davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (IL)

I received one letter from Resurgent Capital Services dated XX/XX/XXXX, on XX/XX/XXXX, stating I owed a debt to them that I do not recognize. However, prior to that date, I started receiving emails from XXXX from the company on XX/XX/XXXX about disputed debt. No phone call was ever received, and I never returned correspondence via email. On XX/XX/XXXX, I mailed Resurgent Capital Services via certified USPS mail, return receipt requested, that I dispute the debt, and to send me information validating said debt. My letter was signed for by XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX. Despite receiving my dispute letter, the company still emails me daily, attempting to collect a debt that I have disputed, which is against federal law. On XX/XX/XXXX, I received a letter from Resurgent Capital Services, dated XX/XX/XXXX, that they received my letter, and initiated a review. The above outlined communication is the only communication I have had with Resurgent Capital Services. On XX/XX/XXXX, LVNV Funding LLC sent reported my account as delinquent, and failed to attach any notification that I have disputed the debt, and have failed to verify the debt as per my letter dated XX/XX/XXXX, that they have acknowledged they received. LVNV Funding LLC and Resurgent Capital Services clearly violate federal collection laws, and need to be held accountable.
Consumer complaint received 2023-08-13
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC. (UT)

On XX/XX/2023, I called Ally Bank to get a cashiers check. I needed this check on XX/XX/XXXX which is 10 business days after the call. They said it would take 7-10 business days to arrive. My husband got a cashiers check from Ally a few weeks prior and it arrived within a week ( 5 business days ) so we followed the same timeline. The check did not arrive as planned. When I called they said there was nothing they could do, it got delayed in getting sent out, not mailed until XX/XX/XXXX, wouldnt cancel the check, increased my debit card atm withdrawal to $ XXXX for 2 days but said I had $ XXXX limit for point of sale ( needed to get a money order since check didnt arrive on time ) On XX/XX/XXXX, went to get a money order at XXXX ( XXXX ) grocery store, transaction declined. Called Ally, verified my identity, they said it was flagged and there was no way they could approve it, said I had to try later or go to another institution. I asked to have my atm withdrawal increased since it was $ XXXX and I needed {$2100.00}. Declined by customer service. Said I should buy something at the grocery and get cash back. Did this, transaction declined. 

Got my $ XXXX money order with the cash I was able to withdraw and begged the institution I owed to give me another form of payment after explaining my situation and they worked with me. 

Cashiers check arrived within 11 business days
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX Balance : {$79.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX. XXXX XXXX XXXX : {$3000.00} XXXX. XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} TransUnion XXXX. XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (CA)

Additional complaint based on XXXX The loan servicer responded by mail. As it was said on the letter, they admittedthat they inadvertently disbursed thetax payment. But my request for monetary compensation was declined.Before we move forward, please take a look at what I had to go through, just to fix this problem past 4 month. After making 15 phone calls over this period of time, explaining what had happened over and over, begging them to fix the problem. 
Each phone call took me somewhere between XXXX minutes to XXXX hour XXXX minutes depends on days. 
We are just ordinary people with XXXX kids, hard working parents, trying to make living with our monthly income month to month. 
Amount of stress and so many sleepless nights full of worries, being scared of loosing home. Asking to borrow money from people around.And now the mortgage loan servicer is basically saying, " Okay it was our fault, here is the money back, and we regret the inconvenience, '' That is it ... ... That is all they can do. 
What about my life being the worst for past 4 month. What about my reputation. What about those days I had to fight so hard with the stress and hardship.Please help us to get this monetary settlement. 

Thank you
Consumer complaint received 2023-08-11
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. (TX)

I have called Equifax and asked them to explain why my mortgage company can not pull my Equifax report. They told me there is a fraud alert on my account because my name is fraudulent and I have not received any information via mail, email, notifying me of any activity. The second representative told me that my account has been listed as fraud but will not give me information about the alleged fraud nor will they tell me how to fix it. Im am so tired of getting the runaround about this. Prior agent never mention a fraud, he said that there was a lock in the account and after verifying the information he said it was removed. So I tried again today to log in online and still o am receiving the same issue. I have a right as a consumer to know what is being done and by whom and to simply tell me I will not have access to my own Equifax due to fraud yeah no, going all the way to the top on this one.
Consumer complaint received 2022-04-13
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX  account number XXXX has violated my rights. 15 U.S.C 1681section 602 A, States I have the right privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

It is currently XX/XX/24 and I have requested a dispute of XXXX loans because it was a double charge. For 2 weeks I have been calling trying to get one of these loans off my credit report just to be denied and told I they disagree without a call or text. I have literally contacted my school and they have told me how much it was for me to attend and the charges coming of my report are incorrect and I want them fixed. I have had to come out of my pocket XXXX dollars for a mistake that was not mine because Experian would not help me.
Consumer complaint received 2023-08-22
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-04-13
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. (SC)

XX/XX/2022 Experian and XXXX I have received a document stating that an account that XXXX XXXX is reporting is fraudulent. XXXX XXXX purchased a fraudulent account from the Original creditor XXXX XXXX. XXXX  XXXX sent me a document stating this account was opened du to fraud. Document attached.
Consumer complaint received 2022-04-13
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In the Past 6 months i have disputed multiple times a couple accounts with Equifax. XXXX continues to send me Stall letters saying that the disputes are not from me when in fact they are from myself personally. it is against the CFPB to not provide proper means of verification when asked by a consumer. There are many deviations according to the standards set forth by XXXX XXXX that are not being followed for this reporting of the following accounts. I demand that these accounts be removed immediately from my credit report as Equifax has had more that ample time to verify but chose to send stall letters out instead. My drivers license and proof of residence has been summitted many times to prove it was me. and i am sending this complaint as myself and writing this myself as well. Please handle accordingly and remove the following Accounts : XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-10
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. (TX)

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
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CO)

I inquired about the latest possible date to cancel my American Express Platinum card to avoid being assessed the {$550.00} annual fee. I was originally told that I could cancel the card up to 30 days past the anniversary date of the card. I wanted to use the airport lounge access that comes with the card on an outgoing flight of a trip that was going to occur around the 30 day mark, so I called once again On XX/XX/XXXX to verify what the exact cut-off date was. On this call I was notified that the annual fee would be prorated and returned at any time that I cancelled during the year term. I decided to keep the card for the 2 week duration of my trip to take advantage of the airport lounge access and cancel the card upon my return. When I called to cancel the card, I was told that I was given incorrect information. The customer service department said they would review the call and correct the problem if they could verify that I was given the false information. When they got back to me, they told me that they had no record of the call on the XXXX, only the previous call when the 30 day time frame was given. Further more, they told me that there is no way that a call would be missing from their computer logs. I offered to send them the record from my cell phone or from my cell phone provider that showed the call date, time, and duration. I was told that they would not accept this as evidence that the call took place, and reiterated that there was no way possible that the call could have happened and not been in their system, essentially accusing me of lying about the call. I have attached the screen shot from my phone that shows the record of both calls. I am absolutely astonished that they have handled this is such an unprofessional manner, as they have always provided good service outside of this event.
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: Certegy Holdings, LLC (IL)

I received a check from the U.S. Treasury department in the amount of {$1400.00}. I do not have a bank account and desperately need this money so I took the check and my government issued, valid I.D to my local XXXX grocery store. The employee at the customer service desk/money center immediately ask me to sign the back of the check. After doing so, I was asked to enter my social security number repeatedly on their debit machine. After approximately 5 minutes, the employee rudely informed me that they could not cash the check nor give me a reason as to why this decision was made. She handed me a XXXX receipt that had a phone number for " certegy '' listed on it. She told me " they will explain everything ''. I immediately called and was told even less than I already knew. I now have a {$1400.00} check I can not cash and have no idea why.
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc. ()

BlockChain confiscated all my crypto assets without ANY ground. 
Even after multiple requests to reveal to me that ground, they did not mind ( at all ) grabbing my assets, but they do mind telling me why. 
That on its own is already terribly troubling and unworthy conduct. 

But it does not stop there- for more than a week already I am demanding them to release my assets but they are not collaborative at all. When I send mails- they wait for days to respond. While they are still keeping all my crypto hostage ( it is also why I am demanding compensation ). 

As a reason for not wanting to reveal why they are fencing with extremely vague legal terms - complete nonsense of course ; XXXX XXXX  even lets you know automatically and immediately if the account is accessed from abroad, with the exact time and location stamps. So why would another XXXX company not be able to apply exactly the same simple automation? 
It's a shame and they leave their users in complete darkness. 

The last reply, days ago, was as again as pestering as idiotic : they ask me to write ( on paper! ) my name, the BTC price and a few other things. 
-- > You do that. You file that. 
THEN they add : now we want you to hold up that paper next to your face, together with your ID. 
-- > You do that. You file that. 
THEN they add : oh, but we wanted you to do that with capitals, not normal handwriting... 

Classic kindergarden bully tactics pestering people to steal their funds longer and longer and longer. 
Also, technically it does not even make ANY sense ; they have all the info in a mail I sent - all 100 % readable. If they want it in writing- the point is to see it is MY handwriting, right? Well, capitalization annuls that traceability as everyone 's caps look the same. Simple logic. Not to blockchain. 

So, I have not heard from them for 2 days again - ALL my crypto still STOLEN by them. 

This lawlessness and cowboy mentality has to end URGENTLY and is utterly unworthy of any serious Exchange.
Consumer complaint received 2019-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (AR)

On XX/XX/XXXX I spoke to an agent at Castle Credit and told them I had a late payment because my system wasnt working and as soon as it was serviced I would make a payment. They called me again on XX/XX/XXXX but I missed it due to work obligations. They called again on XX/XX/XXXX demanding payment. I spoke to XXXX XXXX. I told her I had already talked to someone and that I would be making a payment when my system was serviced. She asked for my credentials so she could have a conversation with me so I said I dont have anything else to add. I will be making a payment when my system is serviced. Before I was able to complete my statement Ms. XXXX, speaking over me, said thank-you-have-a-good-day as quickly as she could and hung up on me. I called back and when Ms. XXXX answered I asked if I could speak to a supervisor and she transferred me to an answering machine. This is horrible customer service. Ms. XXXX should not have hung on me while I was talking and I should have been allowed to talk to a supervisor to make arrangements for my next payment. I will be taking my loan somewhere else!
Consumer complaint received 2024-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

Approximately 2 months ago, I sent written communication requesting validation of debt and advising I do not deal with third-party collectors. I sent a notice to cease and desist ; yet, LVNV continues to report this invalidated debt to collection agencies in violation of the law. I am attempting final mitigation before action.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Company Involved XXXX, XXXX : Chase Bank On Saturday afteernoon XX/XX/XXXX I went to my neighborhood XXXX to return an item for the amount of {$17.00} using my debit chase card and On Monday XX/XX/XXXX my Chase XXXX account was credited the full amount. Later on in the evening of XX/XX/XXXX my XXXX Chase card was debited {$110.00} from Target. I was made of aware of this transaction on Sunday evening and immediately called customer support to file a claim with Chase Bank advising them that a transaction was made on my debit card that I did not authorize nor was I anywhere near a XXXX store to make this transaction and that I was concerned that my account was in jeopardy. My debit card was immediately cancelled and a new card was issued to me and I was given {$110.00} credit back to my Chase checking account until an investigation was complete. On Friday XX/XX/XXXX I was looking at my on-line mobile chase app and noticed the Chase Bank reversed the claim charges of the amount of {$110.00}. I immediately called Chase customer support to fined out why the charges were reversed and I was told by customer support they felt that because my debit card was used via " Chip '' insert it is their policy to deny the claim because of the security of the " Chip '' yet I had the customer support manager confessing that it seemed unusual that this would occur on the same day at the same XXXX location I am beyond frustrated and feel I have been a victim of fraud and yet I have been denied by my very own bank. My claim # XXXX. If I could be of further assistance please feel free to contact me.