davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (IA)

By XXXX First Progress Credit Card say that they don`t receive my last two payments for my credit card which I did thru my bank account. I`ve been call to customer service since then and they just ask me to send them a proof of the payments. I send them the documents that my bank brings me as a proof that I paid on time and for some reason they say they never have received my letters. I send them one letter with all the paperwork that they ask me for on XXXX and two times on XXXX and they still told me couple of days ago when I call them again, that they have nothing from me. I ask to talk with a supervisor, and he just repeat me what the other agent say. By the way, he told me that the rest of the money that he going to send me when I send them paperwork ( which, as I told you, I already send it ) as my balance deposit is gon na be an amount of money assuming that I never send the payment and that`s why Im trying to get help as summiting this complaint. My entire deposit was XXXX and they told me that when I closed the account they gon na send me the money back if I have no balance but I dont have any balance and they closed my account telling me that I never pay when I aklready did it and on time. I have all proof of that. I`ll gon na send you the proof once I seat on my computer
Consumer complaint received 2023-08-17
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. (WA)

On XX/XX/2023 and XX/XX/2023, I submitted multiple letters to XXXX, Equifax, and XXXX with my concerns about things being reported on my consumer report ( XX/XX/2023 letters attached ). There are numerous inaccuracies with the accounts in question. They are not in compliance with the XXXX XXXX Standard of filing. As of now the CRA 's have not updated the status of any account nor have they notified me of an investigation and if there is one conducted they have not informed of the results.
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Hi on XXXX  I received a voicemail from a XXXX stating I owe money on a debt and they will sue me so I called the number provided which is midland collection XXXX. With reference number XXXX and the person told me they where getting a judgement against me in XXXX XXXX because I never responded to there letter they sent me in XXXX which I never received and I asked what was this about they said a XXXX XXXX credit card that went into default in XXXX. I told them I never had a XXXX XXXX credit card back then and I told them also its been 9 yrs ago so even if I did they cant sue me because of statue of limitations in XXXX so he got nasty and said I was ignorant and hung up on me then my son called me and said they called his phone and left a message looking for me on his phone
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

this will be the 3rd attempt to get my application retracted. bank of america continues to ignore my request to retract my application. i have left several messages and have received no response. they have discriminated against me and withheld my access to my securities.
Consumer complaint received 2024-07-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

XX/XX/XXXX, bill was not paid it says. Amount due as of XX/XX/XXXX XXXX dollars. Company name XXXXXXXX XXXX XXXXXXXX. They sent a bill to collections in my name.
Consumer complaint received 2024-02-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Round Limited Partnership, Austin, TX Branch (FL)

I'm not sure where to start here, this is the third time I've filed a complaint against these companies that have been violating my rights as a consumer for years. 
They take advantage of people like me, XXXX who don't have the money to pay for a lawyer. 
Firstly, I never had a debt with Second Round Sub LLC, my debt was with XXXXXXXX XXXX I have requested evidence by telephone and by letter from Second Round Sub LLC and its supposed lawyer XXXX XXXX and I have never received a response from them. 
In my last call today XX/XX/XXXX at XXXX I once again asked attorneys XXXX XXXX if they represented XXXXXXXX XXXX and they said yes ( you can see the call that they supposedly record for quality purposes ). Furthermore, I was threatened by the lady who answered the phone saying that I should not worry about paying the debt that they had already taken to court and that my account was seized, that I would soon find out what they were capable of. A threat that I don't believe is under the law. The treatment of these people has always been threatening, unethical and discriminatory. 
I called XXXXXXXX XXXX  and they tell me that this debt has been closed with them since XXXX ( XXXX years ago ) and that they have no relationship with XXXX XXXX or Second Round LLC. 
Second, my original debt to XXXXXXXX XXXX was less than {$2000.00}. XXXX XXXX and Second Round LLC are trying to collect more than {$6000.00}. Based on what and with what right do they do this? I asked about the possibility of reaching a payment agreement based on what I can pay and they told me that the only option was to pay the more than {$6000.00}. I can not do it because I do not have the money for it and I do not owe that money to have to pay it.. 
Currently my account is seized, my rent money was taken from it. I had to borrow money to pay my rent and now I find that my account is completely seized and I can't make any payments from it. I am the head of the family, my children ( XXXX and XXXX XXXX XXXX ) and my wife will be left on the road and we do not even have money to eat because all the money that I have that was a loan from a relative is frozen. 
I have sent letters asking for exemptions due to my financial situation as I am the head of the family and that I earn less than {$600.00} a month with proof of my current situation and I have not received a response. 
We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and these people are trying to collect something that I do not owe and can not pay. What do you expect? Take my life? I have no options, I can't go under a bridge with my children.
Consumer complaint received 2024-02-17
Product: Credit card — Store credit 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 (CA)

XXXX had fraud on my account called Kohls/Capital one reported it, last time was used was XX/XX/year>, received a letter stating takes 60 days to process doenst take that long someone pick up product wasnt me and no sure how they picked it up, called a number of times today XXXX at XXXX XXXX  and same response! In California so no one knows the laws but me. Fraud chard was {$260.00} and getting charged interest.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

Dear XXXX XXXX XXXX, I am writing to express my extreme dissatisfaction with the recent events concerning my credit card account with your company. Despite previous assurances that a {$190.00} interest charge would be removed from my account since I paid the balance to zero, I am dismayed to find that the charge still remains. I remind you that charging interest on a {$0.00} balance is illegal and unacceptable. 

Furthermore, I am deeply concerned about unauthorized charges that have appeared on my account. Despite freezing my card and canceling subscriptions with XXXX XXXX, you company " authorized '' a {$50.00} charge that I did not authorize have to go through. In addition, your card company also " authorized '' a {$15.00} charge from XXXX XXXX that I did not authorize. It is evident that your company is allowing charges without proper authorization, while my card is frozen, which is both unethical and potentially illegal. 

I want to emphasize that you have never had my permission to authorize XXXX XXXX  and XXXX XXXX or any other charges on my behalf. My card is frozen and I am considering closing my account as a reseult of your illegal predatory practices. These unauthorized charges not only violate my trust but also cause significant harm, compounded by your high interest rates and fees. 

Please be informed that I am currently in the process of acquiring legal representation to pursue a lawsuit against your company for these unauthorized charges, as well as the failure to remove the interest charge as promised. I am prepared to take all necessary legal action to rectify these issues and ensure that my rights as a consumer are protected. 

I demand immediate action to rectify the situation, including the removal of ALL charges currently on my card, including the {$190.00} interest charge, the reversal of all unauthorized charges, and an explanation for the negligence in allowing unauthorized transactions to occur. Additionally, I expect compensation for the inconvenience and financial harm caused by these actions. The balance on my card should be {$0.00}. I have not used my card since paying it off last week AND I froze the card so it could not be used, and yet you still are charging me fees, etc. 

I urge you to take this matter seriously and address it promptly to avoid further escalation. Failure to do so will result in legal action being taken against your company. 

I expect a response within 24 hours confirming the resolution of these issues. Failure to respond or adequately address my concerns will leave me with no choice but to proceed with legal action. 

Sincerely,
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2024-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (GA)

This company is damaging my credit in an abusive way, I have called those people to tell them to show me that it is mine and they have no way to prove it, I have never used their services or anything like that, I ask for help to remove this from my credit report please, this is a cause of fraud and identity theft
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-29
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: CAINE & WEINER COMPANY, INC. (IN)

XXXX is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is reporting Caine & Weiner, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX is reporting XXXX XXXX XXXX XXXX on my report. 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I want reinvestigate these accounts : XXXXXXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the Balances, and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-01-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, Please help resolve. 
I received a pre-paid AMEX card as a gift for {$400.00} in XX/XX/XXXX, then activated and verified money was indeed on this card. 
I used the card without issue, then began experiencing issues on XX/XX/XXXX when it was rejected when trying to use it on-line or in a store, as a credit card or debit card. 

I have contacted the AMEX on the card XXXX for resolution, yet my card continues to be unable to access available funds for {$210.00}. 

Below is my timeline and current screen shot of the available balance. 
Thank you. 
- XX/XX/XXXX : Called to indicate my card had pending transactions I did not make and advised to wait so AMEX can resolve. 
- XX/XX/XXXX for status since card still getting declined. No resolution. 
- XX/XX/XXXX for status since card still getting declined. No resolution. Advised to wait. 
- XX/XX/XXXX. or status since card still getting declined. No resolution. Advised to wait. At this last interaction, XXXX cents was stated as pending and I needed to wait until this cleared before I can access my remaining $ XXXX available balance.
Consumer complaint received 2024-01-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC (CA)

I got a VA home loan in XX/XX/year>. Shortly thereafter I suffered a loss of income ( self employed ) do to Covid. I reached out my mortgage lender United Wholesale Mortgage and they told me about a Covid program that I qualified for and that I could forego up to one year of payments and then at the end of that period they could just attach the missing payments to the back of the loan and I could resume my original payment. At first i only opted to do it for 6 months, thinking that business would pick up. At the end of the 6 months I contacted them and extended for another 6 months and confirmed that they would just add the payments to the end of my loan. 
When my extension was about to end I called them to start making payments again and they told me that the option that I took to add my payments to the end of the loan was not available to me. They didn't give me a reason, the only thing that they told me was the only options I had were a loan modification or foreclosure. I applied for a loan modification in hopes of saving my home, only to get denied. The reason for denial is " insufficient income ''. I was at a loss because by the definition of '' loan modification '' your loan can be modified to make your mortgage payments affordable based on you new income amount. I sent them a letter and told them if the reduce my interest from XXXX to 2 % and extend my 30 year mortgage to 40 years-it would lower my monthly payment and because of the 40 year loan they would be getting more in interest. That didn't work either! 
Where I stand now is they want me to pay {$59000.00} in one lump sum or be foreclosed on. 
I need your assistance in keeping my home.
Consumer complaint received 2024-02-13
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/year>, XXXX XXXX charged {$1100.00} to my Barclays XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX for two flight tickets to XXXX. XXXX was the booking number. The flights were on XX/XX/year>. On XX/XX/year>, XXXX XXXX cancelled the flights. I contacted XXXX to request a refund on both tickets. I heard nothing from them and after many attempts was unable to get through to anyone despite holding for hours. I then contacted Barclays, because XXXX said that Barclays was servicing the credit cards. Barclays initially credited the refunds to the credit card account but then reversed the credit. At first, Barclays said that we cancelled our flights. I sent copies of the email cancellations and then a letter confirming that XXXX cancelled the flights. Then Barclays said that it would not credit the account because XXXX was not paying the refund to Barclays. I sent Barclays a letter from XXXX stating that XXXX had refunded the money to the creditcard holder which sure wasn't us. Then Barclays told me that they would not refund the one ticket. It was always two tickets to be refunded. I sent multiple letters detailing the transactions and cited 15 USC Chapter 41, Subchapter I, Part D : Credit Billing which covers services not delivered. Barclays refuses to refund the tickets and is apparently holding the refunds from XXXX.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

The credit limit was lowered with no notice to myself. I found out when the auto pay was declined at one of my childrens activities. I called and spoke with them about this situation and was told another letter would be sent. I have been a customer for over 30 years and when I asked to speak to a supervisor I was told that there are none they dont speak with customers they just supervise. The biggest issue is they lowered my credit line to where no Im utilizing 97 % of my credit whereas before it was only about 15 % utilization. Can some pleas assist.
Consumer complaint received 2024-01-29
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: SYNCHRONY FINANCIAL (PA)

two hard inquiry was on my account after I ask to get them removed. called to get the hard inquire off my account, talked to an fraud investigator who said they would take the inquire off. but they only took one off when checking my report I still see that the inquire is still there.