davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

The bank started missing wire payments last year for no apparent reason. Most recently, they froze all of my accounts because of one credit card transaction they flagged as fraud ( which was a legitimate transaction ). Then froze my accounts again over night for the same issue because a bank employee didn't read the notes of the resolution ticket. I had to call back again to unfreeze the accounts. Next I logged into my XXXX XXXX account and tried to initiated a transfer of {$5000.00} into XXXX XXXX  from my USAA account, which I have done successfully 3 times previously, and the linkage was already set up. USAA rejected the funds transfer again telling XXXX XXXX that my accounts were frozen for withdrawels. I call USAA back again and they stated that none of my accounts were blocked and there was no explanation for the rejection of the funds transfer. So basically USAA is preventing me from taking my own money out of my USAA account. I think that should be illegal.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MA)

American Express is blatantly denying the increase of my credit limit on one of the cards.

When I called Amex a few days ago, I was informed that I would be able to increase the credit limit on Blue Cash Everyday after 90 days beyond the account opening date and the customer representative told me the exact date when I could request a credit limit and that is XX/XX/XXXX. But, when I called Amex on XX/XX/XXXX to increase the limit, they said it is not available and I still have to wait longer. I feel betrayed and Amex hasnt kept its promise of allowing me to apply for an increase.

When I told Amex that earlier they said I could increase the credit limit but they deny the fact what they said earlier. 
The small credit limit restricts my purchasing power thereby tying my hands to make purchases.
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

US Auto sales outsourced my loan, and canceled my warranty without giving me any explanation or warning. My car needs repairs and I shouldve had the warranty until XXXX XXXX My warranty is included in the price of my loan. So if they can just cancel it, I feel I should be reimbursed for the cost of it.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

I have had a bank account with Chime Financial for a few XXXX  without any problem. I have been working as a XXXX XXXX direct depositing my paycheck into this account. Chime Financial has a feature called Spot-Me which is esstentially an XXXX  service the amount of which is based on what the paycheck is. XXXX XXXX do not work over XXXX nor do they get paid. I noticed issues with the Spot-me account. I called Chime customer service. I was told that the XXXX was calculated based on balances in checking account and balance on the credit builder account. At the time the blance was approximately - {$30.00} credit builder and - {$20.00} in the checking. I deposited money into the checking account. However when I went to make a purchase I was only credited for {$10.00} although I had a positive balance. The XXXX did not kick in. I called Chime to find out what was going on. Chime has call centers in the XXXX. This practice of XXXX call centers should be stopped. I had an hour of fruitless discussion with Chime customer service reps. I wasted my breath arguing with Chime. I told them I was expecting refunds of XXXX charges to the credit builder account. They did not seem to understand me. My balance in the checking was positive {$10.00} according to the app. XXXX XXXX do not get paid much. Yet a putche of {$11.00} was not going through. I attempted to explain the situation. Chime refused to help. I told Chime they did not understand what I was trying to say to them. Clearly they didn't or they didn't want to understand. They hung up the phone on what was becoming a heated discussion due in no small part because Chime was lighting a fire under it. XXXX XXXX  later I got an email saying they were closing my account. They then blocked all access to my transactions. They stopped me from logging into my app. I called them. They said they were going to review the account. This was XXXX XXXX  ago. All of my interactions with Chime had been courteous. I blame Chime for being exactly XXXX half of a bad conversation. Consequently, my direct deposit was bounced back. I didn't get paid. All of my recurring ach transactions didn't get paid. My paper paycheck was mailed from Michigan. I still haven't got paid. Chime has not responded to any requests from me at all. They misled and lied to me. They closed my account after XXXX bad phone call in which that they caused increasing fustration.Its a situation of if a shoe fits.
Consumer complaint received 2023-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

I hope this message finds you well. I am writing to respectfully appeal the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe that this limitation might have been placed due to a misunderstanding or an error, as I am confident that I have not violated any PayPal policies. 

I have been a loyal and responsible PayPal user for a considerable period of time, and I have always made sure to adhere to the platform 's guidelines and policies. Thus, the current situation has left me deeply perplexed and concerned. 

I kindly request that you initiate a thorough re-investigation into my case. I believe that upon review, you will find that there has been no breach of PayPal 's terms from my end. I am committed to resolving any potential issues and to providing any necessary documentation to support this claim.

It is my earnest appeal that you reconsider the limitation on my account. I understand the importance of security and policy enforcement, but I am convinced that this matter can be resolved with a fair evaluation of the facts. Restoring my account would not only reinstate my access to essential financial services but also reinstate my faith in the PayPal system. 

I genuinely value the services that PayPal offers and the convenience it brings to countless users like myself. I am hopeful that this matter can be resolved promptly and amicably. Your assistance in this regard is greatly appreciated. 

Thank you for your time and attention to this matter. I am eagerly looking forward to a positive resolution.
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

Hello I called Westlake 4 different times requesting a discount for payoff being that the vehicle is faulty and has rain water flowing throughout the vehicle, The water is leaking all through the vehicle some places I have no idea where the water is coming in from. I was told they could not assist me with any type of discounts for payoff. I explained I don't think it's fair I make monthly payments on a faulty vehicle that could possibly be a dangers vessel for me and my family. I don't have the exact dates. My last call to Westlake was about 10 days ago.
Consumer complaint received 2023-12-17
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. (FL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have had a XXXX XXXX XXXX XXXX  with a {$13000.00} balance on my credit report since XX/XX/2014, in which Transunion had recently decided to close by mistake. This account should still be Open and reporting on my report.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (KY)

Between XXXX XXXX on XXXX, my hacker personal device has been forced multiple Factory Resets and data wipes. It has multiple APN 's. I logged onto my TRYIST MOBILE BANKING APP on XXXX to discover my personal XXXX XXXX device I purchased on XXXX, was not recognized. The 2 Step verification page had an unknown phone number listed. I went to the Bank Branch and informed a Bank Clerk. She removed the number immediately without fully exposing The full number. She intended to send a security ticket, but waited until I left the property with my personal device that can hack any electronic system within it's range. I informed her that reporting my hackers results in major breaches of the systems I report on, but they seemed to never touch funds. 

XXXXXXXX  I check my TRUIST ACCOUNT daily notifications show multiple thresholds reached. I see 27 deposits made ranging from $ XXXX {$600.00} dollars into my account. While heading to the bank to understand this activity, manual withdrawal starting occurring. The same Bank Professional is informed and gives me a printout of my activity. It shows ( suspiciously ) XXXX. The period my personal device started Wiping data. My account was receiving and removing funds of over {$3500.00}. I went to the XXXX Police station with the documentation to file a report. 

This was shown as starting XX/XX/XXXXXXXX  and continued the morning of XX/XX/XXXX. I can not do an audit of my account because the data changes after documentation. The TRUIST BANK SYSTEM has been breached.
Consumer complaint received 2023-08-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Data Systems, Inc. (GA)

On XX/XX/2023 I decided to check my XXXX XXXX Credit Report and I noticed a medical collection on there. The Collection agency name is called Medical Revenue Service. When I saw the negative mark on my credit report I notice where it said " Loan Type '' it clearly states Collection Agency/Attorney. This is illegal under FDCPA rule 15 USC 1692e ( 3 ) 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 3 ) Which states. The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

This collection agency is representing themselves as a Attorney to collect a debt from me which is not allowed PERIOD!! 

Also under FDCPA rule 15 USC 1692b ( 5 ) 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

In the letter I enclosed it clearly states Medical Revenue Service is a debt collector. We are trying to collect a debt on behalf of XXXX XXXX. We will use any information obtained to collect this debt. There clearly stating there in the debt collection business if they wasn't they would not be trying to collect this alleged debt from me. I believe i should be rewarded {$1000.00} on each violation that was broken so {$2000.00} total.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (MD)

On [ XX/XX/23 ], I reached out to a customer service representative at Fortiva, because I was having issues with my portal. They processed the payment for me and stated that she would take care of a late fee and the account. I asked her throughout the call several times if because I have issues with would my payment report as late. She stayed at all three times that there was absolutely no way my payment will report as late. I had nothing to worry about and I should follow up with customer service on Monday. 

Unfortunately, the representative gave me incorrect information. I received a notification that my payment did report as late which contradicts the information given by XXXX customer service representative. 

Please let me reiterate no point in time during that conversation that she state if the payment was after the XXXX that it would be late reporting. I did not find that out until calling a customer service representative today and I talked to three of them and it wasnt until the third representative that I was given that information. Verbatim she stated it was taken care of and there was no way that it will report as late, which is incorrect due to the late reporting. 

This may have been a honest mistake on the representatives side, however, it was on my behalf. I am asking for Fortiva to Please take accountability for your representatives actions by fixing this mistake and educating the representative. Fortiva has failed to properly educate this particular representative and adequately inform me as the consumer if anything was different. As a result, she has created financial obstacles for me by providing incomplete and incorrect information. This extreme disservice to a client to provide partial information. 

To resolve the problem, I would appreciate a updated report being sent on my behalf. 
I look forward to your reply and a resolution to my problem. I will wait until before seeking help from a consumer protection agency or other assistance. Please contact me at the above address or by phone at XXXX.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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

I told XXXX, Transunion, and XXXX to reinvestigate this accounts : Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity 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 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

I opened my account with US Bank on XX/XX/2023. I made the funding deposit of {$25.00} on the same day XX/XX/2023. Two days later on XX/XX/2023 my boss deposited {$2100.00} into my checking account as a payroll check. When this was done, there were {$250.00} of funds held for debit card authorizations and {$1800.00} of funds held for deposits. This created an available balance of {$0.00}. Today is XX/XX/XXXX XXXX XXXX  and my funds are still being held from me. I have went to the bank, pleading with them to help figure something out because I can not pay my bills or feed myself during this time. I just dont know what to do.
Consumer complaint received 2023-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (MD)

Professional Account Management [ XXXX XXXX XXXX ] [ XXXX, NY XXXX ] Re : Validation of Debt PAM Notice Number : XXXX Toll Violation Number : XXXX Dear Sir/Madam, I am writing to formally dispute the debt collection notice I received from Professional Account Management, dated XX/XX/2023, regarding Toll Violation Number XXXX. This letter serves as my request for validation of the debt as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

According to the notice I received, I am being claimed to owe {$74.00} for the aforementioned toll violation. However, I have not been provided with sufficient information to validate the legitimacy of this debt. I kindly request that you provide the following information : 1. Original Documentation : Please provide the original document that clearly shows the debt was assigned to Professional Account Management. This includes any agreement, contract, or assignment document that demonstrates the validity of the debt and your authority to collect it.

2. Proof of Ownership : Provide evidence that establishes your legal ownership or authorization to collect the debt in question.

3. Detailed Account Information : Furnish a breakdown of the alleged debt, including dates of the violation, the toll booth involved, and any associated charges or fees. I need a comprehensive account of how the total debt amount was calculated.

4. Account Validation Requirements : Please provide all necessary documentation to verify the accuracy and legitimacy of the debt, in accordance with the FDCPA requirements. 

Furthermore, I would like to bring to your attention that the notice I received indicated this as a " 2nd collection notice. '' However, I believe there is a mistake, as this is the first communication I have received regarding this alleged debt. It is important that any communication accurately reflects the status of this matter. 

Until I receive the requested documentation and the debt has been appropriately validated, I am exercising my rights under the FDCPA to request that all collection efforts cease. This includes but is not limited to phone calls, letters, and any reporting to credit bureaus. 

I look forward to receiving the necessary information to validate this debt and confirm its accuracy. Please ensure that all correspondence related to this matter is sent to my address as provided above. If you are unable to provide the requested documentation, I kindly request that you cease all collection efforts and consider this matter resolved. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2023-06-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC. (CA)

The company name is Cashcall , Inc who is client of XXXX XXXX, XXXX who client of XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX. I had a judgment placed on my bank account by XXXX XXXX XXXX for a loan in year XXXX. Cashcall has major lawsuits for bad loan practices where they had an injunction to not pursue their clients due to high interest rates. The loan I obtained in XXXX  was for {$2600.00} currently they want me to repay {$8400.00} which per injunction this is illegal. They have the offices stated above that took all my money through a levi on my account. Injunction from Superior Court of California case # XXXX
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Society Business Services, Inc. (AZ)

I received a letter on XX/XX/2023, dated XXXX XXXX notifying of BME Services intent to collect the debt. I had been in contact with insurance, but intended to pay to avoid a negative impact on my credit. I have a rating of XXXX. I called their office because their online payment did not work. I could not find the site. I was told I could not pay by phone with XXXX, my only credit card.. One phone number listed on the letter was incorrect and with the other, I twice was on hold a very long time. Their office person told me the online payment had not been working for some time. She said there is a, " glitch, '' and would not tae payment under {$100.00}. My debt is, {$90.00}. I have no checks and do not want to order checks. I have had a recent ankle injury and would need help to get to the bank. I am XXXX old and have no family in the area. I asked if they would give me a grace period until they have their online system fixed. She said they would not and if I don't pay by the deadline, My credit would be negatively impacted. I then called on XX/XX/XXXX, XXXX XXXX XXXX XXXX as this non-profit agency owns. the collection agency. I was told a XXXX XXXX would call me. I have not received a call.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-12-17
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. (AL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help