davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

XXXX XX/XX/2023 XXXX XXXX XXXX XXXX and XXXX Was Withdrew From My Account, I Immediately Called Chime Bank When I Noticed the Unathorized Account I Was Told Id Be Eligible for a Temp Credit for the Amount I Have Been Denied wothout Proof of Thorough Investigation 3 times I Have a Lawyer Reach out to Them and They Still Refuse to Give me My Money Which is Said to Be FDIC Insured
Consumer complaint received 2017-03-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I purchased a property using a VA Loan on XX/XX/XXXX through USAA. My closing attorney paid the XX/XX/XXXX property tax ( {$1400.00} ) on XX/XX/XXXX. The Mortgage company paid the property taxes again on XX/XX/XXXX with funds from my Escrow account. The Mortgage company acknowledged verbally on the phone that they had made a mistake and that once they had received a refund from the County Tax office, they would deposit {$1400.00} back into my Escrow account and reassess my Escrow payments. On XX/XX/XXXX I spoke with a customer service manager, XXXX and he said the funds would be deposited back into my Escrow account no later than XX/XX/XXXX. I have spoken with customer service representatives multiple times in late XX/XX/XXXX and early XX/XX/XXXX asking them to provide an invoice with the transaction code, so I can confirm with my County Tax office that they received USAA 's payment on XX/XX/XXXX and are either holding the funds or have returned them to USAA. The USAA customer service group is claiming that they can not provide the invoice, because it needs to come from their Escrow/tax management group, which they can only send written requests too. They claim they have asked the Escrow/tax group provide this information, but have not received it yet. 
I suspect that USAA is intentionally holding these funds in limbo slush fund to earn money or someone at USAA is embezzling money from Escrow Accounts. 
I want the extra property tax payment of {$1400.00} made on XX/XX/XXXX refunded to my account.
Consumer complaint received 2016-05-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivable Solutions Specialist, Inc. (TX)

XXXX XXXX XXXX is reporting a XXXX debt on my credit report. My social is XXXX date of birth is XX/XX/XXXX. I have requested verification and validation that this debt is mine and still this company can not provide but continues to report on my credit.
Consumer complaint received 2023-03-17
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-17
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Amsher Collection Services, Inc. (MI)

I was looking at my credit report today and noticed that I had a collection on all of my credit reports from Amsher Collection Services. This collection agency was hired by XXXX for cell phone services. I had paid XXXX their last payment my services where already disconnected. I disputed my XXXX bill several times with Consumer Financial Protection Agency because XXXX had taken money out of my account for my cell phone services that was not authorized. Also, it is documented that I was billed unfairly and the amount was not in the contract. Amsher Collection services stated that XXXX said that I still have a bill of {$360.00}. I have not had services with XXXX in almost 2 years so this amount is not accurate. I also paid the last balance that was owed before XXXX disconnected my services because they were upset that I complained to CFPB. I called Amsher Collection Agency and spoke with a representative named XXXX. He was rude to me and told me that I have two options. I could speak to the attorney or he would hang up on me. 
I would like for this collection to be taken off of my bill because I have disputed my bill with XXXX. I had paid off what was owed on the cell phone bill and I do n't owe any other amounts due to XXXX excessively billing my account unfairly.
Consumer complaint received 2018-03-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Halsted Financial Services, LLC. (CA)

XX/XX/2018 XXXX AM originating from XXXX ... call after advising them already that a ) calls before XXXX AM are not permitted and b ) to stop calling me several times per day as I have the information needed via an email and it is a matter concerning my child that I need to review with my ex husband to pay. 

XX/XX/2018, XXXX XXXX call originating from XXXX, CA. Again advised to stop calling me. Contact at XXXX XXXX name was XXXX. 

XX/XX/2018, XXXX AM, call originating from XXXX, CA advised them to stop calling XX/XX/2018, XXXX AM, call originating from XXXX, CA, advised again to stop calling XX/XX/2018, XXXX PM, call originating from XXXX, CA advised again to stop calling XX/XX/2018, XXXX AM followed by XXXX AM call originating from XXXX, IL violating no call before XXXX AM and advised them of this and to stop calling XX/XX/2018, XXXX PM call originating from XXXX XX/XX/2018, XXXX AM call originating from XXXX, IL violating no call before XXXX law Saturday, XX/XX/2018, XXXX AM call originating from XXXX XXXX, CA XX/XX/2018, XXXX AM call originating from XXXX, CA, advised to stop calling XX/XX/2018, XXXX AM call originating from IL, violating the no call before XXXX AM XX/XX/2018, XXXX AM call and XXXX AM call originating from IL and CA That is merely one week of call log that is stored on my phone, this has been persistent and request made to stop calling. Additionally, twice I have had the experience of their representatives insisting that I could not get off the phone until I made a payment. One representative inferred that a payment of {$42.00} TODAY would satisfy the account as though the debt of {$870.00} would be satisfied. When pressed, he stated he needed a credit card number from me today to take a payment and that it was not an offer in compromise. 

This company is harassing me to no avail and will not respect the law of not calling before XXXXAM and not calling multiple times per day after I have requested that they stop and correspond via email only.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I had a student loan from XXXX XXXX from XX/XX/XXXX. This loan is paid off and closed on XX/XX/XXXX. There was no late on this account. XXXX and XXXX never reported any late for this account.But on Equifax file a 150 days late showing XX/XX/XXXX.The previous 4 months starting from XX/XX/XXXX- XX/XX/XXXX, it shows no late.All of of sudden a late of 150 days showing for XX/XX/XXXX.If a student loan is late for more than 120 day, it goes into default status but in this case there was no default reported.If previous 4 months showing no late or payment made on time then how would it be 150 days late in just one month. Equifax has no answer for that and every time I dispute the account, they report back as verified.
Consumer complaint received 2016-02-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (LA)

Regions has processed a transaction instead of rejecting it as I had refused the overdraft protection on my business checking account. I was then charged an exorbitant {$36.00} overdraft fee. Upon talking to the XXXX XXXX, LA branch manager on XXXX XXXX, 2016, I was told that after a certain period of time, accounts are automatically enrolled in the overdraft protection, even if the account holder initially refused the service. Regions and the branch manager refused to remove the {$36.00} overdraft fee.,
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (SC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2016-08-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a bank of America customer for many years ; during these years, the bank has been taking my money by the way of over draft. They do not show any pending transaction online and as soon as I make a payment they will post overdraft fee the next day. Yesterday, they did the same thing with XXXX {$35.00} overdraft fees. I am sick and tired of their cruel tricks and embezzlement of my money. I have XXXX children and struggle with life and banks were suppose to be helpful and supporting. I need help to put a stop to this. They hold back my payments until they can get me on overdraft. Oh, by the way, they approved a payment knowing that my fund was low and immediately they post the overdrafts fees the next day.
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

I had applied for American Express Platinum Card and I was offered for XXXX bonus for spending XXXX. I had met my spending requirement and was award with XXXX bonus. Last week American Express removed my XXXX bonus without notify me. I had set up a case for disputed but they denied my request to give back the reward. Their lame reason was I am not qualify for the bonus. My question to them was how am I not qualify if I already received my reward? Why are they taking away my bonus points without notify anyone or even send out a letter for the explanation? I feel so frustrated and want to cancel my credit card, but they refused to give back all my membership fee, which is XXXX dollars. Please investigate American Express for their scamming consumers. What they did was absolutely wrong and unethical. Thank you very much for your help.
Consumer complaint received 2017-02-09
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Navient Solutions, LLC. (TN)

I received a call at XXXX from Navient . I had just fallen asleep from working XXXX once the operator on the phone stated they were from Navient and this call will be recorded I hung up b/c of the time and knowing they are not even supposed to call this early.
Consumer complaint received 2023-03-17
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-17
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (PA)

To whom it may concern, I, XXXX XXXX am writing a complaint against PayPal for not resolving into my issues regarding to the transaction of depositing the account since Friday XX/XX/year>. I am extremely frustrated and the fact the customer service did nothing to help to resolve this issue was beyond unethical of business practices. As I am a customer myself had been trying all day to deposit my funds into the account as I was told by the customer service they would help me resolve it within 24 hours and its been over 24 hours and they still have not fix the issue and I was not able to add any funds to my account due to the consistent error message I kept receiving stating " Right now, we're not able to complete this transaction. '' several times and nothing has been resolved. my experience with this service leave me no choice but to make this complaint for better business informational purposes and the dissatisfaction of the customers leaves me no choice but to close my account if I do not hear anything from this company PayPal. My request is that you either resolve and fix the issue that needs to be immediately addressed or you will risk losing customer like myself and losing your reputation of your company as a whole. I will make sure I will share my horrendous experience at PayPal with friends and family of how horrible this service is and to NEVER sign up for this service for their atrocious, the most disastrous and the most unethical customer service EVER AGAIN. if I could I would give them NEGATIVE STARS.
Consumer complaint received 2022-02-08
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: Blackhawk Network Holdings Inc. (NJ)

I was given a gift card XX/XX/XXXX of which I lost. I called the company and told them it was for {$50.00} and that I had spent {$21.00} of that XXXX, and there was a balance of {$29.00} on the card. they sent me a new card I had to wait for over a month I was the {$29.00} was still locked, and I could not us the new card. They told me they they didnt know how to unlock it and they promised to send me a check for XXXX dollars that I should have gotten by XX/XX/XXXX. The case number is XXXX XXXX by XXXX on XXXX 
I called to today, and XXXX told me I must wait another 21 business day. This is ridiculous, please help. I want my money
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I am demanding written proof of me as the original creditor giving you consent to furnish this negative account COLUMBIA DEBT RECOVERY # XXXX opened XX/XX/year> on my credit report without my consent and refusal to remove this account is now consisted to willful noncompliance with the FCRA laws. This is defamation of character. THIS IS VIOLATING 15 U.S.C 1692 e.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express sent me a copy of another person 's driver 's license complete with their name, address, date of birth, signature and license number. When I called them to tell them they tried to tell me that I was mailed a scam letter and it was not from them. It was clearly from them since I accessed it directly through their " secure '' site. I called multiple times to resolve this issue and they hung up on me or put me on hold and never came back. I cancelled my card to hopefully protect my identity however I am not sure where / who has my personal information. They would not offer any assistance to solve the remaining balance.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (WA)

I received a letter from MOHELA on behalf of XXXX XXXX XXXX on XX/XX/XXXX stating the balance of my two loans with XXXX. of XXXX ( XXXX and XXXX ) were at ZERO balance and that my XXXX XXXX XXXX XXXX application was processed and approved. After waiting 90 days, I checked my credit report ( s ) and my reports are still showing an open account with a balance of {$48000.00} as of XX/XX/XXXX. This error from XXXX XXXX XXXX is affecting my credit report negatively and may unfairly disqualify me for future financial exchanges. I request XXXX XXXX XXXX immediately notify ALL credit reporting agencies to accurately reflect the balance and status of my student loan account, account number XXXX.
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Were writing requesting your assistance in disputing fraud billing from Specialized Loan Servicing LLC for a property which is not owned by us as it has changed ownership under a court ordered Receivership on XX/XX/XXXX The property in question is XXXX XXXX XXXX located in XXXX, Massachusetts. This property was surrendered under Chapter XXXX bankruptcy on XX/XX/XXXX and since then, no payments were made on the previous outstanding mortgage. Please be informed that since XX/XX/XXXX through XX/XX/XXXX the mortgage on this property has been sold numerous times to different lending institutions. SLS claims that we still owe them {$150000.00} and refuse to acknowledge that the property was sold to XXXX XXXX on XX/XX/XXXX under a receivership sale approved by the Housing Court/Commonwealth of Massachusetts. As the property was surrendered under bankruptcy and subsequently was sold by the courts, SLS should cease all billing and correspondence to us.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2016 my payment to Chase Bank 's Credit Card department was posted to my checking account. This transaction typically takes 2 to 3 days to post on Chase Bank 's side. For some reason beyond my control, this transaction did n't post on their system until XX/XX/2016. Chase assessed a late fee, which increased my minimum payment. In XX/XX/XXXX, I made the same payment as in XX/XX/XXXX not knowing anything had changed. Chase assessed an additional late fee. In XX/XX/XXXX I contacted them and disputed the charge. I 'm well within the 60 day window for such issues. They agreed to waive the late fees. In XX/XX/XXXX, I was assessed another late fee for not making my minimum payment ( which I did ) because Chase only waived XXXX of the XXXX late fees. Thus my account was not made whole and I continued to be erroneously deemed 'delinquent ' in my payments. I called yet again and they were unwilling to live up to their previous agreement and insisted on continuing to charge me multiple late fees. I am paying off my balance ( minus these erroneous fees ) and closing this account immediately.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (AZ)

I was unemployed for the bulk of XX/XX/XXXX and fell behind on my credit card payments with Citi Bank/Best Buy Mastercard. In XX/XX/XXXX I called to start a payment plan with them to return my account to a current standing. I was told by the representative that if I made XXXX payments of {$88.00} each my account would be brought current again and I could begin to use the card again. I made my XXXX payment in XXXX. In XXXX I received some extra income and called to see how much of a payment I could make to become completely current and under my credit limit. I was told that my account had been closed in XXXX and that I could n't bring it current just pay it off. In XXXX I pulled my credit report and found that the account was n't actually closed until XXXX, meaning I could have saved the account and only had late payments instead of a closed account on my credit report. Citi is still charging late fees to the account monthly, and was even charging late fees while I was on a payment plan with them.
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I have a twin sister, same date of birth, first name begins with the same letter, and social security # is different by only one digit. I have pulled my own credit report in the past and never had any problems. Now that I am trying to apply for a credit card, the company has pulled my credit report. It shows my social security # but it lists my sister 's name and all of her debts and her credit score. My credit is much better than hers and I would never qualify for a credit card with it showing her debts on my file. How can I go about correcting this and why would this happen in the first place?