davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There is an account on my report listed as XXXX XXXX XXXX  and is reporting as past due. I did not attend XXXX XXXX and do not owe this institution any money. This should not be reporting under my name and is violating my consumer rights.
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SIMMONS FIRST NATIONAL CORPORATION (MO)

I received a fraud alert from Simmons bank via text. 2 minutes later I responded advising the transaction was not authorized via their automated system. As I used an automated system, I received the message that my debit card was cancelled. I immediately called to say I did not authorize the transaction but I wanted to keep my debit card as I have had the same debit card for 7 years ( before Simmons bank took over ) the agent advised the debit card had to be canceled as my number was compromised. The next day I went to the bank and got a new debit card. The next day, the fraudulent transaction was pending in my bank account! I immediately called the fraud hotline and was advised, I had to file a dispute and the funds would be held for 7-10 days!! I advised the transaction should have been rejected when my card was cancelled. I requested a supervisor, I was on hold for 15-20 minutes, the XXXX  supervisor ( XXXX  or XXXX  ) came on the line and advised me, I had to wait until the transaction posted and then file a dispute. This is wrong, this bank allowEd someone on a website to use my debit card information to make a purchase, SIMMONS BANK was immediately notified the transaction was not authorized due to the fraud alert they sent me ( they knew it was a fraudulent activity because they notified me ) this transaction should have been rejected!!!! Period!!! They cancelled my card but didnt cancel the transaction!!! Instead they are holding my funds and requiring me to file a dispute. What kind of bank is this?
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX S.S : XXXX XXXX XXXX DISCOVERBANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear DISCOVER BANK XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete. Credit information. 
According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through the physical verification of the original signed consumer contracts any and all accounts you post on a credit report. Otherwise any one paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file for appended accounts listed below. 
XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Alleged account name and alleged account number, I am requesting a re investigation and verify that all the data for this alleged account is 100 percent accurately reporting correctly including every notation dates and balances whether they are currently reporting or not. 

Under federal law you have thrifty ( 30 ) days to complete your re-investigation .be advised that the description of the procedure used to determined the accuracy and completeness of the information is hereby requested as-well to be provided with fifteen ( 15 ) days of completion of your re investigating, Thank you for your prompt assistance in this matter. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (VA)

I am writing to file a complaint regarding an erroneous credit reporting issue that has led to undue reductions in my credit limits with American Express, necessitating intervention. 

On XX/XX/XXXX, I opened a XXXX XXXX. Subsequently, on XX/XX/XXXX, American Express notified me of a delinquency report from XXXX stating that my account was over 90 days past due. This report was factually inaccurate as the XXXX account had not been in existence for 90 days, making such a delinquency impossible. It is noteworthy that this erroneous delinquency report from XXXX has already been removed from my credit report thanks to the consumer financial protection bureau. 

Following this incorrect report, American Express reduced my credit limits. This action seems to have initiated a chain reaction due to a feedback loop in their system, affecting multiple credit cards I hold with them. I addressed this issue with American Express on XX/XX/XXXX, seeking a resolution. However, I was prevented by American Express from filing an appeal. The reason provided for the reduction in my credit limits was the initial, now-corrected, delinquency report from XXXX.
Consumer complaint received 2020-06-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (AZ)

I opened a checking and savings account with the BBVA Compass Bank at the XXXX, Arizona branch on XXXX XX/XX/2020. 
This account was opened on a bank promotion which said {$100.00} checking account bonus and {$50.00} savings account bonus, upon opening the account within the given time frame and making qualified direct deposit. 
I completed these requirements within the stipulated time which was validated by bank officials through telephone conversation on XXXX XX/XX/2020. 
I was supposed to get my money by 1st week of XXXX but it was not credited. 
So on XXXX XX/XX/2020, I filed a compliant with the bank to escalate the issue but till date they keep procrastinating it by telling that they are still working on it.
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

IC system has placed a collection back on my consumer report from XXXX that was removed two years ago due to identity theft. They are trying to collect on a debt that is not mine and that was removed from my consumer reports before. Not only did they not notify me that they were placing it on my reports but they did it. This dropped my credit score from a XXXX to low XXXX damaging my reputation. I do not have a contract with these people. Remove me from your data base and trying to collect on debt that is not mine.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

The collection info is as follows : LVNV FUNDING LLC Original creditor : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$560.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX I am writing to address the credit card account associated with my name, which I know to be inaccurately linked to me. It is evident that this card was opened without my consent or knowledge, as no payments were ever made on the account, indicating identity theft. 

Several factors support my claim of identity theft : Firstly, the transaction history clearly demonstrates that the credit limit was immediately maxed out, suggesting fraudulent activity. Additionally, the address associated with the account does not match my residence at the time the card was allegedly opened. As a result, any items purchased using this card were not sent to me, and I can not be held responsible for these charges. 

Moreover, the phone number linked to the account is no longer mine and had been changed prior to the alleged account opening date, further indicating fraudulent activity. As a result I did not receive any notification that this account had been opened. 

I have repeatedly disputed this charge and requested verifiable proof that I was the one who opened the credit card account. Despite numerous attempts, the necessary evidence has not been provided by the creditor. 

Under federal law, creditors are required to provide substantial evidence to verify the legitimacy of a debt before reporting it on a consumer 's credit report. As such, I urge you to gather the necessary identity verification documentation to confirm the authenticity of this account. 

It stands to reason that if someone had access to my social security number and birthdate, they could have easily opened this account. Therefore, it is imperative for the creditor to implement more rigorous verification processes before approving credit accounts to prevent fraudulent activity. 

Until concrete evidence is provided to prove that I am indeed responsible for this debt, I demand that it be removed from my credit report. I have exhausted all efforts to resolve this matter directly with the creditor and am now seeking formal action.
Consumer complaint received 2024-03-07
Product: Credit 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: JPMORGAN CHASE & CO. (DC)

XX/XX/year> I called and asked Chase why the credit card ending in XXXX was charged on a bill that was not yet due. I understood that Chase automatically places the charge on my bill before the bill is due. 
XX/XX/year> I attempted to block the Chase card ending in XXXX from completing that transaction but was alerted that Chase will still accept charges from reoccurring billers. So I went to all the creditors and removed Chase Visa credit card ending in XXXX then replaced with XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX. 
On XX/XX/year> I was able to lock the Chase card ending in XXXX. 
XX/XX/year> Chase Visa claimed they paid XXXX XXXX XXXX with Chase Visa credit card ending in XXXX I explained to Chase that on XX/XX/year> the XXXX XXXX ending in XXXX paid XXXX XXXX XXXX ( XXXX ). Chase said they would do further research. On XX/XX/year> I checked for Dispute update. There was no movement it was waiting for documents. I called Chase and was told that I need to read the Action Needed letter. I did not have the letter and asked what does Chase need? Agent said proof that another credit card paid the bill. 
On XX/XX/year> I obtained the Action Needed letter outlining the Action Needed On XX/XX/year> I uploaded the XXXX payment history. I checked for updates it showed waiting for documents. I called Chase again the agent said if I have proof that another credit card paid I should upload it. On XX/XX/year> I uploaded the following to Chase Dispute : XXXX XXXX Statement details for XXXX XXXX XXXX  - Shows payment posted XX/XX/year> - XXXX XXXX chat from XXXX XXXX Chat Transcript - Agent advised only one payment from XXXX XXXX XXXX XXXX in XXXX was taken. 
On XX/XX/year> I received the Chase Dispute Resolution that that stated Based on the information available, Chase found the merchant had no record of payment made by other means.
Consumer complaint received 2020-06-30
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. (MO)

The following accounts are both unknown and unauthorized, therefore I'm demanding that the major 3 reporting agencies remove and block the following. Or show just cause via physical documentation of why they are reporting such. Please remove 1 ) XXXX XXXX {$1100.00} 2 ) XXXX XXXX   {$61.00} 3 ) XXXX XXXX 4 ) University of XXXX  {$1000.00} 5 ) XXXX XXXX {$2900.00} 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$1300.00} 8 ) XXXX  {$5500.00} 9 ) XXXX   {$5000.00} 10 ) Dept of ED/ XXXX {$56000.00} 11 ) Dept of ED/ XXXX {$31000.00} 12 ) Dept of ED/ XXXX {$3200.00} 13 ) Dept of ED/ XXXX {$4200.00} 14 ) Dept of ED/ XXXX {$1000.00} 15 ) XXXX {$4000.00} 16 ) XXXX {$2600.00} 17 ) XXXX {$11000.00} 18 ) XXXX {$9600.00} 19 ) XXXX XXXX XXXX XXXX {$21000.00} 20 ) XXXX XXXX XXXX XXXX {$2600.00} 21 ) XXXX XXXX XXXX XXXX {$1400.00} 22 ) XXXX XXXX XXXX XXXX {$4000.00}
Consumer complaint received 2016-02-05
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Check Security Associates, LLC (MO)

I was originally contacted on XXXX/XXXX/16 at my place of employment by a XXXX XXXX claiming to be with the PreLegal Dept.with Warner Asset Services and referenced a case number of XXXX. I explained that these calls are unacceptable and not allowed by my employer and that I would call him back on my cell phone. I returned his call at XXXX ext. XXXX however ; when you call this number it does not state the name of the company, location or hours of operation and automatically prompts you to dial a extension number, which I found very odd. I was told I owed an outstanding debt to a company called XXXX over the amount of {$1800.00}. I advised XXXX XXXX that I did not owe this debt and that if this was a legit debt I would have been notified by US Mail, which I have not. He also called my daughter on XXXX/XXXX/16, claiming that I used her name as reference on this so called loan. I requested verbally that he Cease and Desist on calling me at work, on my cell phone and any family members on this debt that is not owed. They are also calling me from XXXX to make it appear that is a local call in the hopes I will pick up. I let it go to my voice mail and it is either a XXXX XXXX or XXXX XXXX using various company names of Warner Location Services, Warner Asset Location Services, Asset Location Services or Warner Assets Recovery. I have found online a Warner Asset Location Services, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX and also found online XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX. Today XXXX/XXXX/16 they have called my daughter, XXXX my sons, and non-family members from a number of XXXX stating that it is very important that I get in contact with XXXX XXXX over an important matter along with referencing the above case number. I was also contacted at my place of employment after stating that I was not allowed to receive these kind of calls at work. XXXX XXXX was very rude and verbally abusive and stated that I needed to pay up on this debt and threatened to submit a Verification of Employment with my employer, along with taking legal action against me. I have gone to the website of XXXX and have read all the complaints from others who are experiencing the same harassment I am. Apparently they are using illegal debt collecting practices to scare and scam people out of money that is not owed. They have previously operated under the names of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. They are currently not accredited with the XXXX in either XXXX or XXXX. It is very disturbing and alarming that they have tracked down my family members and now harassing them as well and trying to extort money out of me. There is never a Mini Miranda used when leaving a voice mail message or when I have spoken with them on the phone. I have past experience as a Debt Collector and recognize that these approaches and practices are not within the guidelines of the Federal Trade Commission and Fair Debt Collection Practices Act.
Consumer complaint received 2020-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates is a deplorable operation that breaks every rule pertaining to actual debt ownership and legal enforcement procedures. 
CASE NUMBER : XXXX I XXXX XXXX submitted a written answer to the above referenced lawsuit earlier this year. I along with the rest of America have been trying to surround a pandemic, and I deserved at least a hearing pertaining to actual ownership of any acquired debt by Portfolio Recovery Associates LLC. If I was granted at least a hearing I would have demanded true copy ordinality of ownership of any debt acquired by Portfolio Recovery Associates, LLC. I claim that no such documentation exists in the file contained with your court. Portfolio Recovery Associates LLC has throughout the last decade ben a defendant on multiple class action lawsuits collecting on phantom debts. If there is not true copy original documentation relating to ownership, then this debt should never have been considered enforceable. 
I would be granted relief in a federal court, but there simply is not a {$75000.00} standard on damages. I am however right in my position that this default judgment is unwarranted. 
II. LEGAL STANDARD Under 28 U.S.C. 1441, a defendant may remove " any civil action brought in a State court of which the district courts of the United States have original jurisdiction. '' A federal court has original jurisdiction over a civil action where there is complete diversity among opposing parties and " the matter in controversy exceeds the sum or value of {$75000.00}, exclusive of [ *4 ] interest and costs. '' 28 U.S.C. 1332 ; see also Carden v. Arkoma Assocs., 494 U.S. 185, 187, 110 S. Ct. 1015, 108 L. Ed . 2d 157 ( 1990 ). Typically, a defendant must file a Notice of Removal of a civil action within thirty ( 30 ) days of receiving the complaint. 28 U.S.C. 1446 ( b ). However, where it is not evident from the face of the complaint that a case is removable, " a notice of removal may be filed within thirty days after receipt by Defendants... of a copy of an amended pleading, motion, order or other paper from which it may be first ascertained that the case is one which is or has become removable. '' 28 U.S.C. 1446 ( b ) ( 3 ). Additionally, when a case is removed, " all defendants who have been properly joined and served must join in or consent to the removal of the action. '' 28 U.S.C. 1446 ( b ) ( 2 ) ( A ). 
I demand the vacate of the default judgment and I will take this insult to the Texas judicial system to the Federal Trade Commission and the Consumer Financial Protection Bureau. The law firm involved in this injustice will have to answer to the Texas Bar Association. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-01-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: SHAPESHIFT AG (GA)

I had {$200.00} that I wanted to invest into Ripple ( XRP ) with. I usually use ShapeShift. This company is supposed to be a very reputable and trustworthy cryptocurrency exchange. However, I recently noticed that they have been keeping peoples money for profit. This is a disgusting activity to take part in especially when you are running a service where trust is of utmost importance. I have yet to receive my XRP and I believe they are holding my money as a way to make them some extra cash. I am not ok with this and I demand that something is done. They do not deserve customers or business if this is the kind of operation they want to be running.
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' It has been 180 days i received an email to withdraw my funds but they are not letting me add my debit card to withdraw my funds. 

They need to restore my account so i can withdraw my funds
Consumer complaint received 2016-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Entered into a refinance transaction with PennyMac who currently holds my mortgage to get out of the current FHA loan and into a conventional loan and either remove or greatly reduce the mortgage insurance. Once the appraisal was completed, I reviewed and was shocked at where their appraiser came in at for the value. I work in the mortgage industry and have reviewed appraisals for 15+ years and knew the reconciliation was deeply flawed. Normally even though there is appraiser independence post mortgage melt down, a Lender 's internal appraisal department has the ability to review an appraisal and change the value used for lending if there are flaws in the appraisers result. PennyMac would not review and only sent my rebuttal to the appraiser who of course did not change his value conclusion and still did not provide justification for his value at the extreme low end of the market and his commentary actually supported the higher end of the market and his adjusted values for both closed sales and listings supported higher than his ultimate value. I even provided XXXX comps that were pending sales at the time of the report and also supported at least the middle of the value range if not the higher end. This is an issue for consumers especially with the resulting payment when compared with the fees and increase in principal at the end of the proposed transaction left no benefit of refinance. If I had not been in the industry I may have still proceeded with the transaction instead of cancelling as I did and been in a much worse position as the Rep never brought up the discussion on whether the new loan was still worth it with the much lower than anticipated value that left the LTV over 90 %. The only proposition brought up was to bring in {$4500.00} to pay down the principal to 90 % LTV which would lower the payment by less than {$100.00} so the money brought in would take at least 4 years to recoup and therefore makes no sense. I will attach a full breakdown of the assessment and flaws in the appraisal later in this process, but the lack of making sure the customer is put in the best position because not every appraisal will be acceptable while most are and the lack of guiding the consumer to the best situation for them financially is concerning if this were to happen to someone without industry knowledge or not financially savvy. It appeared they were just looking for a new transaction any way they could get it and if not they still held the servicing for the mortgage so either way PennyMac was set while the consumer was not.