davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

I had a XXXX account and decided to switch to XXXX XXXX. I called XXXX and while on a recorded line with XXXX we called the XXXX XXXX  costumer service to switch accounts. I asked the XXXX representative if i have to close the account myself to which they replied to as the account will be close automatically. I made sure to do this before the cutoff for my next monthly bill and paid my remaining balance. A couple of days later i got a bank statement charging me for my XXXX monthly account payment, i called the support line asking why i was charged but they told me they can not give me any information because i no longer have a unique passcode with them because i no longer have an account. I disputed the charge through my banking app and the money was refunded back to me. I do not get anymore messages or any mail from t-mobile about the outstanding payment to me and the last email i did get was on XX/XX/XXXX telling me my account is deactivated. Yesterday on XX/XX/XXXX i get a phone call from Amsher Collecting agency telling me i have an outstanding payment of about double of what i owed on my t mobile bill to which i replied to them to stop contacting me about it since i thought the matter was resolved. Today i get an email from the same company telling me to pay them. I gave t mobile a call to check on this issue and they tell me i need to give them a passcode again for an account they emailed me that is closed and i have not had access for almost a year now.
Consumer complaint received 2024-06-20
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: AMERICAN EXPRESS COMPANY (SC)

Good day. 

I have struggled with American Express to properly investigate my dispute claim on a product I didn't receive. I have asked to speak with the dispute team and I have been told by the representative that they don't have any access to reach them. As a client I have a right to have my dispute claim investigated in a thorough manner. This is not happening with American Express. I have sent overwhelming evidence that I didn't receive my vacuum cleaner from XXXX. American Express focused on a tracking number that XXXX had submitted and their final decision was enough proof that I indeed received the vacuum. 

I contacted XXXX and asked them to look up the tracking number XXXX. Upon their review, they told me my name, address nor product was not associated with that number. I have submitted that information into my dispute claim file at American Express. Again, I do not feel that American Express is investigating my case appropriately. I reached out to XXXX via XXXX and they again gave me the same above tracking number for my order. I told them this was an invalid tracking number for me. I was disconnected from XXXX. I have submitted all this information to American Express. 

I have been charged {$830.00} for an item I never received. I need an advocate for me to help me as I have justified in more ways than XXXX that I never received my vacuum. I am asking for someone to reach out to American Express, XXXX and XXXX on my behalf. I am asking for someone to reach out to me so I know someone is listening. 

I appreciate your time and help with this matter. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
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: AMERICAN EXPRESS COMPANY (FL)

American Express stated they did have permissible purpose to pull my consumer report leaving an unautorized inquiry. I will need American Express to provide me with my written instruction stating that I authorized these transactions and the IP address matching to the IP address of my device that is registered under my name at the time of this unauthorized transaction.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

CashApp, with my debit card information, withdrew the amount totaling {$3300.00}. {$120.00} on XX/XX/XXXX, {$350.00} on XX/XX/XXXX, {$650.00} XX/XX/XXXX, another {$650.00} on XX/XX/XXXX, {$1600.00} on XX/XX/year>. I was not notified by CashApp nor my bank, XXXX  XXXX XXXX. I did not authorize any of these withdrawals. My debit card is missing as well. XXXX  was found on my phone as well and immediately deleted. I am unsure of the origins of the malware. I have had CashApp in case XXXX was not available but I have never used CashApp prior to this fraud. I believe the XXXX  accessed my cashapp account. I was not notified about the unauthorized withdrawals. I filed claim with with XXXX  XXXX XXXX as well, pending answer. The subsequent funds were used to buy XXXX and sent to an unrecognizable address. CashApp has denied my claim.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Self Financial Inc. (NY)

Im a Self customer and on XX/XX/XXXX I was approvedfor a new Self Plus Card. 



On XX/XX/XXXX I had a card mailed out USPS. 14 business days passed and I Was told a new card would be expeditedout via XXXX that was on XX/XX/XXXX. I was told a new item # was generated and they the card was shipped. I called and no one could providea tracking number. 

I got an email on XX/XX/XXXX from XXXX that a card was shipped again on XX/XX/XXXX but they never got the XXXX tracking number so therefore they concluded it wasnt shipped and they canceled that replacement card as well and will issue a new one to be sent via XXXX and I should Stand by for another tracking number issued within 48 hours They said they would wave the initiation fee of {$35.00} dollar as well. 

On XX/XX/XXXX I got another email stating that they are working with visa to determine why it wasnt expedited and they say that it was sent with usps over a month ago hit dont have a tracking number for that. They said within 24 hours I will have a new XXXX  tracking number which will not constitute a 4th attempt to mail me a card Something is happening at the company and there is no transparency. Customer service is useless as no one can communicatewith the expediteddepartment. 

No supervisors call me despite numerous days of waiting for a call. 

The case # is Case XXXX
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I began to receive notifications from Bank of America about overdue fees from a Spirit Airlines credit account that I had never opened earlier this year. At first, I assumed it was spam or a mistake. In XXXX of this year I called and realized that it was an account I was not aware of that used my actual name, DOB, and social security number. I filed a fraud claim with Bank of America about this card- of which there were two accounts opened in my name : ending in XXXX and XXXX respectively. I continue to get calls about overdue fees on both of these fraudulent accounts from Bank of America despite having an open Fraud Claim with them. This week, I was told that my fraud claim was denied by Bank of America because of a transaction on the card from XXXX ( not sure why this would pose a. I have since opened an account with XXXX- they have filed a credit dispute and informed me that that Bank of America card was opened at the end of 2023. I was told by both Bank of America and XXXX to file this report for further steps.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (FL)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2023-10-06
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. (PR)

Try to dispute 3 accounts thats have been settlement and the company have not interest in these accounts. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts still affecting my credit report and credit score. Im a XXXX veteran that wants to by his first home and this accounts are restricted me from doing it. I have try to get them remove from Expirian, XXXX and XXXX XXXX with no results. I did send them letters wrote down and they didnt do anything.
Consumer complaint received 2024-06-21
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

I have a XXXX XXXX XXXX XXXX through Wells Fargo. Recently i Worked with XXXX, this is the case number XXXX. The person who owns the checking account of the unauthorized charges affiliated to this case is stating XXXX never received the check that Wells Fargo had sent. The balance went back on to my balance so to protect myself i would like to get confirmation in writing that XXXX received a check from Wells Fargo.
Consumer complaint received 2024-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OH)

After finally just getting my account reopened through the intervening of the CFPB after Venmo accused me of submitting a fake ID as a verification document which is a crime by the way and an abhorrent accusation to make against a customer Venmos XXXX  team finally reopened my account. NOW I can not add any cards. I have tried to add every card I own. 
So I dont want to hear try another card or maybe its just that bank or maybe its that type of card or try a debit instead of a credit or try a debit instead of a credit or wait a few weeks and try again. Ive waited months. Its not fixing itself. 
You owe me big time for the absolute emotional turmoil this has caused me chasing you to get your XXXX  XXXX services to work for me. Its appalling how horrible you are. And PayPal was just as disgusting with my mother many years ago. No wonder youre associated. I wish so many people didnt use you then I wouldnt have to waste my time. 

Ive tried to add : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove whatever block is on my account that wont let me add my cards. Remove the card that is on there that is expired that it will not let me remove. Again, you have made this absolute XXXX. Please stop making my life so XXXX difficult. I genuinely hate Venmo with every fiber of my being.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

My account with DISCOVERBANK was never late! I have had exceptional payment history with DISCOVERBANK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

DISCOVERBANK Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

My account with DISCOVERBANK was never late! I have had exceptional payment history with DISCOVERBANK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


DISCOVERBANK Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NM)

Filed for bankruptcy on XX/XX/2011. Item XXXX was my student loan. Held at the time by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX.Did not hear from anyone for over a year, then I am contacted, told I am over XXXX months behind on my loan, and a loan I took out for XXXX was now over {$40000.00}. I have been XXXX by these folks ( Now AES ), as they promised to come after me for my paychecks, messed with me regarding repayment restructuring, " sold ' my loan to AES, but it was the same company. But when they " sold '' my loan, they " misplaced ' my payment that month, ole company said they did not receive, they were lying, new company said they never received, so I was now behind, again, and owed more late fees, and can never catch up to get this loan paid down. 
They NEVER responded to the bankruptcy. 
They could have contacted my lawyer, or me, at anytime. They were sent all the information my other creditors got. They never responded. That year of not paying has put the loan out of reach of ever paying it off, despite paying over {$400.00} every month. 
Company is as crooked as XXXX. 
Also, no matter what the program is, I do not qualify for it for reasons I do not understand. XXXX pauses the loans for everyone? I do not qualify. Loan forgiveness for paying more then XXXX years? I do not qualify. It's just complete XXXX.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (IL)

MILESTONE/CONCORA CREDIT REPORTED THE HISTORY OF TRANSACTION AND EXPERIENCES BETWEEN ME THE CONSUMER AND MILESTONE/CONCORA CREDIT TO XXXX, XXXX, AND XXXX WHICH IS ILLEGAL TO REPORT 15 US CODE 1681a ( D ) ( 2 ) ( A ) ( i )
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

Identity theft see attachment. Discover card  with a XXXX balance, XXXX XXXX XXXX XXXX XXXX a XXXX balance and XXXX  XXXX XXXX with a balance of XXXX is on my credit report and not responsible for any of these charges.I have already submitted my police report and it attached.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC (TN)

Received a text message " This text is from Shepherd Outsourcing, a debt collector regarding your XXXX XXXX XXXX XXXX ( XXXX ) account. Visit XXXX XXXXXXXX & XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' I have no XXXX XXXX  account
Consumer complaint received 2024-06-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Sulphur Bank Rancheria Enterprises (LA)

I reached out to the loan company when i spoke with the first person i explained everything about how they where still drating my account for the loan his excact words was XXXX im so sorry they have been drafting my accout for a year on a XXXX dollar loan which should have been paid off the first 2 months cause the notes where XXXX a month. the guy trasnferred me to some one else when he got on the phone he told me it was my fault cause i didnt remind them of that after arguing with him about im telling him let me speak with some in higher in the department he puts his so say supervison on the phone an they denied me to speak with any one higher they claimed they where the highest an theirs nothing that can be done. they continued to deny me to speak with any one i hung up an called the the city XXXX  because that where the loan comany which is also a credit union based at. they said to make a complaint with my local city department which is XXXX XXXX, XXXX  they transfered me to someone in XXXX XXXX but instead i got the voice mail. i left a message with my contact i didnt here anything back intill about a month ago i receieved a letter from baton rought with a letter stating that in this mail is a complaint form fill it out an mail back asap to see if the where gon na continue to prusue it.also the was a a paper asking me what i wan na do this happening what type of action to persue i simply said i jus ant my money back that they darfted for almost year out of my account i mailed it off the next day now its been over a month an yet have i herd back from any one. right now times is hard so i can use the money that they owe me
Consumer complaint received 2024-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (TN)

My RV Loan was taken over from the Bank of the West to BMO. During the conversion every time XX/XX/XXXX I tried to make payments I had extreme difficulties making payments by phone, their pay by phone was down not working properly or online the automated system said it could not find my loan. XX/XX/XXXX I called BMO after much run around I made payments online received a receipt, but after a few weeks. I would get a letter by mail saying BMO did not receive my payments or BMO repeatedly reversed my payments XX/XX/XXXX. I got a letter saying my loan number could not be found in their BMO system. BMO collections started calling me all crazy times day, night & the weekend saying I didn't make a payment or they reversed my payment back to my bank. XX/XX/XXXX BMO took, repossessed my RV off private property trespassing and Damaging my RV and yard in the process.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology (FL)

On XX/XX/XXXX, I was charged with XXXX XXXX XXXX The charge was then reduced to tampering  with evidence. On the report on XX/XX/XXXX, it was reported as a XXXX XXXX XXXX On my report I would like my charge to say tampering with evidence. False information was published through to a job I applied to. I was adjudicated guilty for tampering with evidence.
Consumer complaint received 2024-06-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXXXXXX XXXX XXXX  and shows a balance. I attempt to use This on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

I also tried adding this card to my XXXX wallet and use in-person with XXXX different merchants. None worked. 

Many people have reported having this problem starting this past year.