davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association (TX)

I contacted this company after seeing an account from them reported to my credit ( XX/XX/2022 ) The amount of the debt owed had changed from the original creditor 25 %. I requested an itemized statment, and was told by the rep that they had already sent one out. It is a violation per FDCPA to refuse to send out an itemized statement. Not only are the charges for this debt questionable but CBSA can not tell me the original amount of the debt, any payments made toward the debt. They referred me back to the original creditor, stating that they don't own the debt. I reached out to the original creditor who then referred me back to CBSA. I have no contract with CBSA nor do I owe the debt they are claiming. This needs to be removed from all credit bureaus immediately. The Texas Secretary of State website does not show CBSA as a third party who is able to operate in the state of Texas. They also do not own the debt, and I don't owe it. This is illegal per the Federal Trade Commission.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

I have four accounts with Chase Bank - two checking accounts and two savings accounts. My son 's name is on one of the checking accounts but the other three accounts are only in my name. 
On or about XX/XX/2023, approximately {$5000.00} was pending withdrawal from my checking account and approximately {$1000.00} was pending withdrawal from the checking account that has my name and my son 's name on it. Neither my son nor I made or authorized these withdrawals so I immediately notified Chase Bank and they told me that, because I caught these transactions while they were pending, they would likely be able to stop the withdrawals. They told me they would freeze my accounts. They did not stop these withdrawals and only froze one of my four accounts. 
The following day, on XX/XX/2023, a female entered a Chase bank branch in Texas and added her name to the four accounts. She used a fake I.D . and impersonated me and withdrew {$10000.00} cash from the teller. I do not know this person and I never authorized anyone else to be on my accounts. I live in Arizona. Over the last 20 days, this person has withdrawn approximately {$62000.00} from my four accounts while I have been unable to access any of my accounts. Chase unfroze my accounts at least three times which is how she has been able to continuously withdraw my entire life savings. Meanwhile, Chase is refusing to investigate until I can convince the police departments in Arizona and Texas to open an investigation and send Chase these documents. I have heard that a bank must investigate suspected fraud within 10 business days and must provide me access to the amount of the stolen funds if they determine that the withdrawals were fraudulent. 
It has been15 business days since I first notified Chase of the initial fraudulent withdrawals and since then, I have been unable to access any of my money, have only received a credit of {$200.00} from Chase, spent an extensive amount of time talking to Chase representatives in person and on the phone, plus police departments in Arizona ( where I live ) and Texas, plus creditors, and Chase continues to stall and will not provide me access to the amount stolen. Please help me.
Consumer complaint received 2022-09-06
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 XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2016-10-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened a Bank of America account with my mother and after reviewing the account it was closed. I deposited {$600.00} into the account on the day we opened it. There were XXXX different deposits. A cash and check deposit XXXX for {$300.00} each. After we were told the account was closed the bank sent us a {$300.00} cashiers check. Confused as to why they would not give us a {$600.00} check we called bank of america 's service center and they told us to go to the bank in person. When we arrived they said they could not refund the check we cashed without a bank statement from the bank the check was from. We came a 3rd time and brought each document they asked for and said that we should call the service center. The banker called and said there was nothing they could do. So she asked for a supervisor but was put on hold for over 1 hr and nothing. Very frustrated that my money is being held illegally.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MI)

MY daughter obtained a student loan and needed her parents income. Which I supplied her with. When Navient took over the student loans. They sent me the bill and also my duaghter. When I had informed them of the mistake they told me that it was a parent plus loan and I was responsible for the loan. I have asked several time for the original paper work in which they deny sending. 
My daughter has been making payments on the loan but my loan just keeps increasing wwith Navient claiming there has not been any payments what so ever. This has hurt my credit dramaticaly. and I want it removed. If there is any way you can help it would be greatly appreciated, Thank you, XXXX XXXX
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX I loaded {$500.00} Cash at a local XXXX. Like I always do every month. To make the same transactions as I do every month. Electric, water, internet and XXXX subscription. 
At XXXX XXXX. ON XX/XX/XXXX I started relieving fraudulent charges unauthorized on my account. 
{$100.00} XXXX XXXX XXXX {$70.00} XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX {$9.00} XXXX {$9.00} XXXX These transactions took all the cash in the account Then. I started receiving there is not enough money in your account messages. 
I woke up around XXXX XXXX canceled the card reported transactions. Called paypal at XXXX XXXX. Ordered new card. Transactions are still trying to be ran on that card as of XX/XX/XXXX. 
For $ XXXX XXXX XXXX {$9.00} XXXX XXXX {$24.00} XXXX XX/XX/XXXX {$0.00} XXXX {$0.00} XXXX & XXXX XX/XX/XXXX {$9.00} XXXX XXXX XX/XX/XXXX {$45.00} XXXX XXXX XX/XX/XXXX {$4.00} XXXX XXXX XX/XX/XXXX {$1.00} XXXX XXXX {$39.00} XXXX XX/XX/XXXX {$4.00} XXXX XXXX XX/XX/XXXX {$81.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$9.00} XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX {$23.00} XXXX XXXX  XX/XX/XXXX It goes on and on for about XXXX fraudulent attempts to still run the card. 
Paypal will not help me.. they gave me a provisional credit of like {$40.00} but now they just took that back so I'm out EVEN MORE MONEY. This is truly fraudulent transactions I DID NOT MAKE THESE charges and I'm out {$240.00} plus the {$40.00} provisional credit they gave me as " my money back '' but now somehow find that these are " authorized charges '' and debited my account {$40.00} so now we are upwards of {$300.00} at loss here and paypal will not help me. I do not have a XXXX account and XXXX will not help me either. They say they can not track the payments and since I don't have an account there's nothing they can do. Paypal has took my cash money I loaded and now has me {$29.00} in the negative saying my charges are authorized. I don't know what to do I don't have this type of money. This is going to effect me and how I pay my bills because now I will not have a paypal account. And I'm out my Electric bill money for the month of XXXX that they are not giving me back.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Disputes were submitted to all three credit reporting agencies on multiple occasions this year. XXXX continues to verify the account as accurate. This account was to be deleted per the multi state settlement agreement with the attorney generals office .This account meets all the legal criteria. Additionally XXXX violated many other Federal laws which entitles me to financial compensation.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

back in XX/XX/2013 i filed a bankrutcy and one of the creditor was XXXX county experian sent one of there worker down to public records without knowing the fact of the account being discharge and put it on my credit report themselves i call the the comapny to see if they added and was told no by one of there superviosor i call experian to see whybthey added to my report the manager XXXX said they have a right to send a worker to get public information on a consumer and can add it to there report themselves this is experian stating they can do this how it it they can add and take off what they want and mess a person report up i have also sent them a police report for identity thief because there was XXXX inquiry on my report that i did not do and they stated they do not have to delete also they sent someone to retrieve all my old bankructy information and they place it on my credit report that a mess they literally sent a representative from there company to get bankrupty information and place it on my report when i call the bankruptcy court to see if they place it on there they said no they are not allowed to pace any court information and plus how did experian know the bankrutcy belong to me from what the court said they do not share any information on people who file so my question is can a credit Bureaus do what they want mess people credit up because they have the right to add what they want
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.
Consumer complaint received 2016-05-09
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Blitt and Gaines, P.C. (MO)

On XXXX XXXX, 2016 I received a letter postmarked XXXX XXXX, 2016 and apparently pre-dated XXXX XXXX, 2016 from Blitt and Gaines , P.C . This letter was on a mix of old addresses and my current address. Blitt and Gaines claimed to have been retained by XXXX XXXX XXXX, yet XXXX would have had an accurate address for any debt allegedly owed. Blitt and Gaines ' letter states clearly " attorney at law '', yet federal court cases illustrate they are a debt collection entity based on their activity. 

I have forded Blitt and Gaines plenty of time to validate this debt as well as provided a letter challenging the validity of this debt and their patently false claims of being retained by XXXX XXXX XXXX. I have received NO such validation, nor proof that they are retained by XXXX XXXX XXXX as requested and given their bad address as of today, XXXX XXXX, 2016. I have a copy of their letter, my letter to them, and tracking information showing it was delivered. I also should have the return receipt card at home. 

Since this is now a clear violation of the Fair Debt Collection Practices act as well as Missouri statute, on several counts, their letter and refusal to validate are now actionable as well as harassment.
Consumer complaint received 2016-09-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: COAST PROFESSIONAL INC (TX)

I have been paying on my son 's student loan for 10 years now through my social security check. It started out at {$2000.00} in XXXX. I have paid {$17000.00} at this time. They say that I have a balance of over {$5000.00} left. Now I find out that my son has been paying 15 % every two weeks from his paycheck being garnished. It has been this way for him for 2 1/2 years now. They tell him that his will not be paid in full until XXXX. Something is not right here and drastically wrong.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Disputes were submitted to all three credit reporting agencies on multiple occasions this year. XXXX continues to verify the account as accurate. This account was to be deleted per the multi state settlement agreement with the attorney generals office .This account meets all the legal criteria. Additionally XXXX violated many other Federal laws which entitles me to financial compensation.
Consumer complaint received 2017-04-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC (GA)

I have been asking for Validation of a debt that I was told I owed and in asking for validation I have yet received anything from this company. I know they have received my validation request because it was sent to them certified and was signed for by a company representative. I have yet to receive validation of any kind as requested but I am still receiving letters from this company saying I owe something.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I made a {$200.00} payment with my XXXX XXXX on XX/XX/2024. The Available credit was not reflected immediately as I was instructed it would be in the past. I called Capital One and they told me that Capital One is in the process of removing XXXX XXXX payments as an option for making payments. I find that to be very suspicious, because I received no communication that this would be happening. The XXXX on the phone advised me that the Available Credit doesn't update right away because their system doesn't allow it to update right away, which is not normal given the pattern of payments I've made. I make substantially large payments that would cover at least XXXXXXXX XXXX  of the XXXX XXXX every few days or so because my intent was to use this card as an everyday card for purchases. Capital One is treating it very differently. I also questioned the security of my information given that it is being accessed outside of my country. The XXXX expressed that they can not bring bags, cell phones, paper, pens, etc into their offices ( which I find hard to believe ). So I began to question how I know my information is secure, especially when being accessed from a mainframe in a different country from the headquartered location where no law enforcement can hold criminals accountable for stealing information belonging to people not residing within that country.
Consumer complaint received 2023-04-14
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. (WA)

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. 

XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (FL)

Received a debt notice from a company I've never heard of ( PFC personal finance company ) 14 months after a lab visit. Reviewed my records and showed a paid bill from that doctor 10 months ago. I called PFC and they wanted a lot of personal information of mine including SSN, DOB, etc. Seeing I've never heard of this company and are not familiar with the debt, I chose not to provide it. They got angry and indicated they'd end the call.

So I then called the lab to try to understand if there was any legitimacy to the claim. They could not verify it's legitimacy based on the account number provided by PFC. They too indicated that they're not actually the lab, but a 3rd party outsourced company ( XXXX at XXXX XXXX XXXX ) who really doesn't have much access to information.

So I have a company I've never heard of trying to collect a debt that I don't think I owe. And a company who represents the company who allegedly referred the debt, who has no record of my account or a debt.
Consumer complaint received 2016-01-06
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (VT)

I am an attorney writing on behalf of my client, who has a reverse mortgage. He had been receiving regular monthly deposits to his bank account. His homeowner 's insurance lapsed by accident, the company placed forced insurance, he got his private insurance re- instated, and the company placed him on " repayment status '' for the period the forced insurance was in effect. So far, no complaint. 
The company claims this occurred a second time. It did not, but they have been withholding payments to him since XXXX, 2015, and he is now having trouble purchasing necessities such as food and medicine. 
I wrote to the company a month ago ( a copy of the letter will be attached to this complaint ), but the company has not responded.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

I received my first billing statement for my newly opened American Express credit card account in XXXX, connected a bank account, and set up a payment schedule to pay my statement balance on the due date each month. When I connected my bank account for the first time, I accidentally mistyped a digit in the account number. American Express performed no validation that the account number is correct, exists, or that I own this bank account. 

On XX/XX/XXXX, XXXX  days after my due date and scheduled payment, I received a notification that my payment was returned. On XX/XX/XXXX, I connected my bank account with the corrected information and made a payment for the entire outstanding balance on my account. 

On my billing statement ending XX/XX/XXXX, I was charged {$27.00} in interest charges. I requested this interest charge be removed from my account. I fully intended to pay my statement balance in full on my due date when I set up my payment schedule. I made a payment in full the day I received a notification that the payment was returned. This situation would not have occurred if American Express, the payment Originator, performed any validation on the account number prior to its first use, per XXXX rules. 

I called American Express on XX/XX/XXXX to dispute this interest charge and received no resolution or response to my complaint and billing dispute. I called American Express on XX/XX/XXXX and still have no resolution or response to my complaint and billing dispute. I sent a letter to American Express to file my complaint in writing on XX/XX/XXXX have received no response. 

On my billing statement ending XX/XX/XXXX, I was charged another {$64.00} in interest charges. I requested this interest charge removed from my account. I paid my billing statement in full on XX/XX/XXXX, the payment due date. I contacted American Express on XX/XX/XXXX in writing via chat to dispute this additional interest charge. I have received on resolution or response to my complaint and billing dispute. 

American Express has charged me nearly {$100.00} in interest charges for making a payment XXXX days late because I mistyped my bank account number and has not responded to my complaints or waived the interest charges.