davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (LA)

I had been eagerly looking forward to buying XXXX gifts for my kids using an AMEX gift card that I had purchased for {$300.00}. However, much to my dismay, when I tried to use the gift card to make purchases, the transactions did not go through. I tried multiple times, carefully entering the required information to ensure that it was correct, but to no avail. I even tried using the card on different websites such as XXXX and XXXX, hoping that it would work, but it didn't. Frustrated and confused, I contacted customer support for both XXXX and XXXX, hoping that they could help me resolve the issue. However, even after spending hours on the phone with their customer support representatives, I was still unable to make any purchases using the gift card. As a last resort, I contacted the AMEX gift card customer support and explained my problem to them. I was hoping that they could offer some help or provide me with options to resolve the issue. However, much to my disappointment, they informed me that there was nothing they could do to help. I was left feeling baffled and frustrated as I had been misled into buying a gift card that I couldn't use to make purchases. It was a terrible experience, especially since I had been looking forward to using the gift card to buy gifts. The fact that I had lost my hard-earned money only added to my frustration and disappointment.
Consumer complaint received 2023-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (VA)

My complain is with PayPal I had my PayPal account for over 6 months and I used it regularly So on XX/XX/2023 I received a payment in the amount of XXXX $ split in XXXX payments XXXX {$500.00} $ and XXXX $ Because of this payment I struggled to withdraw funds from my PayPal account I called multiple times to know why, They claimed it was the algorithm that flagged my PayPal account because my account had never received such amount and they could not override the algorithm I explained how and where the payment came from but to no avail For 5 days I struggled and called to find solutions to withdraw my money On XX/XX/2023 I was finally able to withdraw the money which was subjected to a XXXX hour hold XXXX hours into that XXXX hours hold I got an email saying they could not process the transfer and cancelled it And few minutes later I got another email saying my account has been permanently limited Putting me in debt and subjecting me to series of embarrassment
Consumer complaint received 2023-12-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

I sent XXXX XXXX  XXXX XXXX XXXX XXXX XXXX a dispute letter about a debt dated XX/XX/2023 in the amount of {$2000.00}. The response was letter was not dated correctly and I did not receive validation. Months later In XXXX I received another debt collection letter from Debt Rocovery Solutions, LLC about the {$2000.00} I had until XX/XX/2023 to dispute debt in writing. I ask Debt Recovery Solutions , LLC to validate the debt. They received my dispute letter on XX/XX/2023. Instead of Debt Rocovery Solutions. LLC sending me validation they reported the debt. According to the letter Debt Recovery Solutions LLC sent they were supposed to stop collection on the disputed amount until they sent me validation
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DK, Consulting, Inc dba Huntington Financial Services (MD)

XXXX XXXXXXXX XXXX I started receiving text messages from an unknown number stating I needed to reconcile an account that might be mine. The messengers name was XXXX, no last name given. Messages also did not have a subject nor details regarding alleged account or company of alleged account. XXXX XXXXXXXX XXXX I received another text message stating, We previously called due to the state that you reside and issued a notice to you but haven't heard back yet. Before we proceed with any further steps, including sending documents to employment verification it's essential to talk to you about your options. Please note, this issue is both time-sensitive and time-stamped, requiring your immediate attention today.Contact us at XXXX Send STOP to opt out. 

I called immediately out of urgency and curiosity. The caller said my account was from XXXX and I owed a small balance of, {$180.00} from a XXXX account, and I accrued 2 years of interest fees but they would take the smaller amount to cover the defecit. I questioned the caller because I could not find any proof of collections on my credit, I looked in my Wayfair account and my XXXX and only order was paid in full, my XXXX account showed no signs of an order from XXXX, so all signs were clear that this had to be fake. I still wanted to be sure so while the caller was getting belligerent and eager to receive a payment, I asked him if I could call back to make a payment after I verified with XXXX. He said, sure but they would tell me my account was sent to collections so I should just pay right now or suffer more fees. I asked him for the so called account number to cross reference when I called him and he gave me a XXXX number. I asked for his company name and he stated, XXXX XXXX XXXX, I then thanked him and said I will call you back because I dont believe this is right I dont have any accounts open and its not on my credit report. He continued to argue with me so I hung up and called XXXX. Confirmed my suspicions and came directly to this website per the XXXX representatives advice.
Consumer complaint received 2023-04-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (MS)

ive gotten behind on my tower loan payments due to work, working in the car business and sales are down. my pay has drastically changed due to car business. store manager XXXX, is calling me everyday twice a day and even twice a day on my job. i went by the store and tried to pay XXXX dollars and she wouldn't accept my payment. also threaten to take me to court.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I checked my personal credit report, which I acquired from your organization on TransUnion Report XX/XX/2023 and I noticed that this Inquiries had been made
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I recently opened a credit card with capital one to use with my mother 's XXXX XXXX XXXXXXXX XXXX  expenses all in one place ... Capital One instantaneously sent car to restricted status and fraud alerting it once activated. Unable to provide assistance to my mother in her time of need and was treated like a criminal when I tried to use it at local XXXX XXXX  and XXXX. Will not do business with this financial institution again and hope they all end up in a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are such a scam they're call center if filled with XXXX  who refuse to tell you that they are reading a script, probably in the XXXX. Not safe for American consumers financial or judicial lives!
Consumer complaint received 2023-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Omega RMS, LLC (GA)

Omega RMS , LLC is attempting to collect for XXXX XXXX XXXX. I called XXXX as verified I own nothing. I called Omega and told them to stop contacting me by any means. Still receiving contact. Reference XXXX
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I always paid on time, and this giving me XX/XX/XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-07-15
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. (OK)

This company has been asked to validate the XXXX account on my report and has not done so in over 30 days. I feel neglected, unheard, and mistreated seeing has this is not my first or second attempt in getting this account off my report.
Consumer complaint received 2023-12-09
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: Bread Financial Holdings, Inc. (TX)

We've been having some issues with our Express card from Comenity Bank. First, our identity was stolen, and the thieves used our information to make online purchases. We reported the issue right away, and it was resolved quickly. However, we noticed that while we had a credit balance, but after that Comenity Bank claimed that we owed them money. We don't recognize the total amount they're claiming, so we messaged them on their website to file a claim. They acknowledged that we owed a smaller amount, but we asked for a breakdown of the total amount. Since then, they've been giving us excuses and asking for receipts, even though they have access to more information than we do. It seems like they're justifying the collection they're making without a proper explanation. And to top it all off, this has not been the only time someone has committed fraud with our cards with this bank - months later it occurred with a Victoria Secret Card.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-05-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (PA)

I payed this account in XXXX. They said I would get a notice and confirmation reported to my credit account settled and paid. However in XXXX, XXXX, and now XXXX, they improperly reported a charged off amount negatively affecting my scores these last few month. Also sent notarized letter demanding immediate removal. WestLake Portfolio Management, XXXX, Account # XXXX.
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc. (WA)

I'm trying to buy my lease vehicle at end of lease. GM Financial will not give me an itemization of payoff amount so that I can obtain financing through another bank. They will only give the total payoff amount. The new bank needs itemization details about the payoff amount to finance the new loan. 
I talked to XXXX on XX/XX/22 and XXXX on XX/XX/22 at GM Financial. XXXX said she was sending me the information, however, when the information arrived, there was no breakdown of the total payoff amount. I called GM Financial again and talked to XXXX. He refused to give me the payoff breakdown. He refused to give me his last name, direct number, e-mail address or any other information so that I could call back to discuss the issue with him again after talking to my bank. He kept referring me to GM Financial XXXX number if I wanted to call back.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am reaching out to discuss an issue with a XXXX XXXX XXXX XXXX account that is reported inaccurately on my credit report. 

This particular account, despite having been charged off, continues to be reported as such on my credit report every month. Moreover, in some months, there is no data reported for this account at all. This inconsistent reporting further underscores the inaccuracy of the information being provided. 

As per the guidelines of the Fair Credit Reporting Act, all information presented on a credit report must be 100 % accurate. Given the ongoing inaccuracies and inconsistencies with this account 's reporting, it is clear that this standard is not being met. 

These inaccuracies are having a detrimental impact on my credit score, and I kindly request your assistance in rectifying this situation. I am seeking the removal of this charged-off account from my credit report, given the incorrect and inconsistent information being reported. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2024-05-03
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: JPMORGAN CHASE & CO. (TX)

I didn't authorize these Companies to pull my Credit. I requested my signature of contract. 

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 2023-12-11
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

I am filing a formal complaint against Synchology Bank ( Synchrony ) I am writing to address ongoing concerns regarding my XXXX 's credit card account, previously raised under Complaint ID XXXX. 

I appreciate the efforts made by Synchrony Bank to rectify the majority of the issues outlined in my previous correspondences. However, upon careful review of the recent account statements, it has come to my attention that there remains an outstanding credit of {$61.00}. I am writing to bring this matter to your attention for prompt resolution. 

It appears that Synchrony Bank chose to close the initial account, subsequently opening a new one. The original purchase was made under the understanding of a XXXX interest-free financing arrangement. Regrettably, the recent statements reflect an imposition of interest charges, contrary to the agreed-upon terms. 

Furthermore, my attempts to address this matter through the chat option on the Synchrony XXXX 's website proved unproductive. The live agent ended the conversation prematurely, leaving me without a viable solution or resolution. I am disheartened by the lack of customer-centric service exhibited during this interaction. Instead of resorting to repeated phone calls, I am choosing this XXXX XXXX as I believe it will provide a quicker and more efficient response. 

To expedite the resolution process, I am formally requesting the following credits to be applied to my account immediately : XXXX. Interest charged in the XXXX statement : {$54.00} XXXX. Interest charged in the XXXX statement : {$52.00} XXXX. Previous XXXX XXXX owed : {$61.00} The total requested credit amounts to {$160.00}, which I believe accurately reflects the interest erroneously charged to my account. It is important to note that I have made payments covering the balance, excluding the disputed {$160.00}. 

I am genuinely disappointed by the continuous issues and challenges faced in dealing with Synchrony. As a responsible consumer who consistently pays bills on time or ahead of schedule, I expect a higher standard of service and transparency. 

I kindly request your immediate attention to this matter and a prompt resolution to ensure the credit adjustments are reflected in my account. Your cooperation is greatly appreciated. 

Thank you for your understanding and prompt action.
Consumer complaint received 2023-09-21
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. (NJ)

I personally do not know this information but it is in my report damaging my status, please remove this soon XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

The Company is LVNV funding LLC has a mistakrn credit report against me. For the amount of {$2200.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX  These report are not my doing and want them removed from my report
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I submitted a complaint last XXXX XXXX XXXX Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-07-07
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. (OH)

On XX/XX/2023 I sent a certified letter ( tracking number XXXX XXXX XXXX XXXX XXXX ) regarding inaccurate information that needs to be removed from my account. Information is still showing on my account