davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NJ)

Per the previous complaint I deny all accusations in the response. Amex had the nerve to submit verified to the credit bureau and state a payment was made from some account. I had an Amex card back in XXXX for corporate use ( not the account holder ) with a company called XXXX XXXX. This doesnt match any account information. This card was to my understanding closed after the owner was forced to. I again deny all claims and find great insult in accusations made by American Express. I consider this slander and its a great insult to my reputation and causing great stress and aggravation. Amex, You have broken the law under FCRA/FDCPA multiple times. I am taking action in court if this is not removed promptly. Last attempt before I file in special civil.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: U.S. BANCORP (MD)

Elan Financial sent me a refund check for a credit balance refund in XX/XX/year>. The front of the check stated " This document has an artificial watermark printed on the back... absence of these features will indicate a copy. '' However the back of the check had no watermark. I thought that it was an honest mistake and called them to the check reissued with the proper watermarks ; However, the reissued check has the exact same misprint.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (TX)

I have been trying to use my Apple Card provided by Goldman Sachs for two weeks and its been blocked for fraud. I was told twice that all the flags were cleared and I could use my card again. 

I have spoken to 15 different agents and I still can't use my card. The last two agents XXXX XXXX and XXXX XXXX both lied and stated that they could help but all they could do is provide case numbers for someone who could help would call me back. No one is calling me back and I am still not able use my card.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (NY)

On XX/XX/XXXX, I noticed XXXX transactions totaling {$920.00} that was taken out of my account from an ATM machine at a XXXX. On XX/XX/XXXX, I used my card at the same location and withdrew {$40.00}. I reported the fraud hours after it happened. After XXXX business days, the bank, Netspend, denied my claim. I requested a detailed explanation and they sent me a document saying that there was " no evidence or pattern indicating fraud '' after another XXXX business days. I then requested an actual explanation of their investigation and they sent me a document that said " the transactions fit the pattern of how I used my card because I withdrew {$40.00} on XX/XX/XXXX and the last time before that I used my card there was XX/XX/XXXX where I withdrew {$40.00} ''. This is laughable. How does me withdrawing {$40.00} twice in 9 months constitute a pattern of me using my card there? And withdrawing the XXXX amount you can for XXXX day? So, obviously what happened was on XX/XX/XXXX, there must have been some type of device that got my card details and then they made a copy of my card and used it to withdraw the {$920.00} in back to back ( XXXX transactions ). 

It's crazy to me that they would consider my last XXXX transactions there, which were XXXX  months apart, a " pattern '' when I withdrew {$40.00} twice. Then all of a sudden do XXXX back to back transactions for the daily maximum withdrawal limit. I have video proof that I was at my place of employment when the XXXX transactions in question happened.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This complaint is to report the inaccurate credit reporting by the XXXX credit reporting agencies Experian, XXXX, and XXXX. The account XXXX XXXX should be immediately deleted from my credit report due to incorrect information. How is each bureau reporting different balances and payment history when all data furnished should be the same? This doesn't make sense and it violates so many FCRA regulations. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. XXXX does not even report the original balance so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE (CA)

XXXX reported a fraudulent charge under my name with a credit limit of {$1000.00} open on BARCLAYS BANK DELAWARE/XXXX XXXX. As a result, my Credit score was very low. I have a high balance of over {$5000.00} which is not from me. 

I've already spoken with Barclay 's Bank and they told me it would take about 60 days before they can get back to me. I would appreciate if I could get a response from Barclay 's Bank, as my Credit score is still very low.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (MS)

I was solicited by Marcus by Goldman Sachs as a GM cardholder. Here is the promotion per their email to me : XXXX, Cool breezes are rolling in, and so is the XXXX  fun! Let us help you keep your days fresh and your nights cozy with this special limited-time offer : Get XXXX bonus points ( a {$50.00} value at GM ) for each purchase you make with your My GM Rewards Mastercard from XX/XX/XXXX through XX/XX/XXXX, up to XXXX bonus points.XXXX Here is the footnote per their solicitation : Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX is the issuer of the My GM Rewards Mastercard . GM is solely responsible for the operation and administration of the points program. For more details about the General Motors points program, including redemption options, go to mygmrewardscard.com. Mastercard and the circles design are trademarks of Mastercard XXXX XXXX. 
XXXX You will qualify for XXXX bonus points for every purchase made using your My GM Rewards Mastercard that posts to your account during the promotion period from XX/XX/XXXX through XX/XX/XXXX, up to five ( 5 ) separate purchases for a maximum of XXXX total bonus points. Purchases do not include fees or interest charges, cash advances, wire transfers, unauthorized or fraudulent transactions, purchases of travelers checks or other cash equivalents, postage stamps, lottery tickets or similar betting transactions. Posting times vary by merchant and returns or exchanges may impact your eligibility for this offer. This promotion is only available to Cardmembers who directly received this offer and it is not transferable. Bonus points will be credited to your My GM Rewards Mastercard account within 1-2 billing cycles following promotion end date. Account must be open and in good standing at the time of fulfillment. Goldman Sachs Bank USA reserves the right to modify or revoke offer at any time I did this and made 7 purchases starting on XX/XX/XXXX and ending on XX/XX/XXXX. I never got the points promised which equates to {$250.00} in purchasing power with GM. I contacted the GM reward center by phone on XX/XX/XXXX. They told me to submit this problem in writing via email to them. I did that on the same day. I got no response. I sent another email to the rewards center on XX/XX/XXXX and got no response. I called back on XX/XX/XXXX and told them what I had gone through. They acknowledged that they had received my email and that it was still being processed. Nothing has happened since then and I never got the points which is false advertising. Please help.
Consumer complaint received 2024-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION (CT)

I defaulted on my loan when I retired in XXXX I was only 1 month behind. My wife works full time and she was keeping up with all the bills. Then we missed a payment a day after the month was up & M & T would not accept 1 payment but 2 which was difficult. So we tried to work something out with M & T and they wanted {$5000.00} a month for 6 months or to change our 3.25 APR mortgage from $ XXXX month with insurance to 7.25 APR of {$2000.00} a month without insurance. The insurance we currently have is $ XXXX month thus bringing a {$700.00} ( rounded off ) increase. Both options are not affordable and we contacted our M & T rep, XXXX XXXX who wasnt helpful.
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Independence Capital Recovery, LLC (WY)

I received a written notice in the mail ( around end of XXXX ) describing the debt this company was seeking, as well as emails detailing the same information. Around the dates of XX/XX/XXXX, my family received concerning calls from an " attorney '' ( at the number ( XXXX ) saying that he was trying to reach me in an attempt to represent me. The individual was said to have a threatening tone, and did not state any identifying information. I then also received this call ( on XXXX voicemail was left ) stating the same thing : an " attorney '' from an unnamed agency was trying to reach me for representation. 

Today ( XX/XX/year> ) I received a call and a voicemail from the same number ( XXXX ). The voicemail states the call from an individual working at ICR ( Independence Capital Recovery , LLC ). The individual clearly stated the intent of the call ( debt collection ) and that I would receive an email with the same details. In the email I received there is an attached PDF with details. In this PDF is says, to quote a paragraph in the document : " At this time, no attorney has personally reviewed the circumstances of your account. However, if your account remains unresolved, the current creditor may consider additional remedies to recover the balance due. We are not a law firm, and we will not sue you on this account. We do not make decisions as to whether to place your account with a law firm as that decision rests solely with the current creditor. '' This means that at least one individual from Independence Capital Recovery , LLC ( ICR ) contacted me, and two members of my family ( to my knowledge, no one else was contacted ) falsely pretending to be an attorney in a threatening manner.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CT)

Paypal has allowed my account to be taken over and there is a cash balance due, preventing me from cancelling their service. In addition, one credit card on my PayPal account has been closed for " XXXX XXXX '' and I had to close the other due to fraud. Paypal will not allow me to remove either card. I merely used this account in my online wallet because I thought it would protect my credit cards from fraud. I never used this as a place to hold ever. There is a bill for {$19.00} due for what I don't know and the only way to clear it is with bitcoin, gift cards or cash (? ). Paypal stores so much personal information that this is very worrisome. I went through identity theft in XXXX and my identity was used to file taxes in XXXX and XXXX. I don't want to go through this again. Paypal also contained XXXX on their website and I am unable to remove this account both from Paypal and from The XXXX XXXX. The XXXX XXXX is an online consignment shop that offers to pay commissions from sales on XXXX through XXXX. What they don't tell you in the fine print is that you have to provide your personal information as well as a link to your bank account for the service. All of these companies have their processing sites offshore, which is just asking for identity theft. Paypal claims that they take privacy seriously so that must be why they never answer their phone or respond to requests for help. The XXXX XXXX has retained my bank account and refuses to remove it and the access to XXXX. I let my bank know that there was fraud on my account through them and XXXX is not allowing any further transactions from XXXX to go through.
Consumer complaint received 2016-11-02
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC. (TX)

Threatened of being taken to jail. 
I was embarrassed and scared and paid what they wanted me to pay. I did stop the auto draft and planned on working out a payment arrangement ; they were not willing to work with me. They sent to collections and almost a year later, I received a voicemail at work threatening legal action against me. The next day I called them back and they said a constable was coming out with a warrant for my arrest.
Consumer complaint received 2024-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NH)

I am reaching out to request assistance. I XXXX XXXX in XXXX and a portion of my private loans were sold from XXXX  ( a NH based company ) to Firstmark Services ( a 1 star rated company based out of Nebraska ). In XXXX ( XX/XX/XXXX ) I got a statement, called and spoke to someone from Firstmark as I was supposed to be deferred and in a grace period. She explained I was in an interest only repayment period and it was optional to pay it. I called again when I got a statement in XXXX ( XX/XX/XXXX ) for {$720.00}. I was told again this was interest only repayment and it was optional to pay. Towards the end of XXXX they applied late fees to this {$720.00} amount and told me I had to pay it. I looked over my original loan documents and I never chose interest only repayment, I chose complete deferment. I spoke to a higher up ( XX/XX/XXXX ) within the company and she put in a case for me. It took two weeks for there to be an update and I never received a call like they said I would. I had to call them ( XX/XX/XXXX ) for them to tell me they entered my loan into repayment a month early because I was not paying the interest. By this point I am 26 days past due and it will impact my credit soon. However, they should be abiding by my contract which said deferment. I have names and dates from when I called the company. On XX/XX/XXXX I filed a XXXX XXXX XXXX  complaint. I have yet to receive a response from Firstmark. When I called last Friday ( XX/XX/XXXX ) I mentioned for the third time my original loan documents and this lady submitted a new case attaching my original loan documents and she advised me to make my monthly payment ( {$340.00} ) which I did. This weekend I checked my portal and saw the Past Due amount go down after I paid the {$340.00}. I checked again today ( XX/XX/XXXX ) after I got a text from Firstmark telling me to call them immediately and noticed the past due balance was back up to {$720.00} and I still owed the monthly payment. Its as if that {$340.00} payment I made went towards none of my loans. I called today and I spoke to the same girl, she was unhelpful and essentially said I can ask about the {$340.00} not making a dent in my loans when they give me a call once my case is resolved. Today is day 30 past due and the last case they never even called me to update me. This company has almost 250 complaints to the XXXX XXXX XXXX  within the last 3 years. They are unhelpful and it seems as though they are stealing peoples money and every time I call for assistance it somehow gets more messed up. I have been asking for help through the company and through XXXX  to get no answers and no assistance.
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (TX)

Wakefield & associate purchased a debt from XXXX XXXXXXXX XXXX, never notified me anything until I saw two charges about 5 months apart from them in XXXX while I've had superior Medicaid uninterrupted since XX/XX/XXXX so this debt is invalid. I never used there services for one. Two if I did Medicaid would have paid the debt like they've paid one other XXXX visit. This company has also now been taken down by FBI for fraud in XXXX. The owner of XXXX XXXX XXXX is waiting at this very moment for his date to report.to prison and XXXX XXXX XXXX was sold. Most importantly I have no debt with this company even if I did ever use there services I can prove superior Medicaid would've paid it.
Consumer complaint received 2024-03-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Student Debt USA, LLC (GA)

I utilized student debt Usa from XXXX to XXXX. They promised to ensure I would have the lowest monthly payments and ensure that I received loan forgiveness. They charged me and my wife a monthly fee, and we discovered that through the pandemic they had not done anything with our loans. When loan payments resumed, our payments were high, they had not recertified employment or income, and our bill was double what it should have been. We cancelled with them in late XXXX and they continued to charge us for months and would not stop our monthly payments. We attempted to get these funds refunded, which they refused and continued to charge us. They no longer answer our phone calls.
Consumer complaint received 2024-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc (AR)

XXXX XXXX XXXXXXXX XXXX said it was a mistake by the credit bureau. 
They did not report this, they stated they requested removal on XX/XX/year>. 
I was alerted by a credit company due to changes in my score. 

The alleged charge was 5 years and 5 months ago. I due not owe this.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I am writing to demand an immediate investigation and resolution regarding multiple fraudulent accounts and erroneous credit report entries listed under my name. Despite my previous efforts to rectify these issues, including filing a report with the Federal Trade Commission, the continued presence of these incorrect entries on my credit report is both distressing and unacceptable. 



XXXX XXXX Account Opened in XX/XX/XXXX : I categorically deny any involvement with or knowledge of the account showing a balance of {$470.00}. 

The account was opened without my authorization, and the contact information on file was erroneous. 



XXXX Account Opened in XX/XX/XXXX : The reported balance of {$59000.00} is entirely unfamiliar to me. 

I assert that I did not open this account and any claim to the contrary is fraudulent. 



Fair Sourcing and Collections Reporting for XXXX : The reported debt of {$19000.00} on behalf of XXXX is baseless as I have never engaged with either entity. 

The reporting of this alleged debt is not only incorrect but also raises serious legal concerns. 




These inaccuracies are causing me significant harm, leading to credit denials and tarnishing my financial reputation. This is a clear violation of my rights and I will not hesitate to pursue all legal remedies available to me, including but not limited to litigation, if these matters are not resolved promptly and to my satisfaction. 


This letter serves as a formal notice that I expect the fraudulent entries to be removed from my credit report immediately. Failure to act will leave me with no choice but to seek legal action for damages resulting from your negligence and the unlawful impact on my credit standing. 


Attached, you will find documentation corroborating my dispute. I demand a written response within 15 days of receipt of this letter, confirming the commencement of an investigation and outlining the steps you will take to rectify these errors. 


I trust you will give this matter the urgent attention it deserves.
Consumer complaint received 2023-11-02
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AC AutoPay LLC, Denver, CO Branch (MI)

Lenders pulled credit reports for auto loan, but would lend due to XXXX. Loan amount requested and vehicle value was obtainable prior to running my credit. My credit showed I had the ability to repay the loan, however, I was denied because of XXXX. If they were unwilling to finance the vehicle for amount needed they never should have ran my credit to begin with. I have requested they remove the inquiries and they have refused.