davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MA)

XX/XX/2022 American Express To Whom It May Concern, I am a XXXX XXXX XXXX, semi-retired XXXX. I have carried an American Express card for some XXXX years. I have always been loyal to the brand throughout that time and had an exemplary record of payments and interactions. I felt that American Express 'Had my back ' throughout that time. I am currently on vacation in XXXX XXXX for XXXX weeks. I have used my business card several times for expenses, including internet services. Yesterday I received an email notice from Amex that my account had been CANCELED. I have always made payments on time and significantly higher than required. To my knowledge, there were no issues that could have prompted this action. I feel betrayed. I feel that American Express has no regard for my loyalty, and further, has no respect for my age. If this be true, I simply want ANSWERS Today, I spent more than XXXX hours on the phone and on hold only to be disconnected when required 'team ' member picked up. When I called back, I was told that I would have to be re-connected to the 'special team ' for resolution but that their 'system ' was down and it would be another extended wait. I opted to use online chat and asked to be connected to the relevant " team ''. I was told to call back. 
On XX/XX/XXXX of this year, I was notified by American Express, that another fraudulent payment had posted to my account, with XXXX balance for {$50000.00}. I immediately chatted with Amex XXXX, since it was after hours, and was told to call back in the morning, which I did. After spending several hours on the phone with no less than XXXX employees, I was told that the issue would be investigated and resolved by XX/XX/XXXX? Please note that XXXX was the day that the initial investigation was to be concluded. 
I intend to pursue these unexpected and unreasonable action on the part of American Express in any manner possible including social networks, government agencies, and potential legal actions of age discrimination. Your prompt and diligent effort are appreciated. 

Regards, XXXX XXXX XXXX : XXXX  XXXX XXXX CFPB, XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, 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 noticed a few accounts and inquiries on my report that I do not recognize XXXX XXXX  XXXX XXXX XXXX inquiries from XXXX XXXX which makes no sense at all XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXl, XXXX, XXXX
Consumer complaint received 2020-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO Bank, N.A. (NY)

Consumer Financial Protection Bureau cc ; BMO Harris bank XX/XX/XXXX Dear XXXX I XXXX XXXX opened online a checking account # XXXX with BMO Harris Bank an account on XX/XX/XXXX with initial deposit of {$50000.00} via ACH from my account at XXXX XXXX in XXXX NY where I reside. 
On XX/XX/XXXX I requested thru my Account login at BMO Harris Bank to close my account and mail me a check to my name and mail it to my address, in return I was told to do it thru a secured procedure I have tried several time but the procedure does not get completed. 
Attached is the screen shots of various tries to send them the documents they requested but could not complete the transfer. 
I requested several times help from the bank to assist me but mysteriously I get disconnected, from my 20-30 calls that I initiated to the bank for the last 15 days I could not get the same person and can not get the procedure completed to their satisfaction. 
I tried to get back my money thru a ACH transfer to the same bank where BMO Harris Bank received the fund from. 
I believe that BMO Harris Bank is trying to prevent me from taking out my money in a very unfair disgusting way. Some of the persons who answered my call were very rude to me and refused to help me they just hung up the phone on me. 
I am attaching my notarized drivers license with the notarys Business Card. 
I am attaching copies of several checks that I received the last 2 weeks, just by making a phone call. 
I am attaching my current checking account where it shows several ACH transfers. 
I demand to get my money from BMO Harris Bank ASAP XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-21
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (FL)

I got a phone call from XXXX round lp regarding my debt to Synchrony bank FKA GE capital. when I asked for original debtor information in writing I was told they would not provide that. Now they have turned me over to an attorney for lawsuit. And continue to harass me about payment, up to and including threatening myself. I wish to have my total debt amount in writing so I can make payment arrangements.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (SC)

Monterey was taking money out of my bank account frauduently, I disputed with my bank and they paid me every dime taken from this company. I contacted them to let them know way before I disputed with the bank. They have been taking money out ever since august so I reached them to let them know, they said I had to call a company called XXXX, which I did, to let them know I don't have any products from them. 
Monterey rep called me on my business line and my personal phone asking me for payment, then they started emailing me about a debt twice and that I have 48 hours to respond ..... I sent them a cease and desist to stop. They then reported a late payment to my personal credit dropping my scores. 
This is a violation to report a fraudulent account on my consumer report 15usc1681b no permission to place on my consumer report. I submitted a FTC report as well to the 3 agencies. 
Where is the wet ink signature to validate this debt?
Consumer complaint received 2021-12-17
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. (IL)

To EQUIFAX : I am tired of dealing with your lies and manipulations of peoples lives. I have filed a dispute several times with your company involving a Bankruptcy Public Record incorrectly reported on my Equifax credit report. The updated Equifax report shows Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX stating they dont report bankruptcy on my consumer file. You have also listed the Agencys contact info as the XXXX XXXX XXXX. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my release authorization bearing my signature. In the meantime, to fully comply with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond satisfactorily within 30 days of this letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

I am as a result of this demanding deletion of the above account from my Equifax file under 15 USC 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion. 

I have previously disputed this info with the CFPB, but there was no Equifax response. The CFPB states that the complaint has been resolved, but Equifax has not yet sent me any results or a confirmation.
Consumer complaint received 2024-02-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights 15 U. S. C 1681 section 602 A States I have the right to privacy.

15 U. S. C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: VW Credit, Inc (MO)

I purchased the vehicle in XX/XX/XXXX in the amount of {$8000.00}. It's been ( 3 ) years and I still have a balance of over {$10000.00}. I'm paying {$350.00} per month. I've never missed a payment. I've already paid over {$10000.00}. The loan was differed ( 3 ) months in XXXX in the beginning of the pandemic. How can I possibly restore my credit when I have Volkswagen not having a arbitration policy or any way we can come to some type of consensus. This is just highway robbery. I need your assistance in resolving this matter.
Consumer complaint received 2024-02-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (FL)

XXXX XXXX XXXXXXXX? XXXX & XXXX % XXXX % XXXX & XXXX LoanCare , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX We have provided everything they have asked for them they come up with another excuse why they can't release our money.
Consumer complaint received 2022-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

I bought a car through XXXX on XX/XX/2021 which I financed through USAA. The contact info for XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX ( XXXX ) XXXX and ( XXXX ) XXXX Fax. The amount for the car was listed at {$43000.00} before I requested tax, tags, and title pricing to be added bringing the total amount due to {$47000.00}. It has been a total of roughly five months and XXXX has yet to cut me a check for the amount of {$3300.00} which I am owed. I have contacted the company at least sixty or more times about this and it is yet to be solved. It seems as if they have decided to take my money from me. Please help me. ;
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC (TX)

After Checking my credit report from XXXX on XX/XX/XXXX I noticed that WAKEFIELD AND ASSOCIATES IN XXXX TENNESSEE ADDED 7 Collections to my XXXX Credit Report on XX/XX/XXXX, 5 of those collections were for Duplicate Amounts of {$510.00}, XXXX other 2 were for {$760.00} and {$1300.00}, All of the accounts were listed as opened in XXXX of XXXX and the Original Creditors are listed as XXXX XXXX XXXX of all I HAVE NOT BEEN TO A CIVILIAN HOSPITAL IN OVER 2 years, Secondly I am a Veteran and receive mostly all of my Medical care through the Department of XXXX XXXX XXXX XXXX  THE INFORMATION THAT WAKEFIELD AND ASSOCIATES IS ERRONEOUS AND CAUSING ME IRREPARABLE HARM AS WELL AS POSSIBLY CONTRIBUTING TO CAUSING ME A FINANCIAL HARDSHIP SINCE I WILL POSSIBLY HAVE TO PAY SOMEONE LARGE AMOUNTS OF MONEY TO HAVE THEIR ERRONEOUS REPORTING CORRECTED.
Consumer complaint received 2024-02-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Ygrene Energy Fund Inc. (FL)

Pace loan approved by YGRENE XX/XX/2022. Work completed, paperwork submitted. Refused to pay vendor saying out of funds. Offered financing at a rate triple what was agreed upon. Bait & switch. After funding restored they still refuse to pay vendor. Lean put on property by vendor. My wife is a XXXXXXXX XXXX  & I am retired. We are on a fixed income.thats why we went with a pace loan. We feel targeted.
Consumer complaint received 2021-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To : The XXXX XXXX XXXX XXXX for LVNV FUNDING LLC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 


You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank XXXX. is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX  private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by XXXX mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (FL)

Upgrade Card XXXX. On XXXX XXXX I called to close the account I was advised they could not because there was a balance. I paid off the account while the representative was on the phone. The funds cleared my XXXX account on XX/XX/XXXX. I then had to call again to close the account, which was not done. Then I was told on XX/XX/XXXX they state the account was closed. I went to my credit report to dispute the account as paid off and closed. Upgrade on XXXX confirmed with XXXX that the credit limit was not XXXX like previously reported but XXXX and the balance owed was XXXX. I have called several times to close the account. I open the app and says the account is active. I have also mailed the card back to close the account and advised Upgrade Inc to have no more electronic notices or information. Upgrade Inc. is still sending everything electronic and will not mail. Now the account shows my new due date of XXXX XX/XX/XXXX. I do not know what else to do to close the account. XX/XX/XXXX I called and spoke to XXXX who hung up on me after asking for a supervisor XXXX because XXXX was leaving in a minute, and not supervisor was there. XXXX stated there are notes on the account and it was escalated but nothing happened. XXXX XXXX responded to my email that I needed to call in about closing my account. I have emailed, called, sent letters nothing happens and Upgrade Inc. still reports the account incorrectly and confirms that it is right but the information is wrong.
Consumer complaint received 2022-02-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX  XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX {$5000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

AFTER MANY TRIES TO CLOSE MY CREDIT CARD, BANK OF AMERICA WOULD NOT SPEAK TO ME OR MY POWER OF ATTORNEY! IT SEEMS THAT THEY HAVE A PROBLEM WITH MATH AND INTEREST COMPUTATION WHEN IT SHOULDN'T BE BECAUSE I MADE ALL PAYMENTS BEFORE THE DUE DATE? I BELIEVE THAT THEY NEED TO BE AUDITED! i WANT THEM TO RESPOND TO MY LETTER WITH THEIR REASON FOR NOT CLOSING MY ACCOUNT CORRECTLY AND TIMELY. THIS HAS BEEN GOING ON SINCE XX/XX/2021.
Consumer complaint received 2018-03-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Investors Servicing Corporation, Atlanta, GA Branch (IL)

Date : XXXX|15 Amount : XXXX XXXX XXXX XXXX XXXX violated my consumer rights according to the Fair Debt Collection Practices Act. The two sections they violated are 15 U.S. Code 1692e - False or misleading representations and 15 U.S. Code 1692f - Unfair practices. 

They served me a summons with the WRONG NAME which is misleading and false. It is also an unfair practice collect a debt! I have taken them to court to get it removed. Because i was a co-signer, and my brother filed for bankruptcy, the judge stated it was out of her courts jurisdiction. 
Can you please help me remove this due to the fact they violated some Fair Debt Collection Practices?
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

My husband and I cancelled our credit report freeze on Monday, XX/XX/XXXX with Equifax.

As of close of business last night, Thursday XX/XX/XXXX our credit reports remain locked and frozen. XXXX XXXX XXXX has been trying for 3 days to pull our scores and only get a locked message. 

When we call Equifax Credit Freeze Dept at XXXX we get sent to someone with a barely understandable accent who only repeats that our credit is unlocked, and there is no one else to talk to. 

When we ask for an email to prove they have unlocked our credit scores, so that XXXX XXXX XXXX can contact their Business Dept with proof they will not provide it. 

XXXX XXXX XXXX has been told by Equifax Business Dept that they can no nothing unless there is proof from US the consumer that EQUIFAX has unlocked our credit score! And Equifax will only MAIL in 7-10 days a statement saying it has been unlocked.

This is completely obnoxious, and offensive that they block and then refuse to assist without proof that THEY won't provide in a timely manner. 

We stand to lose out on purchasing a business property because of this delay and terrible lack of service. 

Doesn't ANYONE oversee Equifax? 

There is no PROOF of their complete lack of service since they refuse to give any without a 7-10 day mailing period.
Consumer complaint received 2024-02-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

This is the Second Attempt at having my fafsa student debt removed : i was incarcerated from XXXX and on my credit report i have XXXX XXXX XXXX debts. The date of the debt is in XXXX i definitely did not go to any school in 2019 for i was in prison for XXXX  years around that time. This is not my debt. 
date opened : XX/XX/2019 ( for both ) ( was actually a week and a half after my second trial procedure ).
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.