortgage. I was offered a HUD loan and accepted as it was my only option. I have since asked to be provided documentation in regards to that loan ( ie. an itemized list of all charges to be included in that loan, documentations that I signed. ) I have not received that. 

The mortgage became delinquent again and starting in XX/XX/XXXX I started paying additional on my mortgage each month this continued into XX/XX/XXXX. Although it was written as one check ; I fully expected that the additional would appropriated accordingly. Instead it was placed and held in a " suspense account '' to the tune of almost {$10000.00} over the years, of which I knew nothing about. 

Some was credited to my escrow account ; Which created large surpluses that WERE NOT REFUNDED back to me, but again placed into a suspense account. examples below : XX/XX/XXXX - {$1200.00} Surplus Placed into a suspense account XX/XX/XXXX - {$1700.00} Surplus Placed into a suspense account XX/XX/XXXX - {$960.00} Surplus Placed into a suspense account XX/XX/XXXX - {$900.00} Surplus Placed into a suspense account In addition to the above I paid roughly {$5000.00} more that was credited to the suspense account. 

The statements that I was given by PNC Mortgage after demanding an audit of my account show no disbursements from this mysterious " suspense account '' that I knew nothing about, and never received so much as a statement for. 

I have in-fact contacted PNC on numerous occasions. Most recently I was referred to their executive client relations team. In the 5 months since I was put into contact with t Executive Client Relations they have offered nothing but excuses, and outright misinformation at all levels of their firm as to a solution to the problem. When faced with specific instances of violating consumer protections the conversation turns cold, or they inject other misinformation to further muddy the waters. 

It is my understanding that PNC is in violation of the Prompt Crediting Under FRB Rule as well as Prompt Crediting under Dodd-Frank, TILA Amendments and CFPB Regulations. As well as numerous others. 

If accepted the partial payments ( ie. payments less that the periodic amount ) should have been placed into a unapplied funds account/suspense account. The " funds must be applied from the suspense account when the amount in suspense is equal to or greater than a periodic payment '' It is my hope that working together we can reach a solution, and prevent this from happening to consumers in the future, and help those that may have similar experiences.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keystone Law LLC (DC)

Im emailing to file a formal complaint about the incorrect billing to me on a mistake XXXX made. Last week ( XX/XX/XXXX ) I received a debt notice in the mail from Keystone Law LLC. This was my first communication that XXXX was even seeking money owed. After calling the customer service line for what the bill was for, it is in relation to a huge mistake XXXX made last year and the charges are a result of XXXX  failure to correctly label and ship my packages which resulted in hours of lost time and damaged property for me. 

Last year ( XX/XX/XXXX ) I moved abroad and hired a company to send my bags internationally to XXXX. They contracted XXXX to send the bags. XXXX incorrectly listed the county of destination as XXXX XXXX XXXX XXXX  ), not XXXX ( XXXX ) and sent my bag to XXXX XXXX. They initially refused to admit fault even after receiving documents from both myself and the moving company showing it was their fault. After three months of the moving company and I calling nearly every day, the moving company was able to get XXXX to admit they made a mistake and have my bags sent to the correct address in XXXX. 

Then, nearly a year later, XXXX used a debt collector to bill me for duty and import taxes amounting to {$440.00} for XXXX XXXX. The customer service representative confirmed that the charges are related to customs and duty for XXXX, XXXX XXXX. My bags would have never even been in XXXX XXXX if not for the mistake of XXXX in incorrectly labelling the country and causing me months of XXXX 

This has been the worst shipping experience of my life. This bill is extremely incorrect and unlawful as I have in no way consented for any of my things to be sent to XXXX XXXX, nor do I believe I should pay for duty and tax for XXXX XXXX as a result of XXXX 's mistakes.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (WA)

Here is the complaint letter to the Credit card Company.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA  XXXX  Cct:XXXX XXXX XXXX XXXX   CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Tel : XXXX Department : Credit reporting Dear Credit reporting representative of Citi Cards , My wife opened this account and I was an added card member. Someone in your department has reported to the credit Bureau such as XXXX a derogatory mark with no information. It shows pays as agreed. This card was closed because I opened another Gold account.

I would like to have an answer to this question of why it was reported to the credit bureau and not give a reason. All bills were settled in a timely manner. Reporting to the credit card bureau as derogatory for opening and closing an account is not acceptable. Please do the needful to remove this from my credit report.

If you need further information, please feel free to contact me.

Thank you.

Sincerely, XXXX XXXX
Consumer complaint received 2018-12-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (NJ)

Around XXXX18. I had applied for an installment loan with Wells Fargo Bank. My application was denied and there was very little basis to their decision. My partner who has a lower credit score and makes half as much money as I do was approved and I was denied. I then had to call to verify some information with them and then was informed that I did not qualify because of the purpose of my loan. What I am going to do with my money is MY BUSINESS. I felt that I was being discriminated against based off of race and other reasons.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Asset Agency, Inc. (GA)

On XX/XX/2021 GLOBAL ASSET AGENCY added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA GLOBAL ASSET AGENCY violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (IN)

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 USC 1681. 

Account Name : XXXX XXXX XXXX, Account Number # 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2018-04-23
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. (GA)

I filled Bankruptcy onXX/XX/XXXX, because I had no other option. I was XXXX XXXX from the XXXX XX/XX/XXXX. I am XXXX  % XXXX, and could not maintain where I was or what I had. Numerous attempts were made with lenders to help, and none wanted to assist at all. I received negative reports from the accounts. I had XXXX XXXX with my truck that I returned openly. The reason for this is also Experian is reporting my accounts that were listed on the Bankruptcy as negative accounts when they should be closed, and its affecting my reports. My wife has sent letters to all three reporting agencies, and nothing has changed as of yet. Experian is the worst, but the other agencies are also not accurate. According to Section 609,611, and 623 XXXX was suppose to notify people about inquires on their report that were added back after they lost them on accounts. What they did is just put them back not knowing if it was correct, and not following guidlines. 

Installment AccountXXXX  XXXX StatusClosed Balance {$47000.00} Credit Limit {$0.00} Past Due {$2000.00} Date OpenedXX/XX/XXXX Monthly Payment {$870.00} Date Closed- ment History 22N/A 1Negative 1Reposession,  Pay Payment StatusRepossession
Consumer complaint received 2019-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (PA)

I have a PayPal Account that has been permanently Limited, I have my bank card for another business along with a personal checking account linked. Upon the freeze I have no access to my accounts, I have tried to talk to PayPal and all I get is that my funds can not be touched for 180 days and none of my accounts can be removed. I do not even have the ability to email Paypal I have no authorization for that service. 
I have only {$220.00} being held, however I do not wish to leave my husbands bank card linked to the account. 

When I did speak with someone I was told that the bot or the computer was how my account was limited and once that occurs there is no reversal. I was told to read the " USE POLICY '' of which I have and there is nothing in there I have done. The only thing that I have used my account for was to take payments of between {$12.00} and maybe {$50.00} for webpage design and make purchases of software and other merchandise. 

I need to know what you can do for me? I need to get this resolved as soon as possible. 

Thank you. 

XXXX XXXX XXXX or email at XXXX XXXX
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

After sending information to verify myself ( XX/XX/XXXX ) with my disputes, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX not mine XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine PERSONAL FINANCE XXXX not mine
Consumer complaint received 2018-12-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (MI)

This law firm with the name XXXX XXXX XXXX XXXX are trying to garnish my wages for a collection debt that was apparently made while I was a minor and unaware fix they will not share the details of when and where this debt was created. I've also spoken with the company that XXXX XXXX XXXX XXXX is saying trying to collect the debt but XXXX XXXX XXXX say they don't even have a record of me having an account and they're not sure that I even had one to begin with. The account was said to be created in 2001 which us when I was still attending high school, and they say the amount is for {$3400.00} but will not share any other information with me.