davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CA)

On XX/XX/XXXX we received a XXXX XX/XX/XXXX XXXX we received a collection letter from Amsher for {$2000.00} we filed a dispute as the amount was incorrect. The amount was looked at by t mobile and they removed the balance that was disputable and updated the amount to XXXX however Amsher never sent a letter or called about the updated amount, therefore we could not pay it since we didn't know the actual amount that had to be paid, instead this was placed on the credit report ( this is how we found out we owed {$1300.00} instead of {$2000.00} ) and this all could have been avoided had we received a phone call or a letter with the updated amount, and the amount that was credited. We paid the updated amount today without even knowing what was credited and if the amount was correct. We would like the amount placed on our credit report removed as we never had an intention of not paying, we just needed the amount to be updated to the correct amount. Please advise. In the collections letter there is a line item that states " if you write to us by XX/XX/XXXX. We must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. " We filed the dispute yet the updated amount was never provided to us in order to pay. We would like the item removed from the credit report as it has now been paid. 
In addition the telecommunications manager XXXX XXXX XXXX was very rude did not let me explain the situation and did not hear my concerns about not receiving the updated amount, he spoke over me on the phone and accused us of not paying our debts. I asked him to transfer me to another employee in order to pay due to his hostile customer service.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

CAPONE IS NOT SUPPORTING ITS CLIENTS AGAINST FRAUD. 
After conducting an audit of my credit card account, we identified a few transactions as possible fraud as the merchants/transactions are unknown. Contact was made with the credit card company on XXXX after researching for any records, concluded that the transaction are fraud. We are always told there is no time limit for fraud, we are supported by our credit cards fraud protection. THIS IS A LIE. 
Shortly after filing my claim I received notification that my fraud claim had been denied. We contacted CapOne again on XXXX to inquire why it was denied and was informed that because I made my regular payments and have been in good standing, these charges couldn't have been fraud. Case closed. Please note that I charge XXXX of dollars a month on my credit cards and may not always have the time to review everything but I do make sure I make my monthly payments and they are excepted every time. 
I requested to refile for reconsideration and was told after a claim is denied one time we no longer have the right to file again, not even for reconsideration! 
Requested an escalation to a manager and he repeated the same reasoning of the denial and stated it is corporate policy, nothing he could do. 
This situation is unacceptable, CapOne states they have no limit on fraud, this should be considered as misleading consumers. " Similar to a bait and switch '' Ultimately I am saddened by this situation and request that CapOne support me on this claim as it should and as it advertises. If I dont get the backing I deserve I will continue to file complaints with other agencies ( ie : FTC ) because if this is corporate policy, others should be made aware.
Consumer complaint received 2022-02-23
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: CITIBANK, N.A. (TX)

On XX/XX/2022 I received a notification from XXXX that XXXX  XXXX had made a request for my credit information. I have not made any application to, or otherwise attempted to do business this entity. I attempted to contact the company by telephone and spent over an hour in phone system XXXX. After that, I e-mailed thee customer service people at XXXX XXXX and on XX/XX/XXXX received a reply telling me to contact Citibank and providing no additional information. 

I have spent another hour trying to speak to a person at Citibank concerning this matter with no luck and this complaint follows. 

I am only seeking an explanation as to why this inquiry was made and verification that all my information has been removed from their system. I want to speak to a real person who can provide me with answers as to why they were looking at my information in the absence of any attempt by me to do business with them.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (FL)

After reviewing my credit file I noticed several wrong items that I require to be corrected. I decided to file this complaint for myself without the help of anyone. I am requiring that Experian, XXXX, and XXXX permanently remove the following from my credit file immediately. These accounts are not mine XXXX XXXXXXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Bankruptcy XXXX, XXXX, XXXX. There are hard inquiries that have shown to be on my file I did not sign for or authorized. Remove the following inquiriesXXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US SM BUS ADMIN ODA. There are also addresses listed that are to be removed such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This is a very old debt for which PORTFOLIO RECOVERY ASSOCIATES has issued XXXX XXXX numerous presentments. I have accepted their presentment for value on XX/XX/XXXX which, according to the rules of the UCC, puts me as the holder in due course. Instead of closing the account, XXXX XXXX XXXX has chosen to ignore the law and continued to issue presentments ( XXXX dated XX/XX/XXXX and another dated XX/XX/XXXX ) for the same debt, along with incessant phone calls ( 6 times so far just in the month of XXXX, XXXX ). No contract has ever existed that obligates me to pay PORTFOLIO RECOVERY ASSOCIATES anything, I am the holder in due course of this claim and I am on the National Do Not Call registry. This is a serious breach of the laws which lay at the foundation of our monetary system and I, as creditor and holder of preferred stock in the United States corporation, accepted this claim for value, as is my right for any unfounded claim such as this. As it is, this claim of {$950.00} is now owed to XXXX XXXX by PORTFOLIO RECOVERY ASSOCIATES. 
I would ask the CFPD and the Inspector General to investigate this matter and the abusive practices of PORTFOLIO RECOVERY ASSOCIATES. They seem to believe that they can ignore the law without consequence and continue to issue unfounded claims against anyone.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-04-14
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. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # - XXXX XXXX XXXX  acct # - XXXX XXXX XXXX XXXX acct # - XXXX XXXXXXXX XXXX  acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (TX)

I've requested validation & verification of this alleged debt and only received a non detailed statement of this alleged debt. I also requested the original signed contract " not copy '' in which I've never received I only received a computer generated copy of initials which could be copied and paste. Medicredit has failed to validate and verify this alleged which is a direct violation of FDCPA pursuant to 15usc 1692g that states in order to collect on a debt all items requested by consumers should be provided. This alleged debt constitutes fraud, I've also been contacted at place of work after I requested to not be contacted. Which are violations 1. Place of work 2. After I sent cease & Desist. Medicredit is alleging I XXXX XXXX owes a debt. This is erroneous and misleading the alleged debtor is XXXX XXXX which is not my name.
Consumer complaint received 2024-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AL)

Navient says my loan wasnt included in the lawsuit. When I asked how they determined that because the attorney sent me a claim which I submitted. The attorney website states that Navient should stop collecting on the amount listed in the discharged debt column on the claim submitted to attorney office. Navient keeps telling me they are researching my case but still keep billing me and wont provide any additional information. The attorneys office just tells me to contact Navient if they are still trying to collect on the loan. Nobody is still standing up or helping people like me who are still being railroaded by Navient. Navient is inconsistent with their guidance to borrowers- everytime you talk to a different person and they give conflicting information. They continue to reprimand me for contacting them using my co- signers login information, which Navient forced me to create when they suddenly transferred my loan to my co-signer due the lawsuit. After I filed a complaint with you, I was finally able to get the loan transferred back to me but Navient forced me to call in order to do that- so I had nothing in writing. I specifically asked on that phone call if I needed to change my login information again and was told no. Now everytime I send a message they refuse to answer my questions because I using my co- signer login. I dont want to change my login because I am afraid I will lose the history on the account. Navient has been jerking me around for years due to this lawsuit- they caused me extra aggravation when I all I wanted to do was make my payments. They refuse to communicate in a timely and professional manner and they know that the attorneys answer is to deal with Navient if they arent abiding by the terms of the settlement. The reason Navient keeps getting sued is because of this kind of shady business practices. I expect Navient to provide in writing the status of my loan and my balance owed after the discharge amount from the settlement is removed. If Navient doesnt intend to honor the agreement as dictated by the court settlement then I request a written explanation as to why so that I can share that information with the attorneys office.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE (MN)

Tried to use my debit card to pay gas, Sunday XX/XX/21. My debit card was declined. On XX/XX/21 I had one card debit go through, and was overdrawn {$20.00}, Huntington charged me 2 over drafts for 36 dollars each for being {$4.00} over the 50.00 limit. I called was told I should have been charged only one. Had to call waited 45 minutes for that discussion with the bank. 
Have pending amounts on my account that take a couple of days to go through, but they put another hold on my account for XXXX for prescriptions denied on pending transactions. XXXX XXXX XXXX, had  XXXX on Friday, 2 month ago in urgent care for blood  of XXXX. Finally got it regulated. Called bank, no customer Service, available, would call me back in one hour and eight minutes. Left the pharmacy without medication. I have a agreement they pay debit card purchases if even over drawn. They instead just deny the purchase and card. I asked about this, on Sunday was told any agreement between me and the bank is at their discretion. They changed cash advance this month, only available if you keep a balance of 200.00 in your account. 
They was changed without sending out notices to customers. Before no balance was required. No reliable customer service, Taking alot of the day just to talk someone. 
They're advertising for bank is disceptive, state what they offer, and change it with little to no notice, or say it's at their disgression. 
Talk to a customer service supervisor, who claimed they used to work for TCF, asking him what was going on, he was belligerent, Rude and told me they could charge as many over drafts on the account that they wanted up to 6 a day at the banks disgression.
Consumer complaint received 2022-02-23
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. (NC)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2022-02-23
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. (NV)

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, have 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 2022-04-14
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 (CA)

The merchant ( XXXX ) billed me {$170.00} on XX/XX/2021 and another {$170.00} on XX/XX/2021, but agreed to refund me a total of $ XXXX {$350.00}. However, Paypal credit card ( XXXX ) from Synchrony bank only credited back {$170.00} instead of {$350.00} as of today. I have started dispute more than 3 times over the last 6 months without any success. Their dispute process is not only inefficient but also extremely slow. Please demand Paypal to refund me the remaining {$170.00}. Thank you very much! 

XXXX
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (OR)

Discover Bank lowered my credit limit from {$8500.00} to {$6000.00} while the balance was {$6800.00} and they only informed with regular mail, which they sent to my previous address. All other communications are paperless, payments, alerts, except the information that directly affects my credit rating. I found out about it when my card stopped working. I asked them to reverse the over credit limit status since I had not spent over my credit and they refused. I have never missed a payment and I request that Discover Bank be found in violation of reporting requirements, so that I can attempt to be restored.
Consumer complaint received 2022-02-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

On XX/XX/2021, I filled room inquiry through the online form at XXXX XXXX website, asking availability for a room with bathroom for XXXX person ( XXXX adults and XXXX kids ) for one night stay of XX/XX/2021. 

Instead of giving us a price quote, the hotel XXXX asked our credit card information and said they will not be able to confirm the room without credit card information. After I sent them my credit card information, they replied that our reservation is confirmed, but they never sent us a formal confirmation with specific room types, total room charge and cancellation policy Partially due to the reason that I never received their booking confirmation information, I did not cancel this booking. And XXXX XXXX charged me {$450.00} for XXXX night stay as no show. I do not agree upon this charge. 

I missed the reservation by mistake, but this is not the ground that the hotel can charge me anything they stated. There is no previously agreed upon price nor there is any confirmation of showing how many rooms they were going to reserve for me. I have XXXX adults and XXXX children for the trip. Based on their website description, a cottage for the price of {$230.00} for one night will accommodate my family nicely. But the hotel charged us twice as much. 

This wasnt a fair business practice of charging me inflated price without a previously agreement upon terms by anyone. The hotel never informed me the exact term of the reservation price or room ( XXXX ) in any form of communications. That was partial reason why I missed this reservation The hotel should provide me some form of contract with price stated before my hotel stay. And if I knew the outrageous price of room rate they will charge me, I would certainly cancel this the reservation. 

I dispute this charge with Bank of America. Bank of America denied my claim. I believe Bank of America made a wrong decision and treated its customer unfairly. Bank of American let the merchant freely charge the credit card without proof of any price agreement or receipt. 

The wrong doing of XXXX XXXX not telling their customer of cost of service before making charge is a violation to Fair Credit Billing Act. And Bank of America did not resume the responsibility of protecting its customers from the unfair billing practices.
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

Started : called my phone I had as a contact marked " House '' my mortgage payment phone number. XXXX Told me they could modify loan 1. Pay escrow 2. Three trial payments in 2 months period 3. If meet then I would have new payment amount new interest rate and added to back of loan. I had signed up for forebarance with specialized and they ( scammers ) told me the dates correct XXXX to XXXX and they are calling in XXXX seemed right. Told me taxes were XXXX they needed XXXX XXXX prepaid cards. I bought 3 for XXXX each at XXXX he waived XXXX for my fee on buying cards. Then XXXX first payment of XXXX but again he said XXXX is fine and waived for fee. I asked for confirmation he sent to my email had mortgages logo on receipt. 2nd payment I was having car problems and they started rushing me to get prepaid card and when would I be calling it in they needed it by XXXX called several times that day. I Final got mad at them told them I didn't think they were legit. There were two different men I talked to XXXX XXXX supervisor and XXXX XXXX case manager have phone numbers and extension. My mortgage company was out of Colorado ( XXXX XXXX sold it ) one of the area codes they called from was XXXX ( XXXX, tx ) and other was XXXX. Was told from my true mortgage call center that they did their own debt collection he wouldnt take any of the scam numbers to check out just sent me forms to fill out for help on mortgage I think to modified payments what all started with the scammers. I also received envelope from XXXX XXXX XXXX  XXXX. XXXX, tx XXXX saying they are debt collectors area code ( XXXX ) again and they have my info. I asked specialized about this name and was told he was not aware of such. I so confused what and where to send and who is legit or fake. I lost {$1900.00} to these creeps and still owe taxes and back payments I am going to lose my house and have been here since XXXX  paying on mortgage I have XXXX XXXX cards and receipts even though they told me to cut them up. I know it is now XXXX but it made me utterly sick and dealing with this on my own my husband became incarcerated XXXX and couldn't help. Please help me retrieve my money I am XXXX  right now looking. Thanks XXXX
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (GA)

I recently applied for an XXXX XXXX  through JPMorgan Chase-based an invitation from XXXX. I submitted the information, a copy of the driver 's license. Over a period of 7 days, I received information that my identity could not be verified. So I resubmitted the information and again I got the message about my identity not being able to be verified. 
I contacted JP Morgan Chase and they could not explain why such a statement about identity could not be verified. That is critical because I need to know why. 

JP Morgan Chase communicated that it is related to the information that is reported by the credit agencies. I was told that they would escalate this and contact me to discuss their findings. As of today, XX/XX/2022, no has contacted me from chase.