davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (PA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IL)

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2024-06-13
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: AES/PHEAA (CA)

I was misled by XXXX XXXX into taking on this debt and I would like a XXXX XXXX XXXX. When I reached out to AES today, XX/XX/XXXX, they said that they have not heard of this before. This is a predatory private loan wit han obsene interest rate that my brother is co-signer that I got into in XXXX when I was XXXX XXXX XXXX and was misled by recruitment persons who had high pressure and lied to me about my placement at this school.
Consumer complaint received 2024-06-19
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (TX)

The first day receiving a call from pro collect the phone operator was so rude that as soon as I questioned the debt, she began to raise her voice and said you need to pay your bills and hung up in my face. Since then every time pro collect calls me is short and aggressive called and if I say or ask anything theyll hang up in my face leave a rude remark insinuating that I dont pay my bills at all.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (SC)

Yes for the pass few must I have did a dispute for National Credit and for XXXX XXXX XXXX XXXX XXXX XXXX I have been doing to do the dispute to let them know that the landlord of XXXX XXXX XXXX XXXX XXXX  and I went to court and that it was settled to owing nothing and no evidence on my credit. The landlord still put it on my credit and I am unable to get a place to stay because the National Credit and the Apartment complex keep denying it I have been trying to apply for apartments and can't get it because of that.
Consumer complaint received 2023-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (AL)

On XX/XX/XXXX my account was in default due to being 107 days past due. To my understanding from speaking verbally with a representative, I was advised that I could pay {$770.00} to get the vehicle out of default. Although I was not current I was advised that my account would be put on hold and that a 2 month extension would be applied and to make my next payment as soon as I can. I told the representative I wont be able to make full payments but I can make partial payments which she said was fine. Four days later, I received another default letter dated XX/XX/XXXX. 

As instructed I continue to make the partial payments in XXXX on XX/XX/XXXX {$230.00}, XX/XX/XXXX {$200.00} and XX/XX/XXXX {$300.00} totaling {$730.00}. On XX/XX/XXXX, my vehicle was repossessed. 

I have been trying to dispute and escalate this matter and no one has contacted me or followed up with me to this date. I have called and called because this repossession is in error. The way the payments has been allocated in error has caused this wrongful repossession to occur. I recently gained employment when this occurred and have almost lost my job as a United States XXXX XXXX. Ive lost income and my daughters first year in college has been stressful she is XXXX hours away and I have not had any means of transportation to be there emotionally, physically and financially since this has happened.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC (OH)

A relative sent me money via Zelle from a XXXX branch in Florida to a XXXX branch in Ohio. My Zelle account was linked to my phone, and I received an XXXX confirming the transfer. However, after over 4 hours of phone support, including calls to Zelle, corporate XXXX phone support and an in-person branch visit, no one could tell me which checking account is linked to this Zelle profile XXXX They refused, citing either lack of information or privacy concerns. I deleted and reattached the connection to my actual account through the SMS link, but the branch confirmed that none of my accounts received the money. XXXX says Zelle has the information ; Zelle says XXXX has it. This is not my first negative experience with XXXX being uncooperative and obstructive. In my last encounter, they cancelled an overseas wire transfer, but failed to tell me about it. They kept the money " on hold '' and I did not find out about it until the intended recipient complained. I AM CLOSING ALL CONTACT WITH XXXX XXXX. THEY ARE A MENACE. This bank is too big for oversight and act as if they are not accountable to anyone.
Consumer complaint received 2024-06-18
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 (ID)

I contacted Amex on XX/XX/XXXX to open a dispute about a purchase I made on XX/XX/XXXX of XXXX. I purchased a bluetooth joystick that was marketed as being compatible with XXXX devices ( XXXX devices ) and that was specifically marketed as being compatible with XXXX XXXX which was the version of XXXX I was running. 

After multiple hours of troubleshooting the device via the sellers XXXX I could never get it to work. I was asked to block a bunch of domain servers/ip addresses coming from XXXX. I was also asked to disable tons of system services including find my XXXX, location services, and so-on. I was also asked to disable wifi, cellular, and uninstall a bunch of applications. All of this was XXXX absurd, but I went along with it and still couldn't get the device to work. 

Amex refuses to do anything about it stating I need to jump through more hoops with the seller. Are you XXXX kidding me? Really? This is absolutely bonkers. All of this to get a bluetooth joystick ( a controller! ) to work. None of this was mentioned on the website. It was suppose to just connect and work. 

Ref. XXXX My name is XXXX XXXX XXXX My Phone number is XXXX. The above is my reference number for a dispute Amex closed and refused to reopen or do anything about.
Consumer complaint received 2024-06-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

On approx XX/XX/year> Lakeview Loan Servicing LLC, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX filed a fraudulent foreclosure case against the consumer. After requesting validation of any alleged debts, they failed to provide any proof that there was ever a contract to do business let alone proof of any debt owed. They are guilty of fraudulently filing the foreclosure via hearsy, slander, libel and harassment of the consumer. They are also guilty of identity theft and filing fraudulent records in the county courts as well as the local law bulletins further tainting the consumers name and ruining her reputation and credit worthiness. They stole the consumers idenity as well as the consumers family members including the children 's identities for unjust enrichment. Consumer never heard of these companies until the fraudulent foreclosure case was filed. They also used skip tracing technology to infiltrate the consumer 's life without consent.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (GA)

In XXXX  I was arrested by and sent to XXXX. My belongings was mailed by BOP Administrators to my home address which I did NOT ever receive my belonging. Which include my wallet with my State ID, social security number, and my credit cards, car key and house key and cellphone. My information was being theft and my credit cards was being used by the thief, I also did NOT give my consent or written agreement or verbal agreement to any third parties interfering with this diet
Consumer complaint received 2023-05-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation (FL)

I did a voluntary repossession due to child support obligations and the car was returned. The state suspended the registration on the vehicle due to alledged outstanding child support obligations. I do not owe this amount and the vehicle in question has since been resold to another consumer.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (AL)

XX/XX/XXXX, I RECEIVED A LETTER FROM DIVERSIFIED CONSULTANTS IN REGARDS TO A RECENT DIPUTE I HAD MADE. THE LETTER STATED DIVERSIFIED CONSULTANTS REVIEWED MY DISPUTE AND THEY CEASED COLLECTION OF THE ACCOUNT AND TO BE ADVISED THE CREDIT BUREAS IN WHICH THEY CONDUCT BUSINESS WITH WAS NOTIFIED WITH THEIR REQUEST TO DELETE THEIR LISTING OF THE ABOVE-REFERENCED ACCOUNT. AS OF XX/XX/XXXX DIVERSIFIED CONSULTANTS IS STILL SHOWING ON MY CREDIT REPORT AND HAS NOT BEEN DELETED AS THE LETTER STATED IT WOULD. I'VE SENT MULTIPLE COMPLAINTS AND DISPUTES INCLUDING A COPY OF THE LETTER TO THE CREDIT BUREAU IN WHICH THE LISTING IS STILL SHOWING AND WAS INFORMED DIVERSIFIED CONSULTANTS DID NOT CEASE COLLECTION OF THE ACCOUNT.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IL)

I have a credit balance of {$20000.00} on my Apple Credit Card account that was closed. Goldman Sachs is the bank. I disputed XXXX transactions against a con artist general contractor. The disputes were found in my favor and XXXX credits totaling over {$20000.00} was credited back to me. During this time my account was closed and I can no longer use that credit balance. I have asked for this refund via a check or ACH transfer since XX/XX/year>. I have been given several excuses and guarantees that the money will be sent to me. They have called XXXX saying they are still working on it and their system is not allowing them to process the refund yet.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

I informed the bank of someone trying to access my information with other institutions I bank with and that I wanted to add an extra layer of protection such as a security word to my account, not long after they locked my account stating someone had called in on my behalf stating that I had a XXXX and that they would be in charge of all my finances from here on our. BMO has since locked me out of my own account for not the first but this is the 2nd time with no time frame as to when the review process would be completed
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I received garnishment paperwork at my job. I called them, and they told me this was for a XXXX XXXX credit card from XXXX, the last payment was in XXXX, and they said they sent judgment papers to an old address in XXXX, but I was never notified, and I never received the paperwork. They said my nephew signed for it, but he was XXXX. I haven't heard anything from them until Monday, XX/XX/XXXX, when I received the garnishment papers. I called them and told them that the statute of limitations was up on the debt, and that's when they told me about the judgment they sent in XXXX, and that allowed them 10 years to collect on the debt. I explained that I never received the paperwork, and I had no idea about any of this until the garnishment papers. They would not work out any kind of payment plan, and they were very rude. The debt is {$970.00}, however, I never got anything showing they owned the debt, but they told me since I did not respond to the judgment sent out in XXXX, that I accepted the charges. This is insane to me, because how can I respond, if I never get the paperwork? Is there anything I can do about this?
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have recently reviewed a copy of my credit report and I was shocked to have learned that I have been a victim of identity theft. I have recovered several accounts that were opened by me. I need this to be rectified immediately, this is affecting my financial creditability, I'm unbale to promote at my job and I'm constantly being denied credit! I'm XXXX  and at my lowest .... I don't know how much more I can take! Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-06-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (LA)

Ive disputed and reached out to this company for violating my consumer rights. As well as illegally reporting this negative item to all 3 bureaus, not validating alleged debt with ORIGINAL creditor, and trying to collect on a time barred collection. 
They are also not licensed to collect any debt in my state. 

XXXX XXXX XXXX violating my rights based on these laws : FCRA 605B ( 15 U.S.C. 1681c-2 ) I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. 


Ive also sent in an invoice to have momentary damages paid out.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I am attempting a transfer money from my Marcus Goldman Sachs account to  my XXXX account ( processed through XXXX ). This transfer drained my account as I was intending to close my MGS account. After initiating the transfer this morning I received a phone call from someone at MGS saying that they could only process a portion of my transfer because the final {$2000.00} had a " security hold '' on it. The CSR stated that because I had deposited that money in the account in XXXX ( 3 months ago! ) there is a " security hold ''.

I asked why there was a security hold and was told that this is simply their policy. I asked for how long the security hold was and the CSR told me that he could not give me a definitive answer, just that it would be between 3 and 6 months. 

I asked for solutions instead of problems he said that the only way for me to get my money was to transfer it back to the originating bank. Unfortunately that bank ( XXXX XXXX XXXX ) no longer exists. 

Please help me get my money transferred to XXXX.
Consumer complaint received 2024-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (FL)

I called to cancel my membership with XXXX XXXX several times. They keep telling me to come speak with a manager. I did do that, but the manager is never available. I have one in XXXXXXXX XXXX where Ive tried to cancel numerous times. I live in XXXX  now. Then I opened a new one in XXXX that I need to cancel because I have gym equipment in my home now. I didnt go to them to sign up, I did it online. So they should cancel without me being present.
Consumer complaint received 2024-06-19
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I received an Amex eGift Card for my birthday. This the paper it came in when my dad bought it in person.

I clicked the link to validate and print the card, which loads https : //balance.amexgiftcard.com/ # /account and shows a balance. I successfully used this card at XXXX and target before I made big purchases online with it, mainly on XXXX and XXXX. 

And the transaction is declined. Multiple failed accounts when initially it will go through, until it says there is action required or anything else. 

I tried at multiple large online marketplaces such as, XXXX, XXXX XXXX, XXXX, XXXX, which all unfortunately resulted the same way. 

I reached out directly to AMEX, because clearly it is a problem on their end if I can purchase online via any other card, and on the transactions, it would show up as an issue even with sufficient money in the account. 

I can not use my card and I feel pressured to use it at XXXX, because it seems as though that is the only place that works, but thats not the type of card that was intentionally purchased for me. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern : Dear Sir/Madam I try not to visit your branches, because I was once XXXX  discriminated by a XXXX  female employee at one of your branches, which honestly I am not really surprised at because I see countless news articles about XXXX XXXX  at Chase branches , so I guess that's the Chase standard. So I try to do my banking via phone only. 

On the XXXX day of XX/XX/2023, I made three calls to your claims department.

Call 1 : I called regarding canceling one of the disputes, spoke with one male operator from the claims department, not sure if the dispute has been cancelled yet. I asked the operator to transfer the call to the general customer service department because I had another question. The operator asked me to call back again and hung up on me.

Call 2 : I called your claims department to lodge a complaint against the previous male operator. This time a female operator named XXXX from the claims department picked up the call. I asked her to transfer the call to a supervisor/manager. A male person came to the call, I first asked him to confirm if he is a manager or a supervisor, to which he clearly replied if I don't give my account number to him he will hang up the call on my face. I have zero tolerance for this kind of attitude, so I responded to him " appropriately '' after which he ofcourse hung up on me. 

3rd call : I called your claims department again to find out the names of these two people I spoke with earlier, but this time the female operator could not give me the names.

Why should I bank with Chase?
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Century Finance, Inc. (NC)

Company " Century Finance Co '' - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - initiated contact with me about a year and a half ago looking to reach a person named XXXX. I am not XXXX, nor do I know a XXXX. I have no business relationship with XXXX or Century Finance and they have called me every couple of months over the past XXXX  months, for a total of XXXX calls, every time looking for XXXX. On every call, I have told them to remove my number from the account, and not call me again, but they continue to call.