davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/2017, I made a payment to American Express in the amount of {$3700.00} for my corporate American Express card via XXXX XXXX online Bill Pay. However, the payment never posted to my account. After months of calling both American Express and XXXX XXXX, as well as, 3 failed Dispute filings, Im writing to engage both companies more formally and enlist support from agencies whose purpose it is to help protect consumers like me. 

American Express has held thousands of my dollars for 3 months claiming that it has not received my payment despite the fact that I have provided proof showing that the money has been sent. I dont know where American Express put my payment, but I want my payment immediately credited to my account permanently. 

Ive provided the XXXX XXXX proof of payment to American Express several times in the past 3 months. Additionally, on or about XX/XX/XXXX, a call took place that included an American Express representative, a XXXX XXXX representative, and me. During this call, the XXXX XXXX representative provided to the American Express representative the full American Express account number to which the payment was sent. XXXX XXXX has been unwilling to share the number with me due to privacy issues. Unfortunately, that call was disconnected before the American Express representative confirmed that she had found and applied the credit appropriately to my account. Despite that call and my 2 other dispute filing, American Express has failed to properly credit  my account. Please check the recorded phone records for the full American Express account number that XXXX XXXX provided as the account to which the payment was made. 

Please also look for accounts under my maiden name.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I entered a consumer credit transaction, applying for an extension of credit, granting American Express National Bank access to my trust account, via my social security numberonly to receive adverse action in the form of a denial of credit. Adverse action against a consumer is against the LAW, a liability for breach of fiduciary duty pursuant to 29 USC 1109. Moreover, American Express National Bank has directly violated the Equal Credit Opportunity Act by discriminating against my credit application on the basis of my race, XXXX, religion, national origin, XXXX, marital status, and/or my age ; because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act, pursuant to the Equal Credit Opportunity Act which is codified in 15 USC 1691 . Additionally, pursuant to 12 CFR 1002.4 a creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. Based on the Federal Reserve Act Section 16 Part 2 states that my application was collateral security in a credit transaction. I provided valuable consideration, the application/security provided is transferable, interest bearing, and the application/security is still active on the private side. My trust/credit was accessed and there was unauthorized use of my nonpublic personal information. 18 USC 8 defines what obligations or other securities are in regard to the US debt. 15 USC 1431 defines the duties and powers of banks. The power of a bank is to BORROW. The discrimination against me, the consumer, to be provided an 'open ended " credit plan, by denying my GRANTED RIGHT to credit. We The People are entitled to redeem our collateral, which is backed by full faith and credit of the nation ( Article IV, Section I of the Constitution ). Clogging those redeemable rights is considered a breach. American Express National Bank is attempting to clog my right to pursue life, liberty, and the pursuit of happiness. I AM CREDIT WORTHY!!!
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a collection on my credit report, reported by XXXX XXXX that originated with XXXX XXXX XXXX for a home that I rented through them. We were there throughout the term of the lease and had complained several times that the home was bug infested. Once the term of the lease had ended, I did a walk thru of the home with the Landlord and was told that everything looked fine. I then received a letter that I would not receive my security deposit back and that the home was damaged due to a bug infestation. According to Texas Lease Law - the Landlord must send me the balance of my security deposit along with a list of damages and costs for any repair. I have never received an itemized list nor do I  have any idea of how they came up with this balance owed. This is a violation of the lease law and I request that this item be deleted from my credit report.
Consumer complaint received 2022-09-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (NC)

I have contacted XXXX XXXX several times concerning an account with them that the balance due is incorrect. The last communication was on XX/XX/2022 with XXXX XXXX at XXXX. I faxed my spreadsheet with backup to her attention proving I owed less than what they have credited me for. Also, I have been paying on this bill every month. 
The last communication is stated below : Attention : XXXX XXXX My spreadsheet listing every payment made to XXXX XXXX up to this point is attached, along with documentation from my bank showing you receive these payments. and the statement from Revco Solutions , Inc., I have fulfilled my responsibility by paying the set amount to pay that was determined by XXXX. I anticipate XXXX XXXX closing my account with Revco Solutions , Inc. and reporting any adverse comments to the credit bureaus that would impact my credit ratings. I also expect to receive a letter from XXXX XXXX stating that these demands have stood fulfilled. 
Furthermore, now XXXX XXXX has deleted my account out of their system so I can not make regular monthly payments as agreed upon. 
Sincerely, XXXX XXXX XXXX XXXX,
Consumer complaint received 2018-03-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Attn : Complaint Department I have recently pulled my Experian credit report and notice an account has been investigated and deleted by another credit bureau still being reported by Experian. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete these accounts for accurate reporting. They should be deleted in order to show my true credit history. 

XXXX has removed all accounts associated with XXXX XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors. 

XXXX XXXX XXXX Account # XXXX Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 



Thank you for your cooperation, XXXX XXXX
Consumer complaint received 2021-02-04
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: Wallace Management Company, LLC (NM)

Today, XX/XX/2021, there is a hard inquiry on my credit report from Wallace Mgt-dixie Fi Personal Loan. I have never applied for a personal loan with this company and need this removed from my credit report.
Consumer complaint received 2021-02-04
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. (NM)

Today, XX/XX/2021, there is a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I have never applied for a personal loan with this company and need this removed from my credit report.
Consumer complaint received 2016-08-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My aunts car check book and debit card were stolen The bank Of America in XXXX SC. She attempted for 3 days to call the fraud department of BOA without getting through. She was able to finally get someone on the phone on XXXX/XXXX/16. She followed up by filing police reports. A total of XXXX stolen personal checks were deposited into her account on XXXX/XXXX/16. The first withdraw was made in the amount of {$240.00}. Then 2 attempts were made at XXXX XXXX without success however a withdrawel was made at BOA when more money was obtained. My aunt states she never gave her PIN number to anyone ever. We feel like a girl in and out of her home somehow guessed or watched her put the pin numbe. She filed her claims alone A follow up call she was told because the claim Was filed on XX/XX/XXXX she failed to show concern. My aunts completed every thing the fraud department requested her to do. My aunt is XXXX And becomes confused quick she did n't understand exactly what was expected of her and what the BOA was asking her to do. New claims were filed but to lay Shock the Bank of America denied the claims again. My aunt is on a fixed income and she received her XXXX in the amount of XXXX. Over {$600.00}. Of her check was taken by BOA they were no help at the fraud department. No one would reach out and assists her. She asked for supervisor to be contacted. The XXXX supervisors were talking hateful and not helping her. The bank refused to reopen the claims or provide my aunt with any details. The BOA speaks of its XXXX libability on fraud. The bank seemed to be taking advantage of my aunts XXXX and lack of understanding. Her car insurance is about to be cancelled and her car may be taken from her
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

To whom it may concern, About two weeks ago, I saw in my credit report a record like this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$260.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I realized " XXXX XXXX XXXX  '' was the apartment I moved out half year ago. But I never receive any notification about this payment. Not in the form or mail or phone call or email. I contact " XXXX XXXX XXXX '' immediately for this, it was a move-out fee. It was a reasonable charging and I emailed the check for payment immediately. But I do dispute the collection shouldn't be on my credit report for two reasons 1 ) " XXXX XXXX XXXX  '' didn't notify me properly. And I didn't receive my acknowledgement for this payment. And they turn it to " XXXX XXXX XXXX XXXX '' without my knowledge. 
2 ) " XXXX XXXX XXXX XXXX '' didn't notify me properly either. And I didn't receive any email or phone call. And when I try to dispute with them for this. They said it past the deadline I can dispute, since the account is opened on XX/XX/XXXX and this is XX/XX/XXXX. But how can I dispute a debt I didn't even know? 

To summarize, " XXXX XXXX XXXX XXXX '' didn't notify me properly on this, and they never got my acknowledgement until around XX/XX/XXXX. From that time, I tried to dispute with them, but they said it can not be disputed since it passed the deadline. So my right of being notified of the existence of the debt and my right of dispute is not being respected.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (LA)

I have a Chime bank account, I transferred money from my personal XXXX XXXX checking account into my chime account I linked my bank account to my chime account last year this year I wired {$100.00} into my chime account chime locked me out of my account they wanted proof of identification so I sent proof of identification well then they wanted two forms of identification so then I sent them another email of two forms of identification then they wanted the two forms of identification plus they wanted the transaction of the {$100.00} going into the chime account, so I sent them everything they asked for well now they want the last three transactions from my XXXX XXXX  account every single thing I send them they want more they don't have any phone numbers that I can talk to them The only way I can contact them is through email. My credit builder card I can not turn off because my chime account is locked and every time that credit builder card takes a hit with no money on it my credit score goes down so chime is XXXX up my credit score by not letting me in the account to turn off the card.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (FL)

additional information for original complaint # XXXX. 

Company received ( USPS return receipt tracking # XXXX ) my letter on XX/XX/2022. It has been over 30 days and company has not responded. 

I have not received written correspondence of my permanent file deletion.
Consumer complaint received 2021-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

Capital one bank USA N Open date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX bank Open date XXXX XX/XX/XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
Consumer complaint received 2018-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This account is from Identity Theft, I have called Capital One many times to dispute it and also on my credit reports and they still don't fix it. I have provided all documents and have not got anything back from them. 

Federal Trade Commission # XXXX
Consumer complaint received 2018-03-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Tower Loan of Mississippi, Inc. (MS)

The company TOWER LOAN IN XXXX XXXX XXXX NE WITH A GIFT AFTER VIOLATED MY HIPPA AND IN RETALIATION TO ME FILING HIPPA COMPLAINTS TO A FEW DISABLING CONDITIONS IN WHICH MY COMMUNICATION SENSES ARE LIMITED AS FAR AS VISION AND HEARING. THE COMPANY SENT ME A PRETENSE XXXX GIFT THAT I DIDNT ASK FOR AND AFTER IDENTITY THEFTING My Medical history THROUGH THE PHYSICAL THERAPY CLINIC NEXT DOOR, AND LATER STARTED ASKING ME TO PAY IT BACK AS A FEW WORKERS THERE DONT LIKE ME. And recently had me subpoenaed to court over it and it wasn't supposed to be a loan only a gift even after XXXX XXXX ADVISED ME.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

There are unauthorized hard inquiries on my report. These injuries below are fraudulent. 
EQUIFAX MORTGAGE SERVICES 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 2019-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

To whom it may concern, On a recent review of my credit report, I discovered your company, AD Astra Recovery Services is reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office and the XXXX  XXXX XXXX.
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (MA)

XX/XX/XXXX Speaking to XXXX and they transferred me to this company, Spoke with company, explained to them I have not heard anything about this supposed debt in years, They were trying to say that I am in collections with them since XXXX for a XXXX bill for {$600.00} asking for payment today with my debt card. Told these people I am not in collections with anyone. I track my credit report all the time and I just bought a home recently and it would have shown up on the credit reporting as well for my mortgage. I expressed to them I filled bankruptcy in XXXX and im sure the bill was in it they just kept asking for payment, the person i was speaking to them put someone else on the phone stating that he would be able to help me. I stated to him that I will not give my debit card information over the phone to anyone and if they want to send a letter regarding this I would look it over, the man said they would send a letter but they never asked my new address or contact information. Very strange to me and very strange I havent heard anything about this in 8 years and I have no collections on my credit report as they say i do, and just kept asking for payment today when I know I do not owe
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

We have a credit on our escrow account in the amount of {$3000.00}. Our lender, XXXX XXXX Mortgage, claims to have mailed this to us but refuses to provide any proof and refuses to let me speak with a supervisor. I have spoken with them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They claim to have mailed 2 checks : {$990.00} on XX/XX/XXXX. Not received as of XX/XX/XXXX. 
{$2000.00} ( check # XXXX ) in XX/XX/XXXX. Not received. They claim it was cashed but refuse to provide any proof. I have no record of the deposit.
Consumer complaint received 2019-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I submitted my first application for the Public Student Loan Forgiveness program in XX/XX/XXXX after having made 5 qualifying payments. I was approved in XX/XX/XXXX though my account did not wholly and accurately reflect these payments. The payments were rescinded in XX/XX/XXXX. I submitted my second application for Public Student Loan Forgiveness in XX/XX/XXXX after having made an additional 12 qualifying payments. I am on an income driven repayment plan with direct debit and was working for a qualifying XXXX providing XXXX services as a XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My case has been pending review since XX/XX/XXXX. It's been over a year. I've sent numerous emails. I've filed complaints. And I'm still waiting for my account to reflect my 17 qualifying PSLF payments.
Consumer complaint received 2022-03-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (CA)

We leased a vehicle out of Mississippi in XXXX of XXXX. Due to COVID, my daughter moved to home to Minnesota and re-registered the vehicle there. As a result of registering in a new state, there was tax to be paid. Honda Lease Financial assessed the fee up front in the amount of {$540.00}, on XX/XX/XXXX. When we inquired, we were advised that we pay them and they pay Minnesota XXXX XXXX department. We made the payment to Honda on XX/XX/XXXX. We later were advised by Minnesota that they never received that payment from XXXX. We have since contacted XXXX XXXX... and they have not corrected the problem. As a result, Minnesota is holding title to the vehicle and will not release it. Every time I call XXXX they claim they can't get ahold of anyone in Minnesota. There are several issues here. XXXX, XXXX collected payment and did not apply them as they were required. XXXX, they havent corrected the problem in 21 months, despite my repeated efforts to get them to do something, nor have they returned us our money, nor do they follow up with us when they say they will handle the situation. Lastly, they are aware we intend to purchase the vehicle, yet we can't do so with the title held up. What happens in XXXX when the lease is XXXX? Will this prevent us from the purchase and our investment is then lost???????? Exceptionally poor business practice and fraudulent use of my payment.
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (MT)

American Express XXXX XXXX Called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Calling for an extended family member asking me to pass along a message. I have nothing to do with their finances. Contacting family members is a breach of privacy. They have also been calling my husband, mother-in-law and father-in-law asking them to pass along messages. The extended family member is working with XXXX XXXX XXXX. American Express should not be calling us just because we have the same last name.