davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Incomm Holdings Inc. (FL)

Received XXXX {$100.00} gift cards for XXXX issued by Vanilla. Although they came in original packet, two had several numbers removed but none were valid at attempted purchase. Company has yet to make good even though they asked for 90 days to investigate.
Consumer complaint received 2024-05-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bridgecrest Acceptance Corporation (GA)

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and v. It is my understanding that you will conduct a verification process with the creditor responsible for posting this information. I kindly ask you to delete any data that the creditor fails to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.
Consumer complaint received 2024-05-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

Amsher Collection Services INC. has submitted negative information in my name without my written consent. This is considered identity theft and fraud ( 15 USC 1681B ( 2 ) I have never contracted with Amsher Collection Services INC. I sent them a letter dated XX/XX/year> asking them to prove i have contracted with them and I owe them a debt. To this day I have not received a response.
Consumer complaint received 2024-05-24
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BROKER SOLUTIONS, INC. (GA)

I've called the XXXX XXXX department several times. A couple of times I called because my amount due was showing double what I thought I should owe ... .I called and was advised the website was wrong and that my XXXX payment was all paid up. I found out today after calling again that is not correct. I've had a HUGE number of expenses - literally {$1000.00} or more each expensive happen in the last several months. I don't see this being an issue long term- but I also can't fathom any way I can catch this up. I'm scared, I'm stressed, I really just want to start afresh in XXXX with my regular XXXX payment so I can get back on my feet. I'm completely fine with them adding the missing payments on to the end of my loan. I'm just desperate to get out of the hole I'm in. I'm always diligent about paying on time - as tight as my budget is. But after all the huge unexpected events lately - I just can't even begin digging out of the hole I'm in. I'm currently in a bankruptcy, but my lawyer said there's nothing they can do that would assist me on their end. I desperately hope you can help.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I closed my deceased mother 's estate account at Chase Bank, for which I am the executor, by phone on XX/XX/XXXX, and asked a check to be mailed to me. I never received the check, and started calling to have a new one sent at the end of XXXX, on the date Chase said I could officially request a new check. They never told me I needed to file a form to stop the check, and only found out a few weeks later after multiple phone calls. I filed a lost check form by email on XX/XX/XXXX and can not confirm that it was ever received. Chase customer service has been denying me status updates on where my check is for 2 months now. I can not access any details of my account with any level of customer service and have filed multiple complaints, the last being on XX/XX/XXXX, and I was promised a call back this week, which I did not receive. Customer service claims they have no access to that level of account detail, but can not connect me with anyone who does, and can not give me any status updates. I literally have no information, despite how many hours I have spent trying. Many times after being passed to multiple representatives and on hold for a long time, the call will get simply cut off. By the time I get to the top representative that I'm told can help me, it's always the same answer : they can only send a message to the " back Office '' and I must wait for a response. There has not been a response in " the system '' yet. No amount of escalations, case numbers or complaints will get me any answers to where my money is. I'm filing this complaint because Chase Bank has failed to send me the money from my own account for since XX/XX/XXXX, and their customer service is unacceptable and worrying. No one who lost a parent and is trying to close their estate account should have to go through this.
Consumer complaint received 2024-05-25
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Ray Klein, Inc. (CA)

I have reached out to this hospital in regards to an amount that was waived due to them giving me false information that my medical at the time with XXXX XXXX XXXX was accepted and considered in network. I sent multiple papers to to XXXX XXXX in XXXX from XXXX XXXX XXXX that waived over {$770.00} from the total {$1500.00} amount. XXXXXXXX XXXX  for some reason does not understand the fees waived and keeps sending me invoices. I do not owe a total of {$1500.00}. Hope to hear from you guys soon, thank you for the help. I have attached a picture as well stating form XXXX  I do not owe {$770.00}
Consumer complaint received 2024-05-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/XXXX And XX/XX/XXXX also XX/XX/XXXX on all three of these days the company refused to comply with the guidelines associated with insurance through comenity bank and the XXXX XXXX which was purchased several months before the account became late. Then on XX/XX/XXXX customer service refused to transfer the call regarding changing the statements from electronic to paper, refused to send a paper Statement. On XX/XX/XXXX the company refused to modify the issuance of statements from electronic to paper then after " fully verifying '' the man on the phone said " ALL OF YOUR PHONES HAVE BEEN BLOCKED. '' This was at the end of the call and the man was unusually reluctant to allow paper statements for the account.
Consumer complaint received 2024-05-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I put a down payment on a XXXX XXXX XXXX on XX/XX/year>. Made another payment in XXXX, then shortly after on XX/XX/XXXX I got into an accident and the car was impounded. The tow company would not let me retrieve the vehicle because of the temporary registration. I spoke with a representative from credit acceptance and informed them that I didn't have the car. I sent them a copy and fax of my ticket with police report info.
Consumer complaint received 2024-05-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (PA)

I pulled my credit report, and I am aware that if anything on my credit history is inaccurate, I have the right as a consumer to dispute anything that is being reported inaccurately. The debt collector name ADS/Comenity/Victoria has written off this account and I have not received a 1099c Form. As stated in act 15 USC 1681 ( e ) B any account that is reported as written off or charged off, any debit is forgiven, the consumer should receive a 1099c form to report to the IRS as taxable income. I did not receive the 1099c form which make this inaccurate information and must be removed from my credit history.
Consumer complaint received 2024-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

My last 3 monthly payments Ive made went 100 % towards interest only. Also, In XXXX I reached out to Nelnet about the tax form they sent me stating I paid {$0.00} in interest payments in year 2023. However, this was not true as my payment statements and online portal showed I made over {$400.00} in interest payments. They reported that I paid {$0.00} to IRS. I was on phone with representative for over 5 hours and he did not help me. Not only that, but I asked multiple times for documentation reflecting what ive paid towards my principle balance and interest. I have paid over {$3000.00} towards what my {$18000.00} original balance was and they took nearly half of those payments to interest only even though the interest rate is a little over 4 %. They refuse to reflect accurate information on my billing statements and are providing false information to IRS which doesn't allow me to report any interest paid which is hurting my tax burden and shows they are being untruthful to IRS which is illegal. I have sent emails, letters, and calls with no success of being helped or issues being fixed.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citi bank for 2 years reported incorrect a XXXX balance and after two years XXXX  passed they are now reporting a error amount of {$7100.00} for a {$6000.00}. Credit limit card and cancelled the incorrect of {$7100.00} and issued a 1099-C without my consent. Secondly they refused to provide my billing statement. To verify the the amount on the account.

I dont want the amount to be canceled. I just want to pay the correct amount that I owed. 

The 7 year report ebds in XX/XX/2005 but I can not wait. I need to pay the correct amount.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

Upon reviewing my credit report I noticed a fraudulent account. I contacted Macy 's to confirm this account is fraudulent. I spoke to a representative who investigated the account and deemed the account FRAUD. I received a document via mail that noted that this account would be blocked and removed as fraud. This account still reflects on my credit report today.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

my Chase Paymentech Merchant Account transferred credit card and debit cards deposits to a different account number not associated with my business. On XX/XX/2023 thru XX/XX/2023. Chase Paymentech transferred {$260000.00} of my business deposits to a different account without my knowledge. I have unable to get Chase to redeposit the total amount of card card and debit card owed.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/year> @ XXXX my son attempted to send {$20.00} to his cousins XXXX XXXX XXXX When he saw that the name changed during the transaction To a different XXXX XXXX XXXX because that has never happened before during a transaction transfer. 

He immediately tried to cancel but cashapp sent an email claiming {$200.00} failed for your protection. 
My son confused because how did the entire amount in his account went to a completely unknown XXXX XXXX XXXX XXXX 
Since this person is unknown and isnt a family member. 
Since he received an email claiming the money was sent back into his cashapp account, he checked his cashapp account but there was no money. 

Upon checking the money was completed within a minute! @ XXXX on XX/XX/year> How is this? If no one sent money to this XXXX person? 


We call cashapp customer support and were explaining what happened. 
Customer support claimed they could help but need more information. 
We were advised to request a refund from XXXX XXXX XXXX while on the phone with customer support This stranger ends up declining the refund request @ XXXX XX/XX/year>. 
Cashapp claims they cant help! Since it was up to the stranger to send the money back.?! 
I get upset and cashapp support hangs up. 


I decided to send visual proof of screenshots of emails, account details of history on transactions. 
Cashapp ends up claiming that : : : This payment is not registered in your sons account So we sent proof of email from cashapp to my son claiming {$200.00} was refunded back into your cashapp account for your safety. 


Then cashapp claimed Oh, that happened but it didnt happened within the same hour. 
Huh? Why are they even mentioning that? 

I send them proof of times of XXXX failed attempt, XXXX money went missing into strangers account without a manual transfer. 
And I send them proof of decline of request for refund at XXXX by the stranger. 


So cashapp now says Well your son sent the money to the person a second time. @ XXXX and its on your sons transaction history. Your son sent money to the person when the person requested {$200.00} from your son I send proof of transaction history and there is nothing about a requested of {$200.00} from that stranger to my son! a second transaction sent within a minute? my son and I was already conacting cashapp through emails by then. 
My son isnt a tiny little toddler to be sending money to strangers. 

There is no absolute proof of a requested {$200.00} from this XXXX XXXX XXXX Cashapp wont acknowledge my sons transaction history showing that there was NO REQUEST OF {$200.00} FROM THIS INDIVIDUAL AND REQUEST WAS ACCEPTED FOR {$200.00} @ XXXX FROM MY SON!
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ARVEST BANK GROUP, INC. ()

Greetings sir/madam I contacted the Federal Reserve on my subject and they forwarded me to you. 

I'm reaching out to you to complain about Arvest Bank on cumbersome and lengthy care, which seems to have no end, regarding to international bank transaction via XXXX I've made them on XXXX of XXXX this year in order to receive a service from them. The issue started when the funds ( amount of {$5000.00} ) were delayed to arrive to the recipient. I want to emphasize that it wasn't a case of sending funds to incorrect/wrong rrecipient account details. 
After some time later of back and forth between my bank and Arvest on investigating the real status of my payment Arvest said to me on XXXX of XXXX that they haven't yet received my payment, but they were aware of some issues they had with some international transactions as communicate with their intermediary bank due to unstable exchange rate. 
And on XXXX of XXXX they said to me that finally my payment has been recalled back to me by their intermediary bank due to that technical issue. 
Unfortunately, I'm waiting for that reversal payment till now. 
I also tried to get assistance from my local bank to resolve it and according to communication with their intermediary bank it said that no funds are longer available for requesting back. 
I'm not a banker and I don't have a clear information tracking of that payment but as far as I understand 2 intermediary banks are involved of it so I guess my funds are still held on Arvest 's intermediary bank. 
On my recent correspondence with Arvest they said that sometimes there are some delays in processing reversal payments depending on the involved intermediary banks and countries and asked me to exercise more patience and I did it, hopefully to see any outcome, but unfortunately I don't see it at all and after more than 90 days that I'm waiting which is too much longer by all accounts my patience has also expired and I'm not able to get it resolved successfully with them and that's the main reason I contact you for helping me to resolve it urgently in order I can get my funds back. 
I also attached XXXX documentation produced by my bank on XXXX of XXXX regarding their inability to request my funds back, following the final answer they recieved from their intermediary bank. 

I would greatly appreciate your assistance on this matter. 

Thanks
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I keep getting calls everyday from portfolio recovery, I have no debt anymore or its old debt, nothing on my credit report, I have good credit, the numbers are either from local area code XXXX or from various areas out of state, or counties. No messages ever left and sooo many different numbers I keep blocking them or are automatically blocked through an app I have saying its a scam? This is very stressful and needs to stop
Consumer complaint received 2024-05-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (FL)

I got a letter in the mail today XX/XX/XXXX saying XXXX XXXX XXXX is sueing me for {$12000.00}. Me, myself and I have NEVER opened an account with them and I never took out a loan. Someone else used my name, an old address, and social security number to open this account and it worked! I never knew about this account until I started to receive letters in the mail stating I owe a balance and needed to make payments. That's when I gave comenity capital bank a call and filed a complaint. Apparently comenity bank is now XXXX XXXX XXXX. They told I had to file an affidavit on this website. I'm not sure where to go from here but I've been trying to dispute this claim ever since I found out about it in XX/XX/XXXX. They said I gave consent and signed paperwork. I never did that. I never received a call from any bank asking for my consent. I never showed up in person. The person that committed the fraud had an old copy of my ID, forge my signature and was able to get away with just that. I'm still not sure how this happened but I want answers and will do whatever I need to do to get this right. Please let me know what information you will need so I can remove this debt because it does not belong to me.
Consumer complaint received 2023-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (TX)

There are items on my consumer credit report that do not belong to me. I have sent the required document per federal law to have them removed including the FTC report, ID, proof of residency, and a letter including the accounts that must be removed. Experian has already received all of these documents. It has been more than 4 days. They still have not removed these accounts from my consumer credit report.
Consumer complaint received 2024-06-10
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: Experian Information Solutions Inc. (NV)

I was looking to purchase a house until I was notified about all the damaging things on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am writing to dispute certain information in my credit file that I believe is inaccurate. The items I am disputing are listed below, and I am requesting that they be investigated and corrected as necessary, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
* XXXX XXXXXXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * XXXX  XXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$200.00} * XXXX  XXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$1100.00} * XXXX XXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$130.00} * XXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$24.00} * XXXX XXXX XXXX Account ending in XXXX ( XXXX instance ) * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$9200.00} * XXXX XXXX XXXX Account ending in XXXX ( XXXX instance ) * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$11000.00} Under the FCRA, specifically 15 U.S.C. 1681l, any adverse information must be verified before being included in a consumer report. Additionally, under 15 U.S.C. 1692e of the FDCPA, false or misleading representations in connection with debt collection are prohibited. I believe these items are inaccurate and request a thorough investigation into each. If these items can not be verified or are found to be inaccurately reported, I request their immediate correction or removal from my credit report. 
Please update my credit record accordingly and send me a corrected copy of my credit report. If you require any further information or documentation from me, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX.