davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Arcon Credit Solutions LLC (NY)

I received a letter from Arcon Credit Solutions Reference # XXXX in care of XXXX XXXX XXXX XXXX. As per letter received give the option to dispute the matter by XX/XX/2023. 

I disputed the matter as according to the letter received before XXXX XXXX via USPS Express Mail and also emailed Arcon Credit Solutions at I disputed the amount claimed, requesting proof of all transactions, requested all signed documents with my signature from the previous creditor, requested the original creditor and address of the creditor in which XXXX XXXX XXXX purchased said account. 

However, Aaron Credit Solutions seemingly refuse to provide me proof of any kind. The reps. are calling my home, my cell phone being rude and harassing me. 

I followed their procedure as according to the letter sent by Arcon Credit Solutions before XX/XX/2023. That has not stop this company from harassing me and any family member that picks up the phone.
Consumer complaint received 2023-06-28
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$5600.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$250.00} ; XXXX XX/XX/2021.
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Airtm Inc. ()

I have been experiencing an ongoing issue with Airtm, a financial service provider specializing in money transfers and virtual currency. Despite my attempts to resolve this issue through their customer support, my communications have been disregarded. Specifically, my messages were moved to a new ticket and previous unanswered communications were deleted. I have documented the conversations anyway. 

Furthermore, under the pretext of 'Know Your Customer ' ( KYC ) verification, my account was unexpectedly locked, hindering my access to my funds. Not only has this been inconvenient, but it also raises serious concerns about the security and reliability of Airtm 's services. 

In addition to my personal experiences, I have found numerous similar complaints on XXXX, indicating that other Airtm customers are also experiencing issues. The primary concern is Airtm 's tendency to hold customers ' funds for extended periods without providing clear reasons or adequate customer service. 

This pattern suggests potential fraudulent practices on Airtm 's part and a failure to uphold standards of professionalism and customer service. Despite giving Airtm ample opportunities to address my concerns, the issue remains unresolved. Given the gravity of the situation and potential legal implications, I am seeking an immediate resolution and assurance that such unprofessional conduct will not be repeated. 

Should the issue not be resolved to satisfaction, I am prepared to take further legal action if necessary. As a legal professional, I am fully aware of my rights and am prepared to defend them to ensure that my case, as well as those of others who may be in a similar situation, are appropriately addressed.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (TX)

YOU HAVE. VIOLATED FEDERAL LAW. PER REGULATION F YOU MUST PROVIDE NOTIFICATION AND THE RIGHT TO DISPUTE ****BEDORE ***YOU PLACE ANYTHING ON A CREDIT REPORT. YOU HAVE ADMITTED IN WRITING YOU PROVIDED NO SUCH NOTICE. NOT ONLY THAT AFTER BEING TOLD YOU HAD THE WRONG ADDRESS ( ALSO IN WRITING ) YOU SENT INFORMATION TO THE WRONG ADDRESS WITH THE NAME OF YOUR COMPNY ON THE OUTSIDE OF THE ENVELOPE VIOLATING 3RD PARTY DISCLOSURE. NOT ONLY HAVE I FILED A COMPLAINT GINST YOUR ATTORNEY WITH THE STATE BAR I HAVE FILED COMPLAINTS WITN THE TEXAS ATTORNEY GENERAL AND, ATTORNEY THE GENERAL OF UTAH WHAT YOU FAIL TO REALIZE HERE IS I HAVE NEVER PICKED A BATTLE I LOST. 
THIS WILL. NOT BE THE FIRST. 
ONCE AGIN REG F REQUIRES WRITTEN NOTICE OF A DEBT AND THE RIGHT TO DISPUTE THAT DEBT BEFORE PLACING AN ACCOUNT ON THE CREDIT REPORT NOT AFTER. 
AND YOU ADMITTED IN WRITING YOU DID NOT DO SO. 
I AM HAPPY TO MAKE YOU THE TEST CASE FOR OT PROVIDING NOTICE. 
I WILL ALSO BE SUING YOUR CLIENT. AND BASED ON THE. U BRR OF CPMPLAINTS WITH THE XXXX  IT WILL BE A CLASS ACTION.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (VA)

I received a text from Citibank credit cards stating that it was from their fraud department and they needed to speak to me about my account and shared a phone number to call. After calling their fraud department, they are somehow unable to verify my account using my phone number or email registered on the account and have to resort to sending me a letter through snail mail to validate I'm the owner of the account. I tried talking to a supervisor and calling back again but no one was able to help me verify my account through any other methods besides the snail mail letter. The letter can take up to 10 business days to arrive and in the meantime my credit card is locked and I can't use it to pay for important purchases. This problem has been reported by many people online as seen in the links below XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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. (NV)

This is the second time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect data on my credit report. 

XXXXXXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} ; XXXXXXXX XXXX XXXX : {$5000.00}.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

XXXX5 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I have an issue with American Express regarding my Delta Air Lines SkyMiles Platinum card Account ending XXXX 


XX/XX/2023 American Express charged me a {$250.00} annual fee for my Delta Air Lines SkyMiles Platinum American Express card. 


XX/XX/2023 I called American Express to discuss options regarding the annual fee and the AMEX XXXX was quick to cancel all the cards associated with the account, never discussing options and never disclosing or hinting at the fact that I might not be entitled to a full refund for the {$250.00}, my sole reason for calling. 


End of XXXXXX/XX/2023 I called American Express again because my account had not been credit the {$250.00}. The AMEX agent was surprised that after 24 years of loyalty to AMEX, the agent on XX/XX/XXXX was so quick to cancel the cards, without attempting to retain me as a customer or discuss other card options. I explained that I was seeking that the {$250.00} be refunded or the card be reinstated. The agent promised to launch an investigation which would include reviewing the recorded call from XX/XX/XXXX and that I would be notified by mail within several weeks. 


XX/XX/2023 American Express never sent me the promised letter regarding the results of its investigation, so I called again. The AMEX XXXX reviewed their internal investigation and explained that their terms and conditions that I received 24 years ago on opening the account state I have 30 days to cancel the account and not be charged the annual fee. Calculating XXXX business days from the date of annual fee charged on XX/XX/XXXX, I should have been granted a window to XX/XX/2023, and I called on XX/XX/XXXX. 


I sought diligently to find a solution that was reasonable. I continued to request that : ( 1 ) the {$250.00} fee be refunded ; ( 2 ) the card be reinstated ; and ( 3 ) the agent introduced a third possibility, that the {$250.00} be credited towards the annual fee of a new AMEX account. The agent promised that her supervisor would call me within four hours to resolve the issue. The call concluded at XXXX XXXX ( EDT ). Regrettably, another broken promise as I did not receive a call from AMEX, not even a courtesy call explaining that the supervisor would contact me at a later date. 


During my 24 years of association with American Express, I had always found the company to provide excellent customer service, responsive and cooperative. During XX/XX/2023, its a radical decline : unreasonable and completely unresponsive.
Consumer complaint received 2022-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (OR)

Sometime in XX/XX/XXXX, I applied for a Direct Loan Consolidation of my two FFEL consolidated subsidized and unsubsidized loans that were held and serviced by XXXX. The subsidized Federal Consolidation Loan principal total = {$40000.00}. The unsubsidized Federal Consolidation Loan principal total = {$43000.00}. The total Loan Payoff Amount : {$84000.00}. ( see attached Verfication Certificate Detail ). I have been told by XXXX, that they do not have my Direct Loan Consolidation Application and Promissory note from XXXX. I was told by XXXX that I would need to contact my current servicer to obtain the Direct Loan Consolidation Application and Promissory Note. I contacted my current servicer Nelnet and they said my current file has not been fully updated because it was recently transferred from XXXX. I have contacted XXXX XXXX XXXX, XXXX as well as XXXX and none of them have been able to supply me with my Federal Direct Loan Consolidation and XXXX XXXX from XX/XX/XXXX. 

Sometime in XX/XX/XXXX, I signed off on a Federal Direct Loan Consolidation with the Dept of Ed via XXXX XXXX XXXX XXXX or XXXX XXXX ( see attached Direct Loans Consolidation Loan Verification Certificate ). According to my XXXX data and the Direct Loans Consolidation Loan Verfication Certificate authenticated by DOE official, XXXX XXXX on XX/XX/XXXX, the Direct Loan consolidation disbursement date was XX/XX/XXXX and Anticipated Actual Completion Date was XX/XX/XXXX. Per XXXX, In Repayment started on the Direct Loan Consolidation on XX/XX/XXXX. 

On XX/XX/XXXX, I received from XXXX, the Lender Verification Certificate for the Direct Loan Consolidation confirming that I had infact requested a Direct Loan Consolidation in XX/XX/XXXX. ( see attached XXXX document )
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I closed my XXXX XXXX credit card on ; XX/XX/XXXX due to my infrequent use of the card. I was told by XXXX in customer service, I would receive my final bill in the mail. I always received paper bills and have never signed up for paperless. I never received any further bills. However on XX/XX/XXXX XXXX from customer service called me and stated I was delinquent on my bill. I told him I never receive any further bills. He informed me of some charges dating back to XX/XX/XXXX to XX/XX/XXXX totaling {$260.00}. I recalled the charges and immediately told him I would pay on my Online Banking while he was on the phone on XX/XX/XXXX ( amount {$260.00} to pay balance in full ) On XX/XX/XXXX I received a refund check in the amount of {$240.00} stating ; Attached please fine a refund check from your account. Thank you for your business. Sincerely Customer Service ( That was the entire letter, which I have a copy of ) Now I getting continuous bills stating I owe Synchrony Bank {$280.00} plus late charges. I have reach out numerous time to state I have a copy of my final payment to them. 
I have called them on XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XXXX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX. 

I have told them numerous times I paid them in full. And yes I received a refund check. for {$240.00}. Not the same amount I paid to close the account. I question there billing and non billing of my account. And now a refund check is all in question. I will not send any further payments nor returned any refund that was due to me.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (NY)

XXXX application approved XXXX sent out XXXX XXXX  as a card was never received. 
XXXX states a card was mailed XXXX XXXX XXXX XXXX  as a card was never received. Asked them to cancel account and remove from credit report completely as the account was never opened and/or activated. She states the account will be shown on my credit report even though it was never activated. This should not happen. It was fraudulent on the companies behalf in doing so.
Consumer complaint received 2024-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/XXXX my Capital One card was used for a purchase on XXXX website for the amount of {$94.00}. The item arrived broken and the package was returned to XXXX for a refund via XXXX. However, XXXX lost the package for nearly a year. The package was eventually located and returned to XXXXXXXX XXXX XXXX XXXX. I previously filed a chargeback but the case was denied due to sufficient evidence. When I discovered that the package had been returned to XXXX I reached out to Capital One again and provided the proof that the package had been returned. That proof is attached to this complaint. Capital One sent me a letter back that says, in part, it lacks all of the previously requested information needed to validate your dispute. This letter is dated XX/XX/XXXX despite being received on XX/XX/XXXX. This means that Capital One didnt review the proof that the package was returned. The case number for this complaint is XXXX and the last four of my account number is XXXX. I need someone to review the attached proof of return and credit my account accordingly.
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (LA)

My Mortgage servicing company has repeatedly ( for years ) misapply my escrow payment. On XX/XX/XXXX I sent an electronic transfer in the amount of {$3400.00} to cover my escrow shortage. By paying the escrow shortage my monthly noted should be {$140000.00}. If I didn't pay the shortage my note would increase to {$1700.00}. LoanCare processed it on XX/XX/XXXX as 2 different transactions : the 1st in the amount of XXXX and another in the amount of {$1700.00}. Because these funds were not properly disbursed to the escrow account my monthly mortgage payment increased to {$1700.00} instead of the correct amount of {$1400.00}. 

On or about XX/XX/XXXX I contacted LoanCare regarding an error in my escrow account and payment resulting in an incorrect increase in my monthly mortgage payment. After approximately an hour on the phone I was assured everything was taken care of and my account was up to date. 

On XX/XX/XXXX, I opened my statement to find that the error had not been corrected. Again I phoned the customer service dept and spoke with XXXX who quickly and wisely transferred me to the " Escalation Dept '' when I was rudely assisted by operator XXXX ( XXXX? XXXX? ). He informed me that I was wrong. My account was not up to date and I owed some outrageous amount of money. I asked to speak to his supervisor and he informed me that there was no one higher who could help me. Eventually, after a heated conversation he agreed to forward my case for further investigation. At this point I called XXXX XXXX XXXX, EVP, Client Relations and left a voicemail and contacted XXXX XXXX. 
At XXXX XXXX 's request, I was contacted by XXXX XXXX XXXX on XX/XX/XXXX. Have several hours I was informed that the " error '' had been corrected. 

Unfortunately, the error appearently has not been correct as I received a FedEx on XXXX, XXXX requesting me to " act now to prevent foreclosure '' ( this is paraphrased ). 
I called XXXX XXXX immediately and have left a total of XXXX voicemails, XXXX voicemail for XXXX XXXX and an email to both. To date neither have replied. 

I have spent hours on the phone with LoanCare trying to correct their accounting error only to be treated rudely and as if I was at fault. If this had been the XXXX time I had this experience with LoanCare I would be more forgiving. However, over the past several years this same issue has resulted in numerous hours of my time being wasted correcting their accounting errors. 

During the COVID crisis, I was originally denied forbearance because I was " delinquent '' on my account prior to the COVID crisis. Of course, this was not correct, it was a direct result of their accounting errors. I have never been delinquent on my mortgage. I pay religiously every month as a matter of fact, I pay additional funds every month. 

XXXX XXXX
Consumer complaint received 2023-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (TX)

I have sent in the payoff for this account three times. I have followed all the banking laws under the CFR codes, the indentured trustee act and the bill of exchange act. 21st mortgage refuses to send the documents to the indentured trustee at the XXXX XXXX XXXX XXXX XXXX to process the security I have sent them. The cfr code XXXX states that once payment has been accepted it must be processed and the debt must be discharged. 

I have saved copies of all mailings and have all the tracking numbers to show they have been paid. 

Also I know the company has been paid for this loan already and is trying to charge me interest on a loan that they have already been paid for. The company is double dipping.