davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lending Club Corp (TX)

I found out that there was loan under my name from company called Lending Club. 
Couple months after, my credit point dropped over 100 points, and I started calling credit companies, XXXX, XXXX, XXXX  to dispute for this amount. I have never requested personal loan from Lending club, nor received money. I tried call this loan company, but it is unreachable by phone. I sent an email and they sent me a letter which didnt explain anything about my concern. Therefore, I filed a complaint about this fraud on police department in XXXX, TX. I am guessing someone stole my identity. I have received a letter from a collection company called XXXX XXXX XXXX XXXX which amount of {$13000.00} on XX/XX/2020. I am a victim of identity theft and looking for help to resolve this issue. 
Sincerely. 
XXXX XXXX
Consumer complaint received 2020-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Recovery Service Incorporated (TX)

I found out that there was loan under my name from company called XXXX XXXX. 
Couple months after, my credit point dropped over 100 points, and I started calling credit companies, XXXX, XXXX, XXXX to dispute for this amount. I have never requested personal loan from XXXX XXXX, nor received money. I tried call this loan company, but it is unreachable by phone. I sent an email and they sent me a letter which didnt explain anything about my concern. Therefore, I filed a complaint about this fraud on police department in XXXX, TX. I am guessing someone stole my identity. I have received a letter from a collection company called American Recovery Service Inc. which amount of {$13000.00} on XXXX, XXXX, 2020. I am a victim of identity theft and looking for help to resolve this issue. 
Sincerely. 
XXXX XXXX
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (AL)

Brought a NetSpend prepaid card today ( XX/XX/20 ). I couldn't get my card fully activated because I had other cards that were on file as open ( although I had only one card active -which I'm still waiting on in the mail- and the rest were closed out ). The issue is with the process to get the account fully activated. Now I've sent all the required documents but I've been rejected for no plausible reason. I refuse to send a ID with my picture showing because the responses I've gotten back leads me to believe that NetSpend is during fraudulent activities. First I had to send documents to a company named 'Skylight ' and when I got a response, the name at the end of the letter was named 'XXXX  '. The second attempt I sent it to bet XXXX ; when I got a response it was from someone named 'XXXX '. Not only was I rejected but the reasoning was invalid. I sent my ID, SSN, and Utility bill. 'XXXX  ' said that my SSN was partial, but I can disprove that by sending the email with the attachments. Also you can expand and zoom attachments. So it's apparent that XXXX is deliberately trying to make this process hard and since I've send my personal info multiple to same company. I feel this is being done to store my full identity into their archives. My face shouldnt have to be shown in this circumstance because Ive a client for over 3 years and Ive sent my info in the past 2 years ( which I can verify through email ). Further more why would I trust to send my info to people that DONT EVEN USE THEIR REAL NAME. they don't even put a last name at the end. Who works for a financial institution, send financial/business emails to clients, and goes just by their first name or nickname ( Does XXXX or XXXX seem like a name you would trust your personal info too? ) No last name to help a client pinpoint or trace that person if a situation goes bad and it's their fault. That's how people " crack cards ''. They work for a prepaid company, steal your info and drain your account. I'm XXXX to be fired because she declined my access even though she has viewed all of my personal info. Also because of the delibernise I'm asking for a 200 % matching bonus of my deposit.
Consumer complaint received 2022-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (MO)

My deceased husband had a car loan with Ally auto loans. I called them in XXXX of XXXX told them I wasn't on the loan but my husband who was had died. They hung up on me. So I faxed over a death certificate and told them where the vehicle was located and to please come pick it up. This was XX/XX/XXXX. I never heard from Ally. I tried several times to contact them and they would not speak to me. The vehicle sat in my driveway and I had to pay personal property taxes on it and full coverage insurance until my husband received a letter the end of XX/XX/XXXX stating they had written the vehicle off and he owed them {$32000.00} ( Approx ) They had continued to add finance charges to a dead person 's bill and refused to pick up the vehicle. I want $ XXXX storage fees from them for the 485 days the vehicle was left on my property. Total Ally owes me is {$14000.00}. They have the vehicle as they repossessed it on XX/XX/XXXX. My name was never on the loan. They never had any correspondence and refused to speak to me every time I called them. They NEVER sent a letter in XXXX 's name until the end of XX/XX/XXXX. This company is a scam. Stay far away from them. There was no money to pay off the loan. My husband owned nothing and had huge medical bills and no life insurance. And now this company has ripped me off.
Consumer complaint received 2020-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filled out an application online to try to refinance my truck. I dont remember the website because once the app was filled out in changed hands. The website shared my info with many different credit sources and the last few days I have had 6 different credit inquiries added to different credit reporting bureaus notification system. I am suspecting my information was shared and the credit inquiries are being made illegally without my consent.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been disputing an account that is reporting on my transunion credit report. ( XXXX XXXX XXXX ). The creditor has agreed to remove and delete this off my report. XXXX has finally deleted the information however transunion is still reporting it. I had to call 3 different phone numbers today to finally get to speak to someone about this problem. I was told I need to supply further supporting documentation. I explained that I spoke with corporate office for XXXX XXXX XXXX and it has been agreed that they will remove this off my credit reports. I explained to transunion today X/X/17 that I spoke with XXXX XXXX XXXX approx 2 months ago ( I do not have the name of the person I spoke with over at corportate ). Transunion said they will re-dispute this information and I will have to wait 30 days for a response. According to XXXX XXXX my score has dropped XXXX points today. I asked the rep at transunion why such a huge drop I was unable to receive an answer. My debt has gone down on my bills and there should be no more inquires so I do not understand as to why the drop in score. XXXX XXXX XXXX does not belong reporting on my credit report. Having this information still reporting is affecting my credit score in a negative way. I also explained the according to XXXX XXXX there has been an account that has been sent for collection which should not be that information is wrong as well. I am submitting this complaint because I have been disputing this information for quiet some time now and getting nowhere.
Consumer complaint received 2021-05-10
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: Merchants and Professional Bureau, Inc. (TX)

This is a formal complaint against Merchants and Professional located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Merchants and Professional has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2019-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a complaint against Bank of America for not properly staffing on their fraud call centers and allowing the BOA staff to party and laugh instead of taking time sensitive calls. On XXXX XXXX, 2019 Bank of America sent me a fraud text message about to verify if a check I had written was valid. Bank of America in their notification just gave me a dollar amount not the party the check was made out to. I was at work and did not immediately remember the check though it was for a car loan pay-off. I responded " No '' but within an hour remembered the check and I called in to Bank of America to correct the error. I was on hold for over 20 minutes and through my lunch break so I could not wait on the phone any longer. After work I waiting on hold for Bank of America for over 30 minutes then when i finally spoke to a live person ALL I COULD HEAR WAS THE BACKGROUND OF PEOPLE LAUGHING AND HAVING A GOOD TIME NOT WORKING. I was told by the representative that BOA only gives a time limit to respond the BOA fraud text message or to correct a response to the BOA fraud text message of a few hours, I believe the service rep. said by 3 PM EST, before BOA denies paying a check. Not giving a customer at least one full business day to respond before BOA denies a check to clear is not right but then to intentionally under-staff their call centers and allow employee not to take a call is wrong when BOA puts a short time limit. BOA could easily give days for a proper response when BOA does not even give clear information on the check they are going to deny but I called in time but due to BOA under-staffing and partying my check was wrongfully not paid. BOA should have wired the proceeds to the business at their expense for the staffing and poor customer experience but their complaint area is also understaffed and does not take direct incoming calls. I had the entire day off on Thursday and was not contacted after I returned the BOA complaint area 's call till the next day.
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

American Expres provided an offer to me for {$75.00} back after spending {$300.00} at XXXX to book a hotel. I activated the offer. On XX/XX/XXXX, I made a purchase with XXXX ( http : XXXX ) for {$300.00}. I later checked my transactions and noticed the charge showed as " XXXX XXXX '', and was concerned, but I assumed that I would still receive the {$75.00} as I had followed the exact terms and conditions in the offer. 

One month later, and I have not received any credit from American Express. I have contacted support twice. The first time, they said they would get back to me within a week, and they never did. When I contacted them a second time, they told me they did a cursory investigation on their own, saw that the charge was not to XXXX, and decided not to give me the {$75.00}. I asked them to open a case again, and I would be happy to provide my receipt showing I had directly booked with XXXX. It is a week later, and they have not taken any further action.
Consumer complaint received 2020-02-16
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: PMGI, LLC (CA)

XXXX XXXX COLLECTIONS NEVER HAVE HAD ANY BUSINESS WITH THIS ENTITY AND THEY KEEP RUNNING INFORMATION ON MY CREDIT PROFILE SO THAT IT WILL HAVE A LOW SCORE. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is excessive and poor business practice.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (PA)

Hello. I purchased a Vanilla Visa gift card on Monday, XX/XX/22. I have tried to check the balance of my card multiple times and I continuously get an error back. I have even tried to call the number on the back of the card for Customer Service and all I do is wait and wait and wait. Minutes to hours with no representative that's not " assisting '' other customers. {$200.00}. {$200.00}!! GONE!! I will never purchase from Vanilla Visa again. I am so upset right now. This card was purchased at a XXXX here in XXXX, PA! I just want my money!!!!!
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for an American Express Prime Business Card Ref : XXXX and was denied because " American Express cancelled my previous account ( s ), '' This is not true and should be reflected in the record and my card should be approved. I was an authorized user on an American Express account and the primary holder began having financial problems and so I cancelled my card even though I am not responsible for the charges as an authorized user. I believe American Express National Bank have violated their card agreement by saying I'm responsible for a debt that I am not legally responsible for. I should be judged on my own qualifications and American Express is denying a card for my business based on a primary card holder 's payment history. I'm shocked that Amex has done this and believe firmly that this must be remedied. Thank you.
Consumer complaint received 2017-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

M & T Bank used overdraft link to credit card for two debit card transactions (  XX/XX/XXXX  and  XX/XX/XXXX  ) that were placed on hold and never processed as complete. The account was never at a negative balance, but transfers and fees occurred. As a result, we were charged fees for the utilization of linked OD protection on our credit card. Even though the on hold items never processed, when the holds dropped, the OD charges to the card ( and associated fees ) did not. They should have been reversed when the debit holds dropped and this is a clear violation of UDAAP.
Consumer complaint received 2021-11-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST HERITAGE CREDIT LLC (TN)

1.I have never had an account with this company XXXX XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are FIRST HERITAGE CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have been trying for over 4 months to resolve this late payment issue status with the three credit bureaus. The Account in question is XXXX XXXX XXXX Account number XXXX. I have no record of being late and have never been late on this account. As of XX/XX/2016, the account is PAID OFF and CLOSED. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit report.
Consumer complaint received 2021-08-24
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. (TX)

I submitted a letter to XXXX, XXXX and TransUnion on XXXX XXXX to validate some items on my report. I also sent in another later demanding to comply XX/XX/XXXX. I still haven't received a update or any correspondence. I would like these items removed, since they are neglecting my requests.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

so there is a closed complaint XXXX that is on my file so the updates that made me submit new complaint, that im attaching three pictures where you can see citi bank posted my credit score equal to XXXX on their web site and discover credit card posted my credit score to XXXX on their web site where credit karma showed my credit score went down 4 point on XXXX data and XXXX went down five scores which mean what citi bank said they post something on their website and post contradiction to it to the creditors so please look at the attached screen shots and if i ignore this ugly practice, they will keep going. 
its like my credit score is getting lower for the creditors while two of my credit cards showing way higher and improvement on their website, because they post something on their website and to they post the opposite to the creditors something as long balance and complaints beliving the creditors will take what they report not what cfpb direct them to post. 
so yes Citibank and discover behind this mess especially the Citibank that directly told me that creditors take what they say not what cfpb dispute, yet XXXX XXXX post on their site credit karma scores so its like my credit score is low because of such game and the leader is citi bank