davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Several weeks ago on a Saturday morning on XX/XX/20, my husband and I awoke to our bank accounts being frozen without warning by Chase. The accounts frozen were his main account and our joint. My husband is a XXXX XXXX XXXX XXXX XXXX. Chase claimed the accounts were " restricted, '' but they were in fact frozen. They would give us no information, only told us to show up at a branch Monday morning and fill out tax paperwork and bring identification to prove my husband was who he was. They held his paycheck ( automatic deposit ) until Tuesday, and turned away every auto bill that tried to clear ( it was the end of the month so first of the month bills were trying to clear ). Cards didn't work, transfers were not permitted. All in all, they froze {$5000.00}. 

On Monday morning, we arrived at the branch, provided them with their required tax paperwork, filled out their forms, let them take copies of passports, ss cards, DL 's, XXXX, and even a tax return. They claimed after all this was all being done because someone may have stolen my husband 's identity. They said the " restriction '' would be lifted by Tuesday. It wasn't. We called. They said " Thursday now. '' Thursday came and it was the 1st. All my bills were due. I went back to the branch and demanded my money. The bank manager released it to me and I pulled all my savings ( from another account out as well ). They didn't unfreeze the accounts for another day.

We never received a " thank you '' an explanation a nothing from the bank. Yesterday, XX/XX/20, we received a packet from the bank demanding my husband fill out tax form W-8 now and if he doesn't comply, his accounts will be closed ( and I assume frozen again ). Tax form w-8 is for NON-LEGAL ALIENS, not for LEGAL PERMANENT RESIDENTS OR CITIZENS!! The only income we receive is his direct deposit from the same job he has held for almost 10 yrs here, which is a large American Company. I receive SSDI for I am XXXX. 

I feel we are being more than harassed by Chase bank. We will NOT be complying with this current request because even the IRS.gov web site says my husband should not comply because he is NOT an illegal nor does he own overseas bank accounts or receive overseas monies. At this point, I will be closing my accounts, but I will also be consulting with an attorney as the letter Chase sent said something about my husband 's payroll deposits being subject to an additional 30 % tax!?! We're good ppl. We pay our taxes ( even receive receipts and a thank you for paying from the IRS ), pay our bills, abide by the law. This harassment and bullying can't be tolerated and surely doesn't seem legal without a warrant nor even a letter. Why does a bank have so much power? It is my opinion Chase is actively engaging in discrimination against immigrants and US citizens who are married to them.
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armor Systems Corporation (IL)

I have been trying to get verification of this debt from Armor Systems. They have refused to send me documents that  fully verified the debt. I have got some paperwork from them but it was only screenshots and no paperwork showing a contract of myself actually owing this debt. Also, failed to show a wet signature proving that this is my alleged debt. I will attach my mailed requests to this complaint. Armor Systems has been taking my state tax returns for 3 or 4 years without full verification of this alleged debt. They will take this current year 's state tax refund from me as well.
Consumer complaint received 2020-11-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I have 2 collections accounts on my credit report that are still showing through experian. XXXX  and XXXX have both removed these accounts. They are both from XXXX, XXXX, and XXXX. One is for XXXX and the other is for XXXX. When I called Experian on XX/XX/XXXX the lady I spoke with couldnt give me an explanation as to why this would be. And could only file a dispute on my behalf. I'm not denying that the accounts were mine. I would like to know why 2 other agency 's have removed these from my report and 1 still shows them.
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NH)

Had cell service the service however didn't work in the area I lived. My complaints caused the phone company to suggest updating my cell which I did and didn't improve my service so with multiple complaints of dropped calls and inability to make calls XXXX released me from contractual obligation the failed upgrade put me in.I wasn't under contract prior to upgrade and was month to month until the update they recommended Since I was released and needing service I found a new carrier. It was when I had already opened new service that I called XXXX to see if I was expected to return the old phone and the rep on the phone didn't know about my account and told me I would be charged? I purchased a new phone and service and XXXX expected me to honor the contract I was told I was released from?? I was a customer since the mid 1980 's  and am disappointed!
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV INC. (MA)

I RECEIVED THE EIP VISA DEBIT CARD FROM US GOVT. 
I FOLLOWED INSTRUCTIONS TO CALL XXXX. MULTIPLE CALLS RESULTED IN SAME INSTRUCTION TO ENTER A PIN ON AUTOMATIC MENU, NO AGENT SERVICE. ACCORDING TO INSTRUCTIONS ( on line and written info ), THE AUTOMATIC MENU IS SUPPOSE TO ASK ME FOR LAST OF SS #. 
I NEVER HAD THAT OPTION. 
I TRIED UNSUCCESSFULLY TO REGISTER ON LINE BUT WAS UNABLE TO ESTABLISH A PIN. I WENT SO FAR IN THIS FUTILE PROCESS THAT I REGISTERED WITH THE BANK, MONEY NETWORK, IN THE HOPES TO BE ALLOWED TO ENTER A PIN FOR THE DEBIT CARD. I HAVE TRIED CALLING THE MONEY NETWORK BANK BUT CONTINUOS BUSY SIGNAL. I DO NOT WANT TOBE PART OF THIS BANK 'S SYSTEM. VERY POOR CUSTOMER SERVICE. 
I WOULD GREATLY APPRECIATE HELP IN GETTING A PIN IN ORDER TO USE THE EIP  CARD.
Consumer complaint received 2020-10-13
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. (GA)

these accounts listed in this complaint do not belong to me someone use my information to open fraudulent accounts with out my consent or knowledge someone use my photo id and social security number I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2022-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pro Com Services of Illinois, Inc. (IL)

False claim of payment due From XXXX XXXX XXXX XXXX XXXX I rented an apartment through XXXX. I paid the rent for the first 1 1/2 years via cash directly handed to them at their office every month. Then after about 1 1/2 years they went digital and I was able to set up automatic monthly payments. 
in XXXX I received a bill for XXXX XXXX for damages to the apartment, ( I have photos that show there was no damage to the apartment ) I hired a lawyer and the management company backed out. 

Two plus years later I recieved a letter in XX/XX/XXXX from ProCom Services, a debit collection agency stating that I owe a month rent amount for the month of XXXX. I have bank statements showing I paid via automatic payments every month. 

Also after I showed ProCom proof of payment they then sent me, a few months later, a new debit of XXXX XXXX  of damages to the apartment. I have photos that show there was no damage to the apartment when I left. I hired a lawyer again back in XX/XX/XXXX to fight this claim. The lawyer did not hear anything back from ProCom after XX/XX/XXXX and then I found out a few days ago that since XXXX XXXX there is now a debit collection on my credit reports.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (WA)

American Express will not dispute a charge despite me having XXXX and being sick. 

The charge was on XX/XX/XXXX and was for XXXX. The merchant said they were having a systems problem and would refund me later. They only refunded XXXX, which is a simple mistake. 

American Express is refusing to help me, thus breaking their user agreements. 

I have tried for months and they still, for some reason, will not dispute the XXXX difference. 

This is my last step before I sue.
Consumer complaint received 2020-04-29
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. (TX)

Filing this for non-compliance of the credit bureau to remove this inaccurate information off my credit report. I have already sent letters to have the investigate this information in which thy completely ignored.
Consumer complaint received 2021-02-20
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. (FL)

Credit bureaus are reporting late payments on my credit report that are incorrect, all 3 credit bureaus are non cooperative in getting the proper information and have not showed me any proper investigation and or reports from the creditor showing that my payment was late, I have an outstanding credit history and to to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score.
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (CO)

On XX/XX/2016, I noticed on my credit report that it indicated that XXXX had a negative collection on my report from Allied Collection Services from the XXXX XXXX XXXX in XXXX XXXX for {$310.00}. I've never been or have stayed at the XXXX XXXX. I've disputed the collection, but XXXX  responded and said the information was accurate. I never received any collection notice in the mail stating such collection. I would like to resolve this issue and have it removed from my credit report
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IA)

This was a debt originally with XXXX XXXX Bank in the amount of just over {$500.00} ; however, I lost my job during COVID-19 and was not able to make payments. I eventually got a job but with fewer hours and reduced pay - could not afford payments. I contacted XXXX XXXX Bank to notify them of my hardship but they were not helpful. Now, I see this on my credit report for an amount of over {$900.00} - which is FALSE. The last payment made on this XXXX  XXXX account was in 2020... it should not be this high!
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA)

Over the course of the last month, a variety of individuals from Financial Asset Management Systems based in XXXX, Georgia have called my cellular telephone number more than 100 times from a variety of masked telephone numbers identified as potential spam calls. Each time I have answered, they inform me they are calling to discuss a personal business matter and advise me that before they tell me what the personal business matter is I must confirm for them Personally Identifiable Information ( PII ) such as my date of birth or residence address. When I advise the callers that I will not confirm the PII, they tell me that they will send a letter but can not discuss any information without me first providing the PII. 

I am filing this complaint now because the frequency and insulting nature of these calls continues to increase. First, as of this date I have never received any written correspondence from Financial Asset Management Systems, despite their repeated statements that they have sent such. Today, I received a call from a Financial Asset Management Systems employee who identified herself as XXXX XXXX, who followed the same script as her colleagues in asking that I provide ( confirm ) PII. I advised her I would not and told her that I have repeatedly asked their representatives to send me written correspondence if they believe there is a legitimate matter to discuss with me. She insisted they have, and told me they sent an initial letter that she was looking at in the file. When I told her that I had never received anything and questioned the legitimacy of their inquiry, she decided to add an unwarranted insult by saying that, If youd take care of your personal business matters we wouldnt have to call you every day before hanging up on me.
Consumer complaint received 2021-02-28
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

I received a copy of my credit report. I noticed unauthorized inquires on my report from several creditors. I contacted the creditors and was told to contact the credit bureaus to dispute and remove inquiries. The credit bureaus then told me the creditor can only remove it with a written statement. I then contacted the creditors and was told they do not send written statements to the credit bureaus to remove the inquiries
Consumer complaint received 2020-04-29
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 (CA)

I AM VICTIM OF AN IDENTITY THEFT AND THE THE CREDIT CARDS OPENED UNDER MY NAME ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND OPENED THE CREDIT CARDS. THE CHARGES AND THE CARDS ARE FRAUDULENT. I HAVE NO IDEA WHO STOLE, Y INFORMATION AND OR WHERE THE CHARGES WERE MADE. I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSIONS OFFICE AND MY LOCAL POLICE DEPARTMENT. I DONT KNOW HAT ELSE I NEED TO DO TO PROVE MY INNOCENSE.
Consumer complaint received 2018-06-19
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. (FL)

I rented a property from XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. From the original move in date until my move out date once my lease ended was nothing less than a nightmare dealing with the many repair and malfunctions of the property along with the property management company XXXX XXXX XXXX. One of the major issues as well as safety concerns were the electrical in the home. The lights flickered on one side of the house with constant outages as well as no power at all for 2 months in the kitchen. After a ridiculous amount of emails and phone calls to no avail. I sent a ceritified letter to owner of the property XXXX, XXXX XXXX that I wasn't paying rent and if and when they decided to make the necessary repairs I'll start back paying. That's when my phone start ringing nonstop for people to come out. They tried to blame us for their faulty wiring but it didn't work. Also their technician sent mistakenly sent me the invoice indicating there was not enough power coming into the home. I called XXXX they sent the big truck out and the technician stated that they had faulty wiring. So XXXX removed the meter and estimated our bill every month for two months until XXXX XXXX did the repairs.However nobody never apologized for the inconvience, responded to phone calls or emails or even compensated us for the expense we had to incur for eating out for two months and no hot water of and on. The list goes on and on. However the month prior to our lease end I received a phone call asking if I were renewing the lease. I stated absolutely not. Before leaving the property with less than 30 days left I was served with eviction documents. I obtained an attorney. we never received any documents for court. We took pictures and video of the property once it was cleared out and cleaned per the attorney and turned the key in to the attorney. In XX/XX/XXXX I received a letter from a collection agency name XXXX XXXX XXXX XXXX for XXXX XXXX XXXX as well as it was placed on my Equifax credit report. The amount started at {$6000.00} plus and as of today its reporting {$7300.00}. We all know this is nothing short of a lie. XXXX XXXX had my attorney asks if I would settle for them just keeping my deposit of {$1800.00} and they would remove the eviction. Originally I disagreed because I know I didn't damage or owe them for anything. After a year and the case still lingering still never a court date or actual proof of supposedly damages I agreed to settle. This negative mark has been detrimental to my credit and the ability to provide adequate housing for my family. I've disputed this several times with the collection agency as well as Equifax. I have even sent them to court documents that this was settled and the eviction information was removed from the court records and they still haven't removed this negative item from my credit report. I don't know what else to do. Please help me in rectifying this matter.
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND USED THE CREDIT CARD FOR THEIR BENEFIT, THE CHARGES AND THE CARDS ARE FRAUDULENT. I DON'T KNOW HOW TO REMOVE THESE FRAUDUELENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2018-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (MA)

On XX/XX/2017 I wanted to switch my loans out of XXXX. I contact Equitable Acceptance. They informed me, wrongly, that they would be my acting servicer and I would pay my loans directly through them ; I was also told this would only be a contract for 24 months. My total amount was {$1400.00}. 
I quickly learned, after signing, that they were not my carrier and they actually got XXXX XXXX as my servicer. I am now responsible for paying Equitable Acceptance about $ 45/monthly and have a hefty 17.99 % annual interest rate to go along with it. The contract was not as stated, as it was 48 total months not 24, and as mentioned before, they were not the carrier as stated to me over the phone. 
I am basically paying them for a free service. Furthermore, I believe they broke their contract last month, XX/XX/XXXX, because the one thing I pay them to do ( submit my IDR contract in on time ) was late. They did not hold up their end of the bargain, as I had to then put my loans on forebearance because my payments significantly increased due to Equitable Acceptance not getting my forms in on time. It also disrupted my 120 consecutive payments necessary for loan forgiveness. 
Please help me get out of this contract with these individuals who deceived me and have not held up their end of the contract. 
Thank you.
Consumer complaint received 2019-05-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (WI)

Navient systematically and illegally failed borrowers at every stage of repayment which led to lawsuits. They have falsely put 4 separate inquiries on my credit report and have docked interest on every one of them which has caused my credit score to  dramatically lower which stops me from financing a home for my family. On XX/XX/2016 there was an amount of {$6000.00} which is now {$6800.00}, Also on XX/XX/2016 there was an amount of {$3500.00} added to the report which is now at {$3800.00}. On XX/XX/2016 there is an amount of {$660.00} on the report which is now {$730.00} and another report on XX/XX/2016 of {$500.00} which is now {$530.00}. My graduation date was XX/XX/2016 which would make this information incorrect due to the fact that repayment would not take place until after the graduation date.