davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NJ)

I sent American Express a payment XX/XX/2023 using a negotiable instrument and they are refusing to honor the payment. I sent a postal money order with a clear and conspicuous statement on it which stated I accept your offer in the amount of {$6200.00} for valuable consideration and tender this payment for the complete amount in accord land satisfaction upon redeeming This instrument. Without recourse By : my name. 
I am an authorized user for this account and the payment was sent in the name of XXXX XXXX. Both of our names are on the account. 
Once they accept this payment they are accepting the new terms I wrote in the negotiable instrument. There are laws that back this as well. UCC 3-311 accord and satisfaction states that if I can prove there was a clear and conspicuous statement in that money order than the debt is discharged. American Express is refusing to honor this and they are supposed to abide by these laws UCC3/603 tender of payment says if the payment is legal and they refuse it there it still discharge!! UCC 3-409 acceptance of draft states that as soon as they cash the negotiable instrument the new contract starts. 

American Express is clearly breaking the law and not honoring a lawful tender of payment!!
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/23 I called Bank of America ( BOA ) requesting the benefits that came with the card. I am particularly interested in XXXX car rental benefit since I will be renting cars overseas. The benefit phone number ( XXXX ) is not listed on the back of the card which is a XXXX  hurdle and obtaining it requires a long line wait and prompts to get to the CSR to obtain it. XXXX  is the misinformation that is given to customers by BOA that this is handled by the department within the BOA. It is not as it is handled by a third party vendor to the BOA. I XXXX  attempted to receive info about the entity handling this benefit I was told that it is a generic " claims center '' and then I was hang up on. 
So the question is : please list the entity to which this function was subcontracted to. Full corporate entity name and corporate address. 

XXXX, the overseas rental car companies require a letter from a card issuer ( letter of benefit ) and not from a third party or a processor, stating that the customers such as myself has a coverage for the XXXX otherwise they will require a customer to purchase XXXX. The BOA refused to provide this letter stating that it is the other department 's responsibility to do so ( once again fraudulently alleging that the benefits management function is done inhouse ). In other words the BOA is effectively refusing to provide a benefit it advertised that it does which is part of its marketing. 

,
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/XXXX  I sent XXXX dollars total to a sender on zelle from XXXX who stated they would send XXXX XXXX tickets. Ended up that they were not who they stated they were and never sent tickets. I have contacted zelle, XXXX XXXX, and XXXX and they have not been able to reverse the charges.
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (RI)

I have an account with PayPal. I own bitcoin held in my account. I want to transfer my bitcoin out of PayPal to another account and Im not able to. I first tried in XXXX and the multiple attempts due to glitches with their app was finally successful transferring some of it on XX/XX/XXXX. They only allow a maximum of {$10000.00} per transfer, so I still have quite a bit left with them. I have not been successful in transferring anymore out since XX/XX/XXXX because their website/app keeps crashing saying there is an error and try again. After multiple phone calls to customer service who tell me I am the one locking my account due to too many attempts Its being flagged as fraud. So I wait their requested 48 hours and it still doesnt work. They tell me the system resets on Fridays, so I have tried after that and still doesnt work. Finally a manager admitted that they have technical problems on their end that engineering is trying to solve. In the meantime, they are holding my bitcoin XXXX  as I do not have access to it. I want to transfer it out of PayPal before XX/XX/XXXX and dont see that that is possible.
Consumer complaint received 2024-11-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

XXXX is the employee ID number for CITIBANK - XXXX was the employee, however I have received numerous calls from them. That is harassment. If you think I owe any debt to your company send proof in writing only VIA MAIL. 
According to 15 USC 1692 may not harass or annoy.

I revoke all calls, texts, emails.

Please provide me 1099B form that I have continuously asked for, or I will take legal action. 
I demand all of these requirements.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc. (VA)

I was on hold with NelNet for just shy of 2 hours. Someone answered the phone, took my name and social security number, and then disconnected the call. All I need is the account number so I can make a payment. I do not have another 2 hours to wait to get this information. I can not log into the online system because I am the co-signer and the student borrower has defaulted on their loan, thus leaving it to mess with my credit.
Consumer complaint received 2023-12-27
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: Mr. Cooper Group Inc. (AL)

I have called Mr Cooper a dozen times & can never get a representative on the phone. Each time I have to go through at least 10 minutes of unnecessary recorded messages before I can get to a menu option that is supposed to connect me to a representative. Their system supposedly transfers me to a wait queue then keeps me on hold another 5 minutes all the while telling me someone will answer shortly then it hangs up on me. My mortgage was with XXXX XXXX & it was not my choice to have my mortgage with this sham Mr cooper company & at this point I dont believe anyone works there. Please shut this scam company down.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (NV)

On XX/XX/XXXX I requested copies of my credit report and at that time I noticed unauthorized inquiries as well as incorrect personal data contained within my credit reports. Then on XX/XX/XXXX I submitted a request to all XXXX  credit agencies ( XXXX, XXXX and XXXX ) to delete this inaccurate information from my credit reports. XXXX days later after receiving an updated credit report the information still has not been removed. So on XX/XX/XXXX I submitted my XXXX request to have this information corrected and deleted. As of today it has in excess of XXXX  days with no resolution. I am reaching out for your assistance in expediting this matter. 

Here are inquiries in question that need to be removed : These are reporting on XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XXXX XX/XX/XXXX XXXX did not authorize please delete. 
700 Credit XXXX XXXX XX/XX/XXXX I did not authorize please delete. 

These are reporting on XXXX : XXXX XXXXXXXX  XX/XX/XXXX I did not authorize please delete. 
XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XX/XX/XXXX I did not authorize please delete. 

These are reporting on XXXX : XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX MXXXX XXXX XX/XX/XXXX I did not authorize please delete.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (MA)

I am an existing online savings account customer and attempted to open a joint online savings account this morning with my XXXX son XXXX ( XXXX was to be the primary owner, and I the secondary owner ). We first attempted to open it online and then called the bank ( Marcus by Goldman Sachs ) as instructed. After lengthy conversations the bank representatives and supervisor stated the account was declined, allegedly due to a mismatch of information, but refused to say what that mismatch was or to provide further information either over the telephone or in writing, claiming that she was not permitted due to privacy reasons. My son lives at home and is a XXXX XXXX XXXX. I am confident that all information provided was correct, including his Social Security number. He has never had a credit card and may not have a credit bureau file open for him yet.
Consumer complaint received 2023-12-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC (FL)

During the month of XX/XX/2023, I received numerous phone calls from Rocket ( Rock ) loans about being late on payments. I explained a few times to the caller that I don't have any loans with Rocket and to stop the calls. They assured me I did have a loan and the calls persisted which I just ignored. Shortly thereafter I was notified my credit score had dropped like a rock which I pursued and discovered Rocket had indeed issued me a loan, unknown to me, because quite simply, I'd never applied for one, didn't need one and never got any kind of loan document to review or sign. Called Rocket and was told to submit an Identity Theft Form and a police report by mail to XXXX XXXX XXXX XXXX XXXX XXXX. This information was mailed XX/XX/2023. 
To date, I've not had any response from Rocket whatsoever. Not even a note they're investigating the issue.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( no account number is presented on credit report ), has violated my rights by reporting its fraudulent, identity theft, debt buying account to Equifax credit bureau in an effort to knowingly collect a debt it is not owed. XXXX is reporting an open account to Equifax damaging my credit and my reputation as a consumer. I have no open accounts with XXXX nor have I ever done business with XXXX, which is why its does not report an account number. I have disputed this fraudulent identity theft account before in an effort too permanently remove it from my credit bureau report. When I dispute, it is removed and then put back on my credit report again. I have requested a copy of the original credit application with my signature showing I opened any such account, as of yet, I have not been provided a credit application with my signature and/or a response to my request for said original credit application. XXXX XXXX XXXX, has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX XXXX XXXX, has violated my rights by continuously reporting an inaccurate collection account to credit bureaus. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

on XX/XX/year>, i sent a formal dispute letter to Helvey & Associates, INC via email, requesting verification of a collection account appearing on my credit report. the account is listed as collection for {$910.00} account number XXXX, associated with XXXX XXXX XXXX XXXX. I do not recognize this debt and believe it was reported in error. 

I included all necessary supporting documentation and proof to demonstrate why this account may not be valid, and i asked the company to provide verification of the debt. I also provided my contact information for a response. 

As of today, XX/XX/year>, more than 30 days have passed, and i have not received any response from Helvey & Associates , INC . This lack of response violates the Fair Credit Reporting Act ( FCRA ), which requires the company to complete its investigation and respond to disputes within 30 days. 


What have i done so far : 1. Sent my dispute on XX/XX/year> via email. 
2. confirmed email was sent on XX/XX/year>. 
3. waited for the 30 day investigation period to elapse.

What i would like to happen : I am requesting that Helvey & Associates, INC either : 1. provide verification of this debt, including all documentation supporting its validity, or 2. Remove the collection account from my credit report immediately if they can not validate it.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (NJ)

I have disputed a account with XXXX multiple times, for not being MY debt. The company keeps verifying the debt to XXXX, yet I have NEVER received any information on the account from the company in question. No phone calls, no emails/ texts, NO mail, ever. Supposedly this has been around for XXXX  years and I've never been aware of anything. This account is not mine yet they are reporting otherwise without Verifying information to me.
Consumer complaint received 2024-11-21
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (IL)

I have been receiving continuous calls from Ashmer Collection Services ( or similar debt collection company ), even after I explicitly requested they stop contacting me. On [ insert date ( s ) of communication ], I informed them that I did not want to receive any further calls. In addition, I requested that they provide me with a detailed breakdown of the debt, including all charges and a document bearing my signature, which they failed to provide. Instead of complying with my request, they continued to contact me. 

Despite this, they did not send me the requested documentation and continued to harass me with phone calls. I have made several attempts to resolve this issue, including asking for written confirmation of the debt and proper documentation. However, their actions have caused unnecessary stress and are in violation of my rights.
Consumer complaint received 2024-11-21
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: Freedom Mortgage Company (TX)

XXXX of XXXX XXXX did a address change. Isupplied documents all entry address with phh mortgage was corrected. They sold the mortgage to Freedom mortgage and has been a problem ever since. They changed the address back to the old address. I sent the XXXX document provided by the sheriff department in XXXX XXXX. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. I have given copies also of the county where they pay the taxes to. I have called and spent many hours to be told the document i have isn't a XXXX document though the sheriff department and USPS state it is the the document. The sheriff department gave me a number for the mortgage company to call and verify the address.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC (MO)

Dear Westlake Service Inc, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : Westlake Service Inc, dated XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. 

This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. 
Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. 

If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. 

Please confirm in writing that the inquiry has been removed and payment will be made. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company (SC)

I am writing to you because after countless attempts made I have not been able to speak with the correct person within Freedom Mortgage to address the overage that was paid to Freedom Mortgage when I paid in full on XX/XX/year> that has not been sent back to me. 

I received a check for my escrow refund but not for the principle paid for XXXX, the 11 days of interest that was paid for XX/XX/year> and the three days of interest that was overpaid for XXXX. The payoff was good through XX/XX/XXXX and the full payoff in the amount of XXXX was wired XX/XX/year> and the same day I received confirmation my mortgage been paid in full. 

I am able to provide proof of payoff on XX/XX/year> and the payoff letter good through XX/XX/year> if I need to showing {$180000.00}.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX CARD - XXXX Educators XXXX - XXXX XXXX XXXX - XXXX CBNA - XXXX CB/Boston - XXXX XXXX XXXX - XXXX XXXX LT - XXXX XXXX Cred - XXXX Capital XXXX Inquiry - XX/XX/year> JPCMB Card Inquiry - XX/XX/year> XXXX Inquiry - XX/XX/year> XXXX FCU Inquiry - XX/XX/year> XXXX Inquiry - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> Please XXXX this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX XXXX of identity Trafficking documentation
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

My refrigerator was repaired while it was covered by their Extended Warranty program provided through my Citibank N.A. issued card. I submitted the documentation for reimbursement 4 times over a period of 4 months using a combination of email address. I've also called them multiple times, but have yet to receive reimbursement.