davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I am filling this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 XXXX 5 ) ( A ) of the FCRA - they are required to " ..Promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I am writing today in regards to my account with THD/CBNA account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2017-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

tax lien from XXXX county has wrong address and phone number. its impossible to verify the debt as valid. the phone number reporting on file is a phishing number and the address on file is invalid. had a proper investigation been excuted, the phone number on file for XXXX county courthouse and address would have presented a red flag to the credit bureau as it did with XXXX and XXXX.
Consumer complaint received 2020-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

This involves a fraudulent sale ( scam ) enabled by PayPal. 
My dispute stems from a sale of merchandise through XXXX ; two very expensive speakers were sold to a person using XXXX ; this person paid for them using his credit card and PayPal. He then arranged for XXXX to ship them from my location in California. 

They were allowed to ship shortly after the payment cleared PayPal ; the full sales price of {$1600.00} was paid on XX/XX/XXXX. The funds were held by PayPal until XX/XX/XXXX, at which time the funds were released to me. I then released the merchandise to the Buyer who then transported the speakers to XXXX XXXX and subsequently out of the country. 

Approximately two months later, Buyer filed a claim with XXXX claiming speakers were damaged in shipping ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition. PayPal notified me of this claim on or about XX/XX/XXXX and requested documentation that could be used to refute the claim. Documentation was sent immediately. On XX/XX/XXXX, PayPal informed me that the Buyers bank/ credit card company had sided with Buyer and my PayPal account was now " negative '' and to immediately add funds to cover the negative balance. I had heard nothing, nor been notified of any ongoing discussion. On XX/XX/XXXX, I spoke to the PayPal Resolution department ; they agreed the merchandise needed to be returned. On XX/XX/XXXX, the PayPal collection department called demanding payment and to deny me any further assistance from them. On XX/XX/XXXX, I called PayPal collection and was transferred to the Dispute Department after thirty minutes on hold the call was terminated ; no one answered in the Dispute Department. 

The merchandise remains in Buyers possession as of this date, XX/XX/XXXX. Buyer is non-responsive and refuses to return merchandise. PayPal refuses to either pursue a remedy with, or release the name of the institution used by Buyer. PayPal, acting in bad-faith, has apparently washed its hands of this matter. 

Lastly, I believe this transaction is a scam. The XXXX purchase was without negotiation, in fact, Buyer was offered a {$100.00} discount because of a supposed " double sales tax, '' issue, which Buyer ignored, completing the sale at full price. I have attached photos of the speakers both with and without grills for your information. 

Additionally, I have filed a Police Report regarding this fraudulent sale ( theft ).
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (NE)

I have XXXX different balances on my credit card account. A low APR balance and a high APR balance. During the month of XX/XX/XXXX and XX/XX/2016, I made few payments in the total of XXXX to pay off the transaction made during since that balance are incurring payment daily. I was surprised that chase bank applied all the rest of the payment to the XXXX XXXX balance after the minimum was paid. I tried reaching out to them to get it resolve but their answer was they could n't apply that payment to the balance because it was n't included in the balance in the monthly statement. I tried to be reasonable and tell them according to the law, they should apply any remainder of my payment after the minimum balance to the highest APR balance on the account as stated in the law.
Consumer complaint received 2017-08-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (MI)

My lease is through US Bank and my complaint pertains to money being withdrawn from my account in error ( electronically ) and not returned. I paid my normal lease monthly payment on XXXX XXXX, 2017 and received a message on my account that US Bank was now offering automatic debit ( they should have already had automatic debit by now but they are the most XXXX XXXX XXXX I have ever experienced ). I signed up for the automatic debit and received a second message stating that my automatic debit would not go into effect until XXXX XXXX and therefore I needed to continue with making my normal XXXX payment. I did this and on XXXX XXXX a payment of {$350.00} was withdrawn from my account. Three days later a SECOND payment was withdrawn on XXXX XXXX for another {$350.00}. When I contacted US Bank, I was informed by " XXXX '' that it would take 7-10 business days to process the return request and another 7-10 days to wait for the PAPER CHECK to arrive in the mail. She stated that the process would take so long that by the time I received my check, the next payment would be do and therefore I should just leave it. If you electronically deducted my money then why the XXXX are you not able to electronically return the money?! I was on day one of a vacation when this happened and needed that money to be in my account. My vacation was extremely stressful due to this discrepancy and has caused me problems with the rest of the bills that I owed this month.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

I contacted Experian recently to dispute a trade line entry in the credit report Experian compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. Experian indicated that the dispute would be investigated and a response provided within 30 days. Experian closed the investigation without addressing the substance of the dispute ; rather Experian performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that Experian allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; Experian is facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. Experian has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. Experian 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (OH)

My XXXX died in XX/XX/XXXX Ireported his death as legal executor of his estate. XXXX Ohio probate case # XXXX. I contacted XXXX to inform themofhis demise and the fact he died insolvant. This as an unsecured debt. They stated they had recorded the information. His estate was closed on XX/XX/XXXX. I personally paid for his funeral and other expenses related to his demise. 

In todays mail i received a XXXX indicating they had charged off my XXXX 's cedit card when the account should have been closed in XX/XX/XXXX. Further, they mailed the information to my home and i had moved in XX/XX/XXXX. My XXXX never lived at my new home or knew of its existence. He lived XXXX miles away from here. Chase is using my address as his. This is a act of fraud. The estate is closed. XXXX # XXXX on XXXX. 
This form was reported to the IRS and we all know what they are like. Chase shouldbe angry with themselves instead of harassing me. I want a update sent to the IRS concerning the status of this debt. My XXXX has been dead for almost 3 years. They did not do this chargeoff in a timely fashion and only did this to be purely punitive.
Consumer complaint received 2016-08-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica (TX)

Embezzlement Comerica Bank ( Texas State Bank ) : Allowed its holding company Comerica XXXX employee XXXX XXXX Senior Vice President Corporate Quality Process Department to create a fraudulent online XXXX Check/ATM Card account to embezzle {$4500.00} from my checking account. 

The online Account Summary indicates current Balance {$17000.00} with Available Balance {$13000.00}. This does not match my current Comerica Bank statement. 

XXXX XXXX Senior Vice President of Corporate Quality Process Department for Comerica XXXX has a history for over 20 years embezzling Comerica Bank account holders, supported by numerous online fraud complaint against XXXX XXXX. XXXX XXXX is a predator going after elderly and persons who will not or unable to defend against her embezzlement fraud for Comerica XXXX. 

This Online Account Summary account is located under accounts tab and can not be found under E Statements tab this account is not associated with my checking account and the welcome line does not display my name as the owner of this online account. 

My XXXX XXXX thru XXXX XXXX, 2016, bank statement from Comerica Bank ( Texas State Bank ) does not list any filing of legal documents to withhold {$4500.00} from my checking account. The entire amount of my ending balance is available. 

Without legal authority, Comerica Bank ( Texas State Bank ) and with no restrictions on my bank account according to my current bank statement. Comerica Incorporated block me from using my XXXX Check/ATM Card to embezzle {$4500.00} from my checking account, using the Comerica Incorporated online summary account created by XXXX XXXX to cover-up their fraudulent act.
Consumer complaint received 2015-12-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

I have once again fallen victim to corporate greed in this country. As a college student I feel very vulnerable to banking institutions tactics to create overdraft fees among many low income citizens. The impact of such irresponsible behavior by this institutions spreads in every aspect of my daily life in the most pervasive manner. I struggle to meet ends meet and being in a university, as it is widely known does not come cheap. Every dollar counts and I intend to make every hard earned dollar go towards my education. Not to make banks richer nor become a source of unjustifiable profit. I have no trouble paying my bank the fair fees for the fair usage of their services. Unfortunately overdraft fees do not fall into that category, especially when they are created by corporate tactics with the specific purpose of creating such fees by manipulating timezones limits on deposits. I always get paid after XXXX MST which is a reasonable time to get paid by every standard. I just see no reason whatsoever why banks can not accept deposit made before XXXX XXXX to be processed as a same day transactions. There is no logical conclusion in this time and age when information is available instantaneously, other than authority to impose such restrictions in order to gain profit from a certain portion of the population that work during the night shifts. We have to create awareness that it should be up to us, the consumers and not some financial institutions that " are too big to fail '', to determine our economic future ; by the sweat of our labor and our conviction to pursuit financial growth that will help us reach economic freedom. I am very frustrated citizen and I am looking for alternative ways to manage my money.
Consumer complaint received 2015-11-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (OH)

We were a victim of fraud and my debit card was used at a ATM. Per the investigation of the XXXX ATM charges, Chase has decided that I did XXXX of the transactions and did not do the other XXXX. When I tried to talk about it I was told that the investigation is complete. All of theses transactions happened in the middle of the night and on back to back days. I Was told that because I made a ATM withdrawal of {$500.00} on XXXX/XXXX/15 @ XXXX XXXX that I did the other transactions of {$500.00} that occurred @ XXXX and XXXX XXXX. This whole experience has been terrible and I have been miss treated by Chase.
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (DC)

From roughly XX/XX/XXXX through XX/XX/XXXXI had internet service with XXXX XXXX in XXXX, MA. Before installation, I was offered a promotion - I could pay up front for the cost of the equipment in order to avoid monthly rental fees and in exchange I would be eligible for a rebate for the cost a certain number of days later ( I believe it was 60-90 days ). I accepted the promotion, paid upfront, and later received said rebate ( see attachment ). During the entire year of service, all bills were paid on time. In XX/XX/XXXX, when I called to cancel service they charged me for my final bill, I paid the bill in full, and closed my account. Now, more than a year later, I am being contacted by a debt collection agency for equipment fees that I do not owe and debt that I am not responsible for.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX combined unpaid medical bills of my spouse ( separated, but not legally ), with my information, changed attorneys without proper notification, the new attorney received a judgement against me, garnished my check, and placed it on my credit report. Initially we countersued based on misinformation however we did not hear anything until the attorney change in which swift action and judgement had already occured. When we submitted a motion to the judge it was denied even though the information was not correct. Now I have a judgement and have paid the debt for bills that were not mine.
Consumer complaint received 2017-02-08
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CHECK INTO CASH INC. (UT)

Yesterday morning XX/XX/2017 I received a harrassing call from a lady stating she was calling on a debt for Check into cash. She advised me I owed XXXX and wanted to know how I was going to take care of this debt. I advised that at this time I had No way of being able to make any type of payment on this account because I had been fired from my job while XXXX. She said that I needed to do something because they were going to take legal action against me. She then said what about your XXXX you own XXXX XXXX XXXX. I told her I had n't had that business for years. She then said I needed to call my father to get the money from him and that he also has a business called XXXX. I told her my father is in his XXXX 's and that he owns the home I live in and has been letting me go without paying rent because of my situation and that I would not call him to get the money to cover my debt. She mentioned him at least 3 times in the conversaton to cal and get the money from him. I was very upset at this time and told her again I would not contact him and again I had no money. Advised I could n't even pull my vehicle out of the garage becauseI had No gas.She said well I have no other alternative. I will let them no so they can proceed with the legal action. About 10 minutes after hanging up with her my Step mom called and said this lady had called them advising there was a claim against me and that they needed to help me with it. She brought upMy dads business to her as well and my step mother said he is retired and only keeps the license up for his self. The lady said she could n't disclose the full details of the amount needed on the claim but told my step mom to call me and give her permission to find out the claim details. My father is not in good health and this was very upsetting to both of them as well as it was upsetting to me. Neither of them were on my listed contacts an they should not have been notified and harrassed. I am in a hard situation right now because of my job letting me go and waiting on unemployment if approved. The phone numbers this lady called from was XXXX and gave my step mom this number to call her back on XXXX ext XXXX I called te lady back on the XXXX number and advised her she had upset my father and she had not better ever call them again. I also advised I was turning her in and she said to turn her into who ever I wanted she did nothing wrong. Bank was XXXX
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NJ)

For Experian I have several XXXX Inquiries ( XXXX ) that were reported and listed on my credit report - impacting my Experian credit score. All these inquires are NOT associated with any loans/credit cards/accounts that are active on my credit report and I issued a certified letter to Experian with a copy of the letters that were also sent out to the companies for verification ; the date of Experian 's signature of retrieval is XX/XX/2016. According to the FCRA, investigation has an allotted time of 30 days from the date of retrieval, which is XX/XX/2016 As of today, XX/XX/2016, I have received nothing from Experian stating anything about the investigation of these inquires. In my letter, I have kindly asked that Experian remove these inquires from my credit report since these inquires reflect negative information without representing any active accounts with my current credit. I would like for Experian to remove the following. ( Please see attached spreadsheet ).
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I had a XXXX XXXX XXXX / XXXX credit card via XXXX XXXX XXXX and they sold my account to XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX I sent payment to XXXX XXXX XXXX XXXX XXXX department to settle the account in full via check made out to them in exchange for the account to be considered settled and expunged from the credit bureaus. On XX/XX/XXXX XXXX XXXX XXXX/XXXX forwarded the check to XXXX XXXX and it was endorsed and cashed by XXXX XXXX. As part of the settlement agreement, the check had restrictive endorsement upon receiving payment the XXXX-XXXX  account should have been removed from my reports. Restrictive endorsements are legally binding contracts in the state of Texas where the check was cashed as well as the state of Georgia where I reside. On XX/XX/XXXX, I sent copies of the settled check to each of the credit bureaus ( Equifax, XXXX, and XXXX ) requesting the account be removed. On XX/XX/XXXX, upon reviewing my reports, I noticed that the account was still there. I called XXXX XXXX XXXX XXXX XXXX department and the customer service representative said she could not locate me in their system and to contact XXXX XXXX. I explained to the representative the situation and told her that XXXX XXXX is not reporting on my credit report but XXXX XXXX is and that the account should be removed. The representative informed me again to contact XXXX XXXX and contact the credit bureaus as well because there was nothing she could do as my account is no longer with them. I asked her to speak to a supervisor and she would not allow me to repeating that I 'm not in their system and that there is nothing they could do. I attempted to contact XXXX XXXX but could not get anyone on the phone. I then contacted each of the credit bureaus again to find out the status of the removal / dispute and they all reported that the account came back as " verified '' from the creditor. How would I be verified in a system that I 'm not in? The XXXX  representative in particular told me that this was done through an automated system where they sent it to the creditor and the creditor reported back to them yes the account is accurately being reported. Again, how could they say that when according to XXXX XXXX, I was not in their system? I do not believe proper verification was done by any of the credit bureaus.On XX/XX/XXXX, I was able to get in touch with XXXX XXXX at XXXX XXXX who said they did acknowledge the restrictive endorsement agreement and was forwarding the information over to their attorney who would get back with me on when this account would be updated and removed from my credit report. I followed up with her again on XX/XX/XXXX with no update except for that it was pending review. As of today I have not received a response from either XXXX XXXX or XXXX XXXX XXXX XXXX regarding this matter and it still remains on my credit reports.
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AZ)

I have been attempting to lower my repayment amount or get it deferred through the Navient website since XX/XX/XXXX but it was denied by them. When I asked they said that I needed to be working 30 hours a week in order to qualify for any of the programs. I submitted the paperwork showing I was working 30 hours a week but then never heard back from them. I did n't want to ruin my credit so I made three months of full payments but considering this three months was about 10 % of my income for the year ( {$1000.00} when I made about {$XXXX} ) I found this to be especially burdensome. I found out today none of that was true and I should have been filing under the FSA which Navient never told me.