davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I have received a letter from Amsher Collection Services , Inc. regarding the {$120.00} debt I owe from XXXX XXXX XXXX, I want to let you know that I have never had this account with XXXX for a long time.
Consumer complaint received 2020-03-16
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: WELLS FARGO & COMPANY (DE)

I reviewed my credit and found this account, which was reporting inaccurate information so I sent disputes to the credit bureaus and after a supposed reasonable investigation, they verified the account as accurate. I am disputing this because they are reporting inaccurate information this whole time! They have not responded to my disputes, or sent me the documentation requested! they have, however written me a check for {$24.00}, which verifies the inaccuracies! They have continued to report this despite the inaccuracies, and the fact that they must have done some sort of investigation to find a balance? The only other reason that they could have written a check for is my silence. My next step is to go to my attorney!
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I received a letter from Citizen 's Bank on XX/XX/2022 collecting a debt. My account was just transferred over from XXXX. The letter said that my minimum payment was {$52000.00} and the amount past due was {$36000.00}. When I called Citizens, they told me that they sent out a letter with a misplaced decimal point, and it should have been XXXX and XXXX. While I knew this was inaccurate, I had to check all of my credit reports and make sure my identity was not stolen, and check all of my other information. This seems like more than a simple mistake.
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AMERICAN EXPRESS COMPANY (CA)

2 FRAUDULENT CREDIT CARD ACCTS. WERE OPENED AT AMERICAN EXPRESS. I CONTACTED AMEX AND FILED A POLICE REPORT WITH XXXX POLICE DEPARTMENT..POLICE REPORT # XXXX. THEIR PHONE # IS ( XXXX ) XXXX. PLEASE INVESTIGATE AND RESOLVE THIS MATTER, AS IT IS RUINING MY CREDIT SCORES.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Holdings, LLC (SC)

this debt collection agency furnished my nonpublic personal information to the consumer reporting agencies without permissible purpose : written instructions of whom the consumer relates and without my prior consent to reach out to me in regards to a debt. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The acts of furnishing my nonpublic personal information without permissible purpose is an invasion of my privacy, damage to my character, my reputation and my livelihood This debt collection agency has no regard to consumer privacy and is in violation of multiple laws 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I demand this account be deleted without reinsertion CEASE AND DESIST
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (CA)

I leased the vehicule XX/XX/XXXX. Paid monthly on time sometimes even paid more than needed. Unfortaneyly in XX/XX/XXXX i get arressted and go to jail until XXXX the vehicule gets taken while i was in custody.. when i got it and looked it up it shows me that Lobel Financial charged off the account in XX/XX/XXXX and CLOSED THE ACCOUNT in XX/XX/XXXX as well.. They also recieved one last paynent of over {$2000.00} for the vehicule. Now a couple months after that they are continuing to add on $ owed to them and the collection owed amount has continued to rise, regardless of them closing the account and charging it off
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (IL)

I sent this company a dispute letter on XX/XX/XXXX with no reply or response in regards to the debt they are inquiring and reporting. They inserted an account on to my credit report on XX/XX/XXXX without validating or verifying any information.
Consumer complaint received 2024-04-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (CA)

Westlake Financial Services does not have a permissible purpose. This company has no legitimate business reason because I do not have a contract, nor have I ever done business with this company. And as per the Fair Credit Reporting Act, for anyone to furnish information on my consumer report a permissible purpose must be given. I have not ever given any of this company permission to report anything, nor have I had any contractual or business obligation with this company. They have used and possessed my information without my knowledge or approval.
Consumer complaint received 2021-03-20
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. (NV)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Account # XXXX is older than I am. I was born in XXXX this account shows open in XXXX according to XXXX XXXX. No open date disclosed according to Equifax. Not that any of the receding information is necessary but still in all provided more valid reason for deletion. The phone number for alleged account is a non working number. The account history contradicts itself. It shows 100 % on time payments while simultaneously stating 90 days late 16 months consecutively. I am requesting that this account be deleted immediately from my report it is obviously not mines. If not I will take legal action.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/XXXX XXXX released a refund in the amount of {$91.00} and when you call XXXX XXXXXXXX XXXX they state the have a heavy call VOLUME and then it says they are closed. I contacted them online and received a message to inbox them. I did that on XX/XX/2020. Thousands of people are getting the same message on XXXX and they aren't responding to anyone. I want the credit to my account. XXXX also sent me proof they did the refund.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Key 2 Recovery, Inc. (IL)

I'm writing to complaint to KEY 2 RECOVERY INC about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

My name is XXXX XXXX. I am a XXXX XXXX, so money is tight. I can't go a week without having access to my money, but I have had to do so XXXX  since opening my account with Citi just in XXXX. XXXX! They have XXXX my account and taken away access to my cards anytime they have been unable to verify a charge. Keep in mind, that none of these charges have ever been fraudulent. I wish I would have never opened an account with Citi. They don't care about the well-being of their customers. My well-being has been at risk of not having access to my own hard-earned money. It is horrible. When I call them to verify the charges, they " can not verify my phone number ''. It is so XXXX because I have accounts at XXXX and they are always able to verify my phone number. When I ask them for help to see what I can do with the issue, they hang up on me and tell me that they can't answer my questions. Ridiculous. I called XXXX XXXX XXXX, my service provider, and they said the phone shows up in my name, so they can't understand why Citi can't verify it. IT IS CITIS ISSUE, NOT MINE. THEY need to fix the issue, NOT ME. Next, they told me that since they couldn't verify my phone number I would have to wait a week for something to come in the mail with a letter code. This morning, I went to the mailbox and immediately called Citi because I desperately need access to my money. When I called, they said that the letter code is not enough information, and that I will need to wait for them to send me another document. I CAN NOT WAIT ANOTHER WEEK..POINT..BLANK ... PERIOD. If I don't get this resolved within the next XXXX hours I will be closing my account with Citi. HAPPILY.
Consumer complaint received 2021-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (SC)

My personal information was given to this 3rd party entity CONVERGENT OUTSOURCING, INC. that I do not even know or have never had any consumer transactions with them. I received written correspondence from CONVERGENT OUTSOURCING, INC. on XX/XX/2021. They are contacting me about an alleged debt that they say I owe. I have already sent written correspondence about this matter. I feel as if I have been violated which is not a good feeling. Just imagine someone taking something from you without your consent. What would you call that? How would you feel? What would you do? You would probably be doing what I am doing and more. I am so sick and tired of being taking advantage of. Especially when someone is willfully and knowingly taking advantage of me. Enough is Enough.
Consumer complaint received 2021-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NJ)

I attended this school for a program which was supposed to be almost a 2 year program the school was paid the entire amount of the program which makes no sense i then had car problems when my car broke down and was not repairable i had to get rid of the car get a transffer from my job back to XXXX I could not finish the program the entire amount of the payment was kept by the school i was never refunded anything money I have tried to work something out with navient other then getting harrasing phone calls and no assistance they tried telling me I could sue the school and try to get my money back. I was not able to complete my course I was only able to attend about 4-6 months of the program
Consumer complaint received 2021-03-20
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)

I have sent Transunion several disputes to get inaccurate items off my credit in which they fail to correct errors and never return my green return receipt showing they received my letter certified mail Transunion shares my information with out my written consent they also never received my written consent to report anything about me which is illegal and identity theft every dispute I send in if they acknowledge it is always verified which is not accurate cause laws states that the consumer is the only person who can verify a debt so how is XXXX XXXX or these alleged creditor able to verify alleged debts for Me when 15 u.s.c 1681 clearly say that the reporting agency are supposed to to confirm everything with me the consumer before reporting it but this company breaks the law cause of the money they receive from these alleged creditor who pays them to keep control of the consumer 1681a ( 2 ) ( b ) state that no comsumer credit transaction made with my credit which is my social security card should be a private transaction but yet in still Transunion reports this information then tell me lies or give me false information on why they can't delete meaning they fell they are above the law cause they want to keep receiving money for illegal activities which has cause me personal financial injuries
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MA)

XX/XX/19 - I went to a pizza restaurant called XXXX XXXX XXXX XXXX XXXX, located in downtown   XXXX, Massachusetts. My total was {$11.00} and I tipped {$1.00} at the cashier. 

XX/XX/19 - After my pizza transaction posted, I noticed that the amount was for {$110000.00}. It appeared that the pizza cashier had fraudulently entered the pre-tip and post-tip transaction amounts as one amount. This was greater than my ~ {$32000.00} credit limit with my Chase credit card. I called the merchant and they were shocked. They immediately processed a return. I then called Chase and explained to them what happened. The agent let me know that they could see the return and that it would process soon. 

XX/XX/19 - My billing cycle ended before the return was processed. My outstanding balance totaled XXXX {$110000.00}. This was many times greater than my credit limit, yet Chase still allowed this transaction to process. 

XX/XX/19 - The return from the merchant was processed. My outstanding balance returned to the appropriate amount. 

XX/XX/19 - I checked my credit score using the XXXX XXXX XXXX  app and the Chase Credit Journey tool. Both showed a credit score in the high 500s. This is 200+ points LOWER than my credit score had previously been. I called Chase to report this and they asked me to call back the following day when the credit specialists would be available to take a call. 

XX/XX/19 - I called back and the credit specialist said that they would send an overnight letter to the credit bureaus detailing my updated outstanding balance. I am not certain that this will " make me whole '' in terms of my credit profile, as there may be historical components to credit score calculations and the erroneous $ XXXX transaction is not being expunged from my record entirely. Instead, Chase is just updating the current balance.
Consumer complaint received 2021-03-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

My XXXX payment was processed on XX/XX/2020. The company 's response is that they received a payment on XX/XX/XXXX and then a phone call asking for the payment to be reversed. If that is the case then there is an unauthorized user on my account. I did not call and ask that a payment be returned to me, I have no record of a payment on XX/XX/XXXX. I am concerned that there is a problem with account security or the company is mixing up my account with another. I first submitted a complaint because I was receiving communication about a missed payment when their automated system had record of the payment and I confirmed the funds were collected from the bank on XX/XX/XXXX. The company 's response is not matching the bank drafts. I have never had a late payment. I would like a detailed account history and the company to research this payment that they state was made XX/XX/XXXX as well as where they sent the payment they state they reversed. I have not received any such reimbursement nor have I requested it. If there was a disbursement made on my account I am requesting that they provide information on who the disbursement was made to, where it was sent, and how they could release such payment without my authorization.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My information was XXXX XXXX XXXX  illegally beacuse I was a victim of the XXXX data breach, XXXX data breach, XXXX data breach and XXXX  data breach. My XXXX  card was linked to these companies data. 
My checking account was charged fraudulently through XXXX securities with the amount of {$3000.00}. 
I want to request a refund for the dispute claim number XXXX. 
XXXX investigation of the claim was completed and the claim was denied due to authorization and/or participation in the transaction activity. 
Please help me fix this illegal charges on my checking account.
Consumer complaint received 2024-01-29
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 (CA)

I have tried to use my prepaid American Express gift card several times and can not use the balance left. I have tried to make purchasers at several retailers, in person and online, and the card is always declined. I have verified the balance but the card still doesnt work.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I wanted to buy tickets from an event on XXXX. I bought XXXX tickets for a total of {$300.00}, the transaction did not go through because they said there was an error with my payment and to retry it. So i typed in my card again and retried it and it was successful. Hours later i get a notice from my back for a second charge for {$300.00}, for an additonal XXXX tickets. I did not authorize them to charge my card again later for XXXX more tickets that i do not need. They refused to refund me saying all sales are final, which i understand but i did not authorize this second charge for XXXX more tickets. I started a chargeback with my bank Capital One and they denied my chargeback. Capital one has refused to communicate with me, i have been banking with them for XXXX  years and this is how they treated me. In the XXXX  years ive been banking with i have never issued a chargeback this is my first one and they denied me. Taking the side of XXXX who has a history of doing this to other people, just XXXX  it .So now im out {$300.00} for tickets i did not need, did not authorize to purchase.
Consumer complaint received 2023-05-11
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. (LA)

I've previously Disputed 6 inquiries on my EQUIFAX Consumer Files. 1 they seemed to have removed. 2 I called XXXX to have removed. 3 still remain even after multiple faxes, letters and Identity theft verification for Deletion. 

They are in violation of 18 USC 1028a 1681n 1601 1681b2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Due to a recent ID theft incident. I tooks steps to ensure a freeze was placed on my reports at the three agencies XXXX XXXX XXXX Experian XXXX. I had no problem with freezing my report with XXXX and XXXX online. In each case it took less then 15 minutes. 
Experian makes the process difficult and uncomfortable. I was unable to freeze my credit online ( XX/XX/2020 XXXX Instead, Experian requires that I mail personal information ( name, address, social security number, copy of government ID, copy of a police report. ) I find this method overly restrictive and risky. Providing this information thru their online portal was not offered as an option. 

I contacted them by phone XXXX XX/XX/2020 ) but there are only automated services available. 

At the same time, Experian wishes to sell me a subscribed protection package, of course for a monthly fee. ( What a racket!!!!!! )