davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I applied for membership so that i can open an account. However, I could not advance past the initial application. I called the bank and they told me I had to verify my identity by asking me questions pertaining to my consumer report. I answered the questions successfully. Then I was placed on hold abruptly. The lady rep came back to the line and told me she had to transfer me to someone else so that the questions could reset. I asked why did i have to verify again and she said the system was having issues. She placed me on hold again then told me to call back so I could get another rep. I asked her why and told her it sounded a big fishy. She said she couldnt assist and the new rep would ask additional questions. After waiting on hold, the line disconnected. XXXX my XXXX daughters are having issues as well trying to access USAA based off my military affiliation. We attached a chat transcript of how we were just rudely disconnected while trying to gain information.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, i contacted American Express regarding my long standing relationship with them since XXXX. 
Todate, the company has not made CLEAR about, why my long EXCELLENT history is no being reflected with ALL MAJOR CREDIT BUREAUS. 
I AM AN XXXX XXXX, WHO WOULD DEFINITELY BENEFIT from the truth of this credit information being reported accurately, Yet, AMERICAN EXPRESS seems to SELECTIVELY want to deminish my current information that they imprint on the very credit cards i hold in good standing todate. Member since ( XXXX ). I am ANGUISHED and hurt By this unfair reporting to the bureau 's. Seems they know that if they reported the truth, it would benefit from credit rating FAVORABLY. this to me, seem to be a way to hold XXXX XXXX of XXXX from fairness in the credit systems. I'm seeking to buy a home, in one of the most EXPENSIVE states in this country. 
What American Express is reporting todate is less than five years to the current credit bureaus, just enough to keep me In the red Zone with the BUREAU 'S To look like, with Lenders that I'm not trust worthy enough. 

THIS ALSO REMIND ME OF HOW XXXX WERE TREATED IN XXXX WHEN THEY WENT IN PERSON TO CAST THEIR VOTE. 

I AM OUTRAGED, OF THIS BLOCKING BARRIER.
Consumer complaint received 2022-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IL)

I was contacted about a debt that did not belong to me. I informed the company, I requested that the company open an investigation in XX/XX/2022, no one has gotten back to me. I asked the company what dates was the account opened, I was given two different dates. On both dates, I was at work. I asked what was charged, no one from the company could tell me. I have disputed this account a few times with no relief. This is not my account. Also, I never received any type of information about this account, besides them calling me for payment.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: AMERICAN EXPRESS COMPANY (NC)

1 ) XXXX XXXX has two inquiries in my file that they need to remove. I have never applied for any credit from them. The inquiry appeared for XX/XX/XXXX and another for XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX 2 ) American Express has two inquires in my file that they need to remove. I have never applied for any credit from them. The inquiry appeared in XX/XX/XXXX and XXXX XXXX American Express  XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2018-10-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pro Com Services of Illinois, Inc. (IL)

On today 's date XX/XX/2018, I called Pro Comm Services in XXXX, Illinois to verify my debt. My request was repeatedly denied, stated " we are not a billing agency, we only go by phone not paper ". They also refuse to accept any payment of it not in full. I would not agree to any kind of arrangement unless it is in writing which they also refused to send.
Consumer complaint received 2018-02-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CBC Credit Services, Inc. (MI)

On or about XX/XX/2018, I received a letter from CBC Credit Service Inc., XXXX, XXXX XXXX Michigan XXXX. The letter is threating and assumptions regarding ability to pay. It says it contacted my employer and believe I have the means to pay. 
Account # XXXX XXXX is the collectors name on letter. 
I have attached a copy of letter.
Consumer complaint received 2018-03-08
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX and XX/XX/XXXX I called Experian because for a year now I have not been able to get my credit report or score online. I was told several times that I could not get my score or report because my identity could not be verified. I was not able to get it through XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, or any other scoring and reporting company. Each time I have applied for credit with a company that uses Experian to pull reports, I have been denied due to insufficient credit history. I keep getting the same issue and response about not being able to have my identity verified. Yet when the XXXX  breach occured, I mailed a letter with my verification documents ( drivers license and utility bill ) and received a report via mail with no problem. I would like this issue resolved ASAP as Experian keeps telling me they don't know what the problem is after I pass all of their identity questions on the phone. I mailed in verification documents again with a letter stating the issue and that I am verifying my identity. The issue has not been resolved. I applied for a credit card with the XXXX XXXX XXXX XXXX in XX/XX/XXXX and with XXXX in XX/XX/XXXX and today ( XX/XX/XXXX ). The response was denied from all creditors because of insufficient credit history with experian. I have had credit since XXXX when I turned XXXX XXXX XXXX. I have XXXX  years worth of credit history on my report with all XXXX bureaus.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I feel disinvited against by my Exxon Mobil card customer service lied to me they first tell me no credit pull for a increased they never give me one and when I request one its always denied when will be the day they actually reward me they never do Ive had the same limit and shown responsible use and oayment history for them to be doing this to me I cant login online either and they pulled my credit without telling me and denied me again what a horrible experience they dont value my business or anything they are rude to me
Consumer complaint received 2018-10-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (MO)

I gave them permission to speak to my mother regarding my account ( she is helping me get out of my debt and they asked for her phone number for their files. Well, Friday XX/XX/2018, they called her 10 times! She is not on the account as an authorized user, she is just authorized to discuss the account. I told them she would call them and that they are not call her. The whole time they were calling her, they were also calling my number multiple times. 

They started call her again yesterday morning and before XXXX they had called her 3 times as well as calling myself!
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: LendUp Loans LLC (TX)

Per the FCRA, you are required to provide complete and accurate information to the credit reporting agencies. In regards to complaint XXXX, you referred to my account as a loan, not a credit card. This is blatant misinformation and is potentially illegal if you are referring to my account as a loan to the CRAs. This needs to be correct and the late payment on my account needs to be removed immediately due to your company 's negligence.
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (TX)

Immediately after receiving a notice of " attempt to collect a debt '' I wrote the collection agency, FIRST CREDIT SERVICES via certified mail requesting DEBT VALIDATION. In addition I gave them a phone call advising them that I do not owe any debt to them and asked that they provide DEBT VALIDATION ( proof of how I owe the alleged debt and how they came up with a combined balance of {$360.00} as they are reporting on both my and my partners account saying we owe a balance of XXXX each. ) I owe no debt to this collection agency. I have no contracts with the collection agency, contracts must be SIGNED in order for them to enforced. I advised FCS that I owe no debt to the party that they're representing. As per my contract with XXXX XXXX I had to give a 30 day notice of request to cancel. I followed all instructions given by a representative at the XXXX, Tx location. I wrote my request to cancel to the following address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX in XX/XX/2018. Advising XXXX XXXX that I would like to cancel my membership and asked that the cancellation be effective immediately. In XX/XX/2018 I noticed they were still drafting funds from my account. I called the number given back and let them know they're still drafting funds from my account. I called and reminded them that I sent a notice to cancel the previous month and advised them not to pull from my account again. I also called my bank to stop the drafts from the cancelled contract. In XX/XX/XXXX and XX/XX/2018 I received a billing statement from XXXX XXXX asking that I make a payment for I believe the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This prompted me to call nd write XXXX XXXX   and remind them once more that I cancelled my contract and asked that they stop sending me billing notices as I cancelled my contract in XX/XX/2018. Recently, I noticed that FIRST CREDIT SERVICES placed this debt on my credit report. The refused to answer to my request of debt validation and is in violation of the FDCPA as they have refused to provide the information and details such as how they came up with amount owed after my advance 30 day notice to cancel? A contract proving that I agreed to pay after dues after I gave a request to cancel. I demanded that they delete this inaccurate and false information off my credit report. They reported it knowing that it was inaccurate and false as I mentioned it to them. They are in violation of the FCRA/FDCPA! XXXX XXXX has serval bad reviews on the XXXX website for this same reason. They use a third party to take in cancellation request and somehow it never gets taken care of, how strange ... I think it's a tactic to keep consumers in contract and take their hard earned money. I did what I was asked per my contract terms and I demand that FIRST CREDIT SERVICES delete this inaccurate information from my credit report! It has hurt my scores and makes me look bad in the eyes of my creditors.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

Hey Im have a problem whit the money of help of coronavirus 19 help for my family this start a XXXX toy day is XX/XX/2021 and they dont give me a solution. Im really need this money bacause Im dont working now about the situation Im trying to fix this problem whit paypal and paypal companie dont give a solution Im really need the help for my family thanks. 
XXXX XXXX
Consumer complaint received 2018-07-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber (TX)

My complaints is not just about the 30 day " notice '' letter. Which I never received about this debt. The only reason I know about this is because I received an alert from my credit monitoring service. I have been working on my credit and it is looking great until this happened. 
Real quickly, my monitoring service just posted a collection from Grant & Weber account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. As stated above I never received a phone call nor any letters from this company. 

Additionally, it shows as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. 

The issue is now I have 2 negative items that are effecting my debt to credit ratio twice for the same debt. My understanding is that is either an FCRA volition or an FDCPA violation or both. You can't have the same debt count against you twice. Not to mention both companies are reporting different amounts and I have no idea if any dates are correct but likely that is wrong too. 

Since the collection agency, out of XXXX XXXX, I am in Texas, has never contacted me or allowed me 30 days to dispute the debt or settle the debt. Both accounts seem to be hitting my debt to credit ratio twice and who knows what is right or wrong. I am requesting it be removed from my credit report or the burden should be on both companies to sort this out and to send me correct information. I believe the collection agency should not even be allowed to collect on my credit report at all however.
Consumer complaint received 2018-07-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a student account with Bank of America. I attend XXXX in XXXX and had requested that Bank of America not let debit transactions to post to my account if the funds are not in the account. We'll, they allowed a {$2.00} charge on my debit card to hit my account and they charged me {$80.00} in fees for this one transaction. I am a broke college XXXX and they have charged me over over {$100.00} " overdraft '' fees this year! I am closing my account with them and feel they are excessive in fees, more than is allowed!
Consumer complaint received 2018-03-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc. (FL)

Receivables Outsourcing, LLC ( ROI ) frequently places robotic calls with a pre-recorded message without permission. One instance occurred on XX/XX/2018 at XXXX XXXX from XXXX. Once you call back the people are very rude and refuse to admit to breaking the law by using pre-recorded calls without being able to get a live person on the phone. They also attempted to collect a debt that was already paid to the original debtor ( a medical bill ). ROI also was attempting to collect an amount that was more than {$500.00} over what the actual amount owed was, and I verified this by checking my account on the hospital 's website. Bullying tactics and illegal calls are part of this company 's business practices. ROI 's  mailing address is XXXX XXXX XXXX XXXX, MD XXXX.
Consumer complaint received 2018-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CommonBond, Inc. (FL)

On XX/XX/2016 I applied to CommonBond for refinancing my two XXXX XXXX Student Loans into one with a smaller monthly payment. I received letters from XXXX that they had taken over my loans from XXXX XXXX ( via CommonBond ) and got my new amount and payment information. 

Two years later I found out that there was still a balance owed to XXXX XXXX. My mother was getting the notifications sent to her junk email and told me about it a few months ago. She made a payment at one point, not exactly sure why XXXX XXXX still had a balance. 

For the last couple months, I have been talking to Customer Service at Common Bond and XXXX XXXX, trying to figure this out. I got in touch with CommonBond and worked with a rep named XXXX. We spoke back and forth for a few months. Eventually, she agreed that I should not have a remaining balance with XXXX XXXX, as Commond Bond should have paid all of the remaining balance when I refinanced ( I have our email conversations. ) So I told her that I would like them to fix the issue because they messed up when they consolidated my two loans in to one. She agreed and asked me to refinance again. I went to do so, but then she informed me that my payment cycle would reset. The problem with this is that I am now under a year away from removing my mother as a cosigner. I have never missed a payment or made a late payment and I do not believe it is fair that I should have to start over when they made the error in the first place. 

I called XXXX XXXX to get the exact reason and timing why Common Bond made their error. Here is what I was given : Common Bond paid the incorrect amount for both of the loans they were supposed to pay in full for my refinance. The amount due was {$28000.00} and they paid {$28000.00}, leaving {$620.00} on one. The other amount due was {$15000.00} and they paid {$14000.00}, leaving {$360.00}. They did not do their job in properly refinancing my loan. Where I should have {$0.00} left on XXXX XXXX and only one payment to make, I have been left with two loans like it never even happened. The amount has been sitting an accruing interest. XXXX XXXX also informed me that they didn't pay the amount until XX/XX/2016, even though I applied in XX/XX/2016 and was approved.
Consumer complaint received 2021-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I received a letter from Citizens One Personal Loans dated XX/XX/2021. The letter was addressed to my maiden name and my physical address, not my current name and mailing address. The letter reads : " We have not received your monthly payment or {$450.00} that was due on XX/XX/2021 on your Citizens One account for ending in XXXX. 
To keep your account current please visit www.service.citizensone.com or call us at XXXX to make a payment or to update your payment information. We are available 24 hours a day, 7days a week. 
Thank you for your business and your prompt attention to this matter. 
Sincerely, Citizens One Important Notice : We may report information about your account to credit reporting agencies. Late Payments, missed payments, or other defaults on your account may be reflected in your credit report. '' I do not have an account with Citizens One. I checked my credit report immediately to make sure that Citizens One is not showing on it. 

I attempted to call the number listed in the letter and got a recording stating " if you received a letter concerning a late payment that you believe to be in error, no further action is needed '' and then asked me to stay on the line to speak to someone about existing accounts. I was on hold for a very long time and was never connected to a representative. I attempted the call several more times, again staying on hold for a very long time and never being connected. I then went to the website listed, which is only a login page for accounts that states " Our eCustomer Services portal is available for you 24/7. '' but there is no eCustomer Services portal link available ( unless that login page is it ). I went to the main Citizens One website, as well as their parent website ( Citizens Bank ) and found no information pertaining to letters being sent in error. 

I went to Citizens One XXXX page and found other people complaining about receiving the same letter and not being able to get through to any representatives. 

Further action IS needed. Was there a data breach? Has their system been hacked? Did someone take out an account in my name? We, as consumers, need more information than just " no further action is needed ''. We need to be aware of any issues that could lead to our data being compromised so that we can take the proper steps to protect ourselves.
Consumer complaint received 2018-10-30
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX XXXX XXXX XXXX XXXX reached out to me to accept a 4 day/3 night vacation deal to XXXX XXXX, SC @ {$190.00}. I accepted, however after thinking about it, I decided to cancel since I was told I can do so anytime prior to the vacation. I called them the next day XX/XX/XXXX to cancel and was told it was non-refundable. I sent the company a dispute email requesting a refund and again was told the same. I contacted Best Buy Credit Card services to dispute the charge, I wrote them a letter and they refunded my acct. {$190.00}. I later received a letter in XXXX from Best Buy Credit Services stating after their investigation, they determined I was responsible for the fee and they recharged my account the amount of {$190.00}. I am still disputing this charge because I don't want to pay for something I'm not going to use.
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately