davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Ive had the JC Penney credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time. 

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled. 

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create. 

They lied, their business practices do not keep the consumer in mind, and something should be done to them!
Consumer complaint received 2024-03-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (CA)

I CANCELLED WITH XXXX XXXX  YEARS AGO AND LEFT WITH A XXXX  BALANCE. I PAID OFF MY MOBILE PHONE WHEN I CANCELLED SERVICE. I'VE REQUEST FROM AMSHER COLLECTION SERVICE TO STOP CALLING ME DURING WORK HOURS AND HARRASING ME. I'VE ASKED THEM TO PROVIDE THE CONTRACT, CANCELLATION TERMS THAT I SIGNED, ALSO THE LIST AMOUNT OF CHARGES THAT THEY ARE CHARGING ME FOR. THEY HAVE REFUSED AND DID NOT REPLY TO MY MANY LETTERS. THEY INSTEAD HARRASS ME WHILE I'M AT WORK. WHILE ALSO REFUSING TO COMPLY WITH THE LAW AND ADD SOMETHING ON MY CREDIT REPORT FOR WHICH THEY ARE NOT PROVIDING EXPLANATION IN DOCUMENT/PAPERWORK.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ALTERRA GROUP, LLC (GA)

I have been trying to get my XXXX tax form from my mortgage servicer, Panorama Mortgage Group , LLC - XXXX XXXX. I was serviced through them from XX/XX/year>- XX/XX/year> so I should have received the tax form from them. I've reached out via phone and email multiple times and no one has provided any update in regards to the form or provided the form to me. I've stressed that I need the form to file my taxes however no action has been done. I've called several more times and submitted several email request to no avail.
Consumer complaint received 2024-03-03
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Halsted Financial Services, LLC. (CA)

On XX/XX/2024 Halstead financial did an unauthorized charge to my debit card ending in XXXX in the amount of {$120.00}. The agreement to pay back Halstead Financial did not include automatic payments from this debit card. There are no written agreements to charge this card for payments without my authorization.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Received a call from XXXX on Tuesday XXXX XXXX, XXXX regarding the account the motorcycle loan is listed under and he mentioned that the funds were never received. I requested a full audit transaction and XXXX to prove that XXXX never received it and I was told they 're not obligated to do that. In addition I 've mailed off a certified mail letter of validating that the debt is in fact true and I have yet to receive any real time source stating so.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I would like to add a little back story about why this happened. I'm an XXXX 10 years or so ago and when I was away I had lost my ID, Birth certificate, and Social Security Card. I'm unemployed and problem free. I just stay at home and work around the house. 

I opened a Captial One Checking account online on XX/XX/2023 using an Inheritance check I recieved from a deceased uncle in the amount {$2500.00}. I wanted to use this to get going with my life. My brother also deposited {$50.00} from his saving account into my account on the same day. Once I received the account bank card I try to activate it but the account was on hold, so I called CapOne customer service and they stated to activate the card I would need ID. I only had my inmate ID and they said it would not be good enough, so I had to go through the long process and nightmare of getting my ID, Birth Certificate and Social Security Card to even get an Texas ID. I finally got everything in order in XXXX and Called customer service but they stated the account was closed and was under investigation and would take 45 days before we would know the outcome. 
I was able to still log on online to my account but it says on XXXX XX/XX/2023 the money was subtracted from the account ( both deposits ). We waited the 45 days but heard nothing back from Capital One. I attempted to call customer service again and they stated without reason that I can not do buisness with them and that the money was returned to the source accounts. The check amount of {$2500.00} was not returned to issuing bank nor was my brothers {$50.00} returned to his savings account at XXXX XXXX XXXX. I still have the inheritance check but because to cash it with capital one online you have to write on the back FOR CAPITAL ONE when you endorse it. The money is not returned to the Financial Institution of my Inheritance. Capital One has kept both my money and my brothers money. Please help with this.
Consumer complaint received 2016-12-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: KEYCORP (NJ)

A while back, this company threatened myself, and my father verbally, stating that they were going to come after us and take away my fathers house. The man on the phone who refused to identify himself at the time also stated that he would make sure that I would be held responsible for not making the minimum payments which were too much for me to make at the time. I offered to send a lower amount in and he said that they would not take it. He went on again to say that he would make sure that they got their money if it meant taking my fathers house.
Consumer complaint received 2017-10-05
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I started searching for jobs online, I uploaded my resume to several positions at XXXX. One day I got an email for a personal assistant from this person called " XXXX XXXX '' he said he was very interested and offered me the job because of his busy schedule. He said he was an artist,  and traveled a lot so he needed someone to make the orders, take them from suppliers and all the personal duties he could n't be able to do. He said he was gon na send me the check immediately for me to go and get the materials he would need and my payment from there, so he sent an envelope via USPS with a check inside, the person apparently sending this mail was : XXXX XXXX. Address on envelope : XXXX XXXX XXXX XXXX, IN, XXXX. Inside of the envelope was the check with my name printed from a Bank of America account and from " supplier '' XXXX XXXX XXXX the letter said : ( with incorrect english writing ) that the check was for me to get the materials for XXXX XXXX so he could start the painting for them. So I went to Bank of America and asked the representative if it was an elegible check and she said it was and that the account existed and had funds, so I decided to open an account with Bank of America and then I deposit the check to my account. Meanwhile I was emailing and texting with this person " XXXX XXXX '' and he was following up what I had to do each assignment, deposit, etc. I told him the funds were on hold and I started telling him what I wanted more information about : his identity. He said he was out from city and he was coming back, and he continue like that until the check was available and Then he asked me to deposit to another supplier the rest of the check ( taking my " payment '' ) the information he gave me was : XXXX XXXX account name : XXXX XXXX. Checking account No. XXXX When he asked me to do that, I insisted on him to identify himself and he sent me some pictures of a man with artworks. But after that I also asked him for a picture of his ID with his name on it, I told him - '' cover your info I just want to see that because this is weird, more everyday. '' He was agreeing with me but at the end he said if I wanted to run with his money and that he would call autorithies, I told him absolutely not and that I only needed an identification to know who am I working with. After that my account from Bank of America was closed and freezed and I went to see what happened and the manager told me I just made a fraud to Bank of America and I can not open an account or credit at any bank in the Country, she said Bank of America ca n't or want to help or have any relation with me. I did not send any funds to anyone, the " check '' was deposited to my account by me so they say I am part of fraud and now I ca n't get credit from nowhere because Bank of America reported me to XXXX and XXXX XXXX XXXX. I need help I have every proof, information, emails, receiot, etc necessary I need to take this off from me. Thank you very much.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the CONSUMER. I have the right to make sure my private information isn't shared, which 15 USC 6801 backs that, and it states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' I C SYSTEM and ATT U VERSE is a financial institutions by definition under that title. 15 USC 1681, Section 604a, Section 2, states that " In general, subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I C SYSTEM and ATT U VERSE the financial institutions, and consumer reporting agencies XXXX and XXXX do not have my written consent. Any and all consents to XXXX, XXXX, I C SYSTEM and ATT U VERSE whether verbal, non-verbal, written, implied, or otherwise, are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option., I C SYSTEM and ATT U VERSE never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting again without my permission, which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under Section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining responsible procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out anytime. '' I am opting out of your reporting services. ''
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2024 I had a payment due to come out of my checking account for XXXX. My account was short XXXX, but I have over draft protection on my checking account. I was told that any thing under fifty- dollars would not be charged an overdraft fee. When XXXX XXXX attempted to pull the XXXX out of my checking account Chase Bank did not allow it to go through. I recieved notification from XXXX XXXX that the transaction had been resended, this caused my credit score that I am working on building to drop points!
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (AL)

Someone opened or is trying to open a Chase personal checking in my name and it was not me. I recieved emails this morning telling me at XXXX and again at XXXX XXXX on XX/XX/2024. It was not me I havent even been on chase to open a account and I will never have a chase account. I have all the accounts I already use and happy with.
Consumer complaint received 2021-10-31
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. (GA)

XXXX, XXXX and experian reporting mortgage as new when it is the same mortgage for 20 plus years it was just refinanced and reflects on score as such
Consumer complaint received 2024-03-03
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (GA)

Hello I was Contacted From These Two Companies Resurgent Capital Services & LVNV Funding LLC. Can't Seem To Figure Out Why This Company Is Trying To Reach Out To Me On A Alleged Debt When They Are NOT Legally Licensed & Bonded To Collect Any Debt From Me In The State Of Georgia. Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts. Under 15 U.S. Code 1692d-Harassment And Abuse I Have Been Harassed And Now I Have Trauma Because This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you RESURGENT CAPITAL SERVICES & LVNV FUNDING LLC that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information. ACCOUNT NUMBER ENDING XXXX RESURGENT ID : XXXX
Consumer complaint received 2017-10-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I called wells fargo XXXX number and asked them not to renew my CD, the did this correctly for one account and transferred to my savings account, i called again next month for another CD that was going to expire in 7 days, they said its taken care of and wont be auto renewed in XXXX 2017. now when i check my account its been auto renewed the issue for another two years, when i called them they are transferring m back and forth and not ready to fix
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (CT)

On XX/XX/XXXX I opened a My choice premium checking account at M & T bank XXXX XXXX XXXX branch ( XXXX XXXX  XXXX XXXX, XXXX XXXX CT XXXX ). The account had a promotional bonus of {$350.00} which would be credited by XX/XX/XXXX if the customer met the qualifying requirements. 
I did not receive the bonus on XXXX so I called the bank 's customer service department early that morning and a representative told me that I met the requirements but did not receive the bonus because the branch did not put a request in. I called the XXXX XXXX branch and spoke with XXXX XXXX XXXX XXXX who opened my account when I visited the branch in XXXX was out ) .He promised to call me back but did not call. 
So, this same day, XXXX, a few hours before bank closing I called the bank again but nobody answered. I left a voice mail but have not been called back. 
I am asking the bank to credit my account with the bonus which I earned. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certegy Holdings, LLC (NY)

Certegy Payment Solutions , LLC continue to violate The Fair Credit Reporting Act by using false information that is incorrect, inaccurate and false to XXXX, which result in the denial of financial services. This action cause financial hardship, emotional distress and sever financial suffering. 
Attempts to contact the company representative has been met with phone calls being disconnected. 

I have attached a transaction receipt that was processed on XX/XX/24, which provide proof of the violation. According to Certegy Payment Solutions , LLC own statement, as follow " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Factors may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. Although this recommendation is final, we will evaluate all future checks at the time they are presented. Another option to cash this check is to visit the financial institution listed on it. '' The company provide no guidelines to customers, it's cashing location have no documentation or explaination, but refer me to contact the company. 
The company refuse to provide the do any information, such as the check number, dollar amount, check cashing history, or other transaction details, which it uses to deny the financial transaction. This behavior is no less than that of a criminal organization!
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

It has come to my attention that COMENITY BANK are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Consumer complaint received 2017-10-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have informed XXXX and Transunion that the XXXX XXXX was never late in 2014. I have had a difficult time trying to get Transunion and XXXX to to remove this inaccurate information from my credit file. Please assist me in getting this account removed from my credit file.