davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: XOOM CORPORATION (AE)

TOTAL DEBT : {$100.00} I owe to them for sending money using their services THEY CLAIMED I have been getting phone calls and emails from www.xoom.com attempting to collect the above debt. 
They have blocked me from my account and I have not been able to log in for the past 30 days. 

I have called and email them several times this week : XXXX to XXXX XX/XX/2021, only to be asked for information from my account only to tell me it is wrong, but fail to provide any other way to give me access to my account so I can pay off the above debt. The phone attendants from the PHONE CALL CENTER continue to act like they have no idea who I am and tell me my information is incorrect only to deny me access to my account or even pay OFF THE DEBT OF {$100.00}. Yet, I continue to receive emails threatening me to report me to a credit collection agency and stating that I should call this number immediately : XXXX. Every time I call the number, they run me through the same loop again, questions after questions and they claim none of my information is correct and therefore they can not even take my PAYMENT for the collection of this debt. I have talked and called 7 times today XXXX XX/XX/2021 and THEY give me the same threatening conversation. 

I, XXXX XXXX XXXX, have been a customer for over 10 years with this company and now they refused to help me and actually pay what they claim is a debt I owe them. I am willing to pay it but I am afraid they will report me to a credit collection agency on purpose to hurt my CREDIT HISTORY and illegally charge more money. my email address is : XXXX, my phone number is XXXX ... .I am a XXXX serving the United States XXXX XXXX and of course they my already know this and may be attempting to fraud me. I can not believe this is the way they treat loyal dedicated customers like me after 10 years of membership. I believe other XXXX like myself may be undergoing same similar situation as every time I call their service phone center, the ladies there even laugh at me since they knew they were just not GOING TO HELP. 
I have been harassed, laughed at, lied to and given the wrong information since they keep on denying me access to my own account I held for 10 years.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

To Whom It May Concern, This account was charged off in XX/XX/2018. It is to my understanding that a charged off account should not include an active payment history. It manipulates the date of last activity. Please delete this account. Best Regards, XXXX XXXX
Consumer complaint received 2021-08-12
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. (CO)

I have a false collection on my account. XXXX XXXX XXXX has never been verified, and the amount determined due to the orginal creditor in court was XXXX dollars.. When I contacted XXXX XXXX XXXX by certified mail, they never responded. However, the company continues to send a fraudulant spreadsheet to companies such as each credit bureau and CFPB claiming that I owe money that is not owed. THEY HAVE NO PROOF THAT I OWE THIS MONEY. I have proven multiple times that the spreasheet they provide is incorrect and does not include things like cashiers checks that were paid to the orginal creditor. I have contacted the credit bureus numerous times as this negative amount is ruining my life. I am unable to get a mortage or have access to credit as this predatory company is destroying my life. I am now suing the orginal creditor in court for their actions that have completely devasted my life. Please help by stopping these companies from reporting inaccurate information that is ruining the lives of people.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (MI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-08-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

Mid America Mortgage finally accomplished a new loan modification agreement which we signed at the end of XX/XX/XXXX. This took almost an entire year due to issues that they had with prior servicing company which ended with the other company barely giving notice and dumping all of the loans onto Mid America when they were not equipped to handle the load. Unfortunately for us, our loan was in the middle of a modification to our original loan. There were errors in the modification terms and Mid America sent them via messenger along with rest of modification. We chose not to sign that day due to questions about the price of modified loan. I followed up with XXXX XXXX literally I emailed him almost daily and I could not get a response. 6 months later after speaking with many people that work in different departments, I finally talked with someone who actually listened to what I was pleading. We did not refuse to sign and that was their reasoning for moving forward with foreclosure, they agreed to give us another modification which was signed in XXXX XXXX our XXXX payment was due in XX/XX/XXXX & I checked my account login and I was not able to access my online account & also be able to pay my bill there electronically. I began trying to reach them by phone and the hold times were & are extremely long. After several attempts, I decided to go ahead and mail the payment overnight to the P.O.Box, to get there on time.In XXXX, I sent several emails requesting that my password be reset as instructed and also requesting the loan modification dept to call me. I finally received a call and set up payment and during the time we spoke and the time they were to deposit the payment, my checking acct was compromised. I had to close account and I could not get through to them to ask them not to run check through that bank acct. this was urgent. I went to the bill pay tool on my new bank account and set up reoccurring payments in XXXX XXXX and they sent the new check. A couple of days later, I received a phone call from a female rep and she asked me what was happening and I explained all of the trouble I was having to get through to get my payments to them so she said she reset password link and ended call. I tried immediately to set the new password and it did not work. I tried to call back but didn't have time to hold. Then on XX/XX/XXXX I rcvd a call from XXXX. He worked on the loan mod and was familiar with our file. I gave him the XXXX # XXXX from the payment the bank sent and he asked me to cancel the one for month of XXXX and he would set it up to pay on his end. He gave me his confirmation # XXXX for {$2100.00}. Neither one of these payments has been presented against our bank account for payment and I am afraid that they are doing something to make us lose our home because they have made it so difficult just to make our loan payment.
Consumer complaint received 2021-08-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Westlake Services, LLC (NV)

For the last three years I've been making payments to a company called Honor Finance through a wage garnishment writ. 25 % of my bi weekly checks have been getting drawn out of my account, which in total is {$9400.00}. I sent a cease and desist letter out to XXXX Corporate Offices, as well as the Office Of the Ex Officio ( Whom are enforcing the garnishment ) on XX/XX/XXXX of XXXX to advise to no longer withdraw money from my account. My Garnishments started in XXXX of XXXX and are still going til today. I paid over market value and when I contacted the Lawyer on the case and he advised that my payments should have stopped in XXXX of XXXX.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I have had a traditional XXXX AMEX card since XXXX. I have received many offers over the years to upgrade to the XXXX AMEX but due to higher annual fees and other issues I have never upgraded. In XX/XX/XXXX I received an offer through my online account to upgrade to the XXXX AMEX Card. It was an automatically approved upgrade so wouldn't result in a credit pull and the promotion that got me to upgrade was {$1000.00} spent in the first 3 months of the upgrade would get me XXXX Membership Rewards Points. Since I knew I was going to be purchasing a new laptop I thought this was a good deal and decided to upgrade. I even have a transcript session with AMEX live chat where I confirmed the specifics and when I had to complete the {$1000.00} in purchases by. I completed well over {$1000.00} in the three month time frame but my Rewards Points have not been added to my account. It has now been two months since the purchase and I contacted AMEX last month to find out the status. The agent said he could see the live chat confirming the details and that he could see the promotion, but for some reason it didn't show it had been earned. It was pretty simple - spend the amount in three months and get the Rewards Points. So he was sending to the back office. But he said that could take well over a month for review and I was responsible for getting back to them. I have never heard back or gotten the points. In the meantime I have been reading complaints and reviews and see that AMEX has an apparent history of not following through on promotions - even when it is clear they were earned. There are all sorts of people that received financial payouts because they never got their points for promotional offers and closed their cards - AMEX just saying it was a glitch in their system. Shame on AMEX. A card with a reputation of being only for higher credit scores and loyal customers - yet they don't follow through on their own promotions. I had to pay a higher annual fee for this card which I wouldn't have done had I known they were not following through on the promotion. That is all I want - my promised reward points. And maybe a few extra for the time and effort I have had to devote to trying to get them. The XXXX XXXX XXXX is a beautiful card - let 's just hope AMEX can come through on this.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I've always been diligent in making sure payments on this account are made on time, preventing any instances of being overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are necessary.
Consumer complaint received 2021-08-07
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  XXXX on XX/XX/XXXXXXXX  ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-07-27
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: Experian Information Solutions Inc. (FL)

HELLO, I AM INQUIRING ON THE NEGATIVE ACCOUNTS THAT ARE STILL CURRENTLY REMAINING ON MY CREDIT REPORTS WITH EXPERIAN AND XXXX. I'VE HAD ALL THE XXXX  ACCOUNT REMOVED DUE TO INACCURATE INFORMATION AS WELL AS THE XXXX  XXXX  ACCOUNTS WHICH DO NOT PERTAIN TO ME. I DEMAND TO KNOW THE REASON WHY XXXX  AND EXPERIAN HAVEN'T SENT ME ANY CORRESPONDENCE REFERRING TO MY INVESTIGATION WITH THEM AND I HAVE YET TO RECEIVE A RESPONSE AS TO WHY THOSE REMAINING ACCOUNT ARE STILL REFLECTING. I'VE SENT THEM A LETTER IN ORDER TO DISPUTE THE INCORRECT INFORMATION AND NEED TO KNOW WHY ... ...
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

My Account has been locked due to my weekly unemployment benefit I'm currently receiving from the State of New York. I've attempted to resolve the issue with Chime & have my account unlocked but all my efforts have so far proven abortive. I've provided Chime with my Unemployment Benefits Approval Letter, State ID as well as Proof of Address as of XX/XX/2021 but Chime has refused to unlock my account. Please kindly assist me in unlocking my account & retrieving my trapped funds being held up by Chime. 

Such actions by Chime constitutes a clear violation of Banking Laws. If Chime continues to lock my Account, I'll have no other option but to file a Lawsuit against Chime at the United States District Court for the XXXX District of New York inorder to recover my funds.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-08-07
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: Resurgent Capital Services L.P. (LA)

XXXX  deleted lvnv funding and they two weeks later added back to the credit file, this a clear violation of the FRCA and FDCPA!
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

A charge of {$240.00} was made to my Credit card account on XXXX XXXX. I became aware of the fraud when I received a box of XXXX pills in the mail. I called synchrony Bank and found out the charges were made on this account. I also found out 2 other fraudulent charges were also made. I was the victim of fraud/identity theft and did not make/ authorize any of those charges. Synchrony Bank did not say anything about me returning or keeping the product, but I did attempt to. I was unusable to locate an address for return, but found a phone number on the invoice. When I called it I was told they were a distributor of many products and would need more information from me. As my identify/information was already compromised, I refused and hung up. Since I was unable to return the product and was distraught, I threw the pills away. The bank did open up a claim review, but is holding me liable for the purchase of the keto pills as the purchased item ( s ) were shipped to your address and you authorized, participated in, or benefited from the purchase. Yes it was sent to my home, as this was part of the stolen information, but in no way did I authorize, participate in or benefit from the purchase. I would never take such an item! I explained this to them. I am being victimized twice! Once by the fraud and once by the bank who is suppose to protect my information and me from fraudulent purchases.
Consumer complaint received 2021-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

My name is XXXX XXXX XXXX.I have been fighting with Credit Control Corp about a collection that has been on my credit report. The original creditor is XXXX XXXX  XXXX. The original date was XX/XX/XXXX. The past due balance is {$77000.00} This bill does not belong to me. My deceased husband was taken to that hospital when he had a XXXX. I have never been a patient at XXXX XXXX  XXXX. My husband died on XX/XX/XXXX, 2 months after his hospital stay at XXXX XXXX. I have called the billing department on numerous occasions trying to resolve this issue. I have also submitted disputes on this matter with no resolution. No bills have ever been mailed to my home from XXXX XXXX  or Credit Control Corp with the amount {$77000.00}
Consumer complaint received 2021-07-28
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: I.C. System, Inc. (CA)

On XX/XX/2019 I C System, Inc. added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, I C System, Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-02-06
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

I am at my wits end here with XXXX XXXX XXXX! I have sent them several letters for them to validate this alleged debt they keep trying to collect and continuing to report to the credit reporting agencies, which is severely damaging my credit files and scores. Every time, they send me some bills from Amazon not providing me any legal documents, including any original contracts or anything. 
To make matters worst, they keep providing me some bills that shows a total different amount from what they are stating that I allegedly owe them and trying to collect. Let 's not forget that I never even knew about XXXX XXXX XXXX before I saw that they are reporting this negative account on my credit report. 

Their own documents states, " it is not an attempt to collect a debt ''. They keep ignoring me, stalling me, and completely violating my rights and the law. This is attacking my character and is causing me suffering and pain. 

I need them to immediately close this account and delete them it from my credit reports. This is absolutely absurd!!!
Consumer complaint received 2021-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingPoint Holdings LLC (TX)

Sent payoff in to payoff my personal loan. The payoff was received on XX/XX/21 but they waited to post the payoff after they received my ACH debit for the XXXX payment then paid the loan off instead of sending my monthly payment back. Lending point kept most of my money between the monthly payment and the payoff. I have all the documents to prove something isn't right with this loan transaction. Loan number XXXX. I would like my rightful amount returned to me.