davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-02
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: EQUIFAX, INC. (TX)

I have been trying to submit disputes for some inquires on my credit report for the past few months and Equifax does nothing to investigate the inquires in question. I have been unable to get help from the company who made the inquires and now Equifax wont do their part by investigating the inquires. I have attached a copy of the inquires in question.
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

XX/XX/XXXX : I mailed in six {$500.00} money orders ( total {$3000.00} ) to Rushmore Loan Services as additional principal payment. 

XX/XX/XXXX : Rushmore received my additional principal payment of {$3000.00}. 

XX/XX/XXXX : Rushmore claimed a portion ( {$500.00} ) of my funds was rejected but refused to return my money order. 

XX/XX/XXXX : After complaining to XXXX, Rushmore found the missing funds and apologized for mishandling my funds and credited my account with that {$500.00}. 

XX/XX/XXXX : XXXX case closed. 

XX/XX/XXXX : Rushmore then immediately removed {$500.00} from my account. 

XX/XX/XXXX : Called Rushmore and left message to customer services supervisor who I worked with all this time, but never return my call. 

XX/XX/XXXX : Called Rushmore and this time I spoke to a different manager and he seems knowing the problem and told me to call me back with two hrs. 

XX/XX/XXXX : No call back as of this date .... and my problem is never resolved ... and I'm tire of dealing with them, and need help!
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WA)

First, this matter has been forwarded to the Washington State Attorney General, XXXX XXXX. Case # XXXX. The original creditor, XXXX XXXX, replied, stating they had NO RECORD OF ME IN THEIR SYSTEM. 

This is regarding a debt that I DO NOT OWE, from XXXX XXXX. The original account is from 2006, so it is PAST SoL. The original account was closed, as per XXXX XXXX, via phone, AND fully paid off. I took advantage of the SCRA, and closed original account, WITHOUT EARLY TERMINATION FEES, due to my having to deploy for 90+ days. XXXX XXXX verified this with me, via phone. No calls, no letters, nada. Until a collections letter from XXXX XXXX, XXXX. 

XXXX sold the original account, to XXXX XXXX XXXX , XXXX, who, in turn, HAS NOT, TO THIS DATE, provided me with a verification of debt. 

XXXX XXXX XXXX , XXXX, keeps selling this debt I DO NOT OWE, to servicers, even though it is PAST SoL and violates the SCRA. 

The latest servicer is Resurgent Capital Services, who responded to my previous CFPB complaint, that they would not contact me. 

But they did. They sent a verification of debt that DOES NOT verify the debt at all. It's just dates with amounts. No explanation of what the amounts due are for. Nothing. 

As far as I am concerned, as per the Attorney General response from XXXX XXXX, the blatant violation of the SCRA, the debt supposedly owed being past the SoL, and the lack of a full accounting, including a breakdown and explanation of charges due, such as early termination fee, past due amount, etc., I consider this matter closed. I have no intention of paying this. Ever. 

If XXXX XXXX XXXX , XXXX. wishes to continue to pursue this matter, either via their company, or a " servicing '' company, I will have no choice but to obtain legal services.
Consumer complaint received 2024-03-04
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/2024 I received my tax return on the American Express Serve Card. Immediately submitted payments of {$83.00} for XXXX XXXX and {$64.00} for XXXX XXXX Returned payments. I tried to withdraw money and was able to receive {$500.00} on the XXXX of XXXX and after that I have not been able to receive any money from any ATM. I transferred the remaining funds to my external banking account. I still have not received it. it said XXXX days. Now they are telling that it takes longer. I told them if I don't have it in the 5 days that I would be returning the phone call.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened an account with Bank of America online and I read the detail that said a deposit of {$250.00} need to be made per cycle in order to waive the {$12.00} fee. This was in XXXX of XXXX. I did n't realize it but I was given a 90 grace period on the fee. When the grace period came up, in XXXX XXXX, I received the {$12.00} fee and I went back and reread the details of the fee schedule. I saw that it said a direct deposit of at least {$250.00}. I set up two monthly direct deposits of {$200.00} in XXXX but I continued to receive the fee. As this is a petty spending account I did n't realize that I was still accruing these fees until XXXX XXXX. I reached out to Bank of America today XXXX/XXXX/XXXX and they refunded {$24.00}, or two months worth of the fees but they refused to refund the rest of the fees that had been charged. The issue turned out being that the direct deposit itself needed to be {$250.00} not a total of {$250.00} a billing cycle. Regardless of whether or not I get my money back I feel that this statement should be qualified so that other people are not mislead as I was.Thank you for your help with this matter.
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

I have a {$5000.00} collection letter from a collection company that mission real estate out of XXXX California sent them. I left an apartment in XX/XX/XXXX with nothing owed and received a {$5000.00} collection letter in XXXX almost 3 years after the fact after coincidentally getting into an argument with the manager at XXXX XXXX XXXX. This is a fraudulent {$5000.00} debt and has no merit this collection was done to me out of spite because they know i can't afford an attorney and this collection company " HUNTER WARFIELD '' out of XXXX Florida is fraudulent why else would a collection from XXXX, ca be sent to Florida? I'm sure nobody else would but this collection because there is no reason behind a {$5000.00} bill. Its kept me from being able to rent anywhere this year when i started looking for housing.
Consumer complaint received 2024-03-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a consumer credit transaction with Capital One which was a Secued credit card to start working on my credit score. Capital One denied me for this consumer credit transaction. While they may have a reason to deny me, it is illegal to deny me a consumer credit transaction. I have a right to credit. It is not a privilege and by denying me, they are discriminating and in violation of the Equal Opportunity Credit Act and the CCPA. Denying me access to my securities is securities fraud. If i am to be denied< i would like to retract my application. Thank you. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  In Fact Of The All Caps Name XXXX XXXX XXXX
Consumer complaint received 2018-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I responded to an ad selling XXXX XXXX tickets. I exchanged a few texts with the seller to make sure he was legitimate ( poor judgement call on my part ). He gave me his name, email, and sent me a photo of himself holding his driver 's license. We talked on the phone and he asked me to send him a payment of {$400.00} via Chase QuickPay XXXX, and then he would electronically transfer the tickets to me via XXXX. As soon as I sent the payment, the seller started acting suspicious and was not transferring the tickets right away ( we were still on the phone ). I went straight to my online Chase account to cancel the payment before the seller could accept it. The Chase website would not load correctly and I got an error message saying " This part of our website is not available right now. '' I tried multiple times to login but by the time I was finally able to get into my Chase QuickPay account, the seller had accepted the payment and then hung up the phone. Of course, the tickets never arrived and I was scammed. I tried calling him back but he blocked my phone number.

I immediately called Chase and was transferred to the claims department, and I told them my situation. In my bank statement, the transaction still showed as " pending, '' so I believed there was still time to stop the payment from completing. They said they will open up a claim and get back to me with a decision in a few days, but more or less told me that since I sent the payment and the seller accepted it, there was not much they could do. I then ran into a local Chase bank branch and told them what happened again. The branch manager called the claims department and essentially told me the same message. This all happened within 1.5 hours of getting off the phone with the scammer. One XX/XX/XXXX, I was told by Chase that my claim was deemed invalid.

I understand I made a poor judgement error. But I could've canceled the payment if the Chase website were working correctly, and I also believe Chase should have protections against this kind of fraud. I am now short {$400.00} and I just want my money back.
Consumer complaint received 2022-01-06
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. (VA)

I had an account with XXXX XXXX ( medical bill ) this I paid completely off in early XXXX of 2021. XXXX and XXXX have removed this from my credit score sometime during the third week of XXXX but experian hasn't in the past month and I haven't been able to contact a human about this issue in the last few weeks of calling them. There is no real option they give through the automated prompts that are able to help me with my issue. So now since majority of credit card businesses and mortgage companies seem to use experian in my area I am getting denied with them saying I have something in collections that's due when I do not. They are not getting a complete and accurate credit report. It shows I have a collection due when I do not and I would like to have it removed just like with XXXX and XXXX.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$640.00} XXXX XXXX   XXXX {$110.00}
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX Disputed account # [ Capital One # XXXX ] XX/XX/XXXX XXXX and XXXX XXXX claiming they investigated what I have disputed about late payments : however, they just sent a copy of my consumer report thinking I am stupid enough to accept that as confirmation a of an investigation. I request deletion of the late payments from XXXX and XXXX. Attached is the last letter I sent them.
Consumer complaint received 2021-07-05
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report
Consumer complaint received 2020-03-23
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. (GA)

I have reached out to XXXX, Experian and XXXX six different times in regards to having two bankruptcies removed from my credit report. Dates being XX/XX/XXXX and XX/XX/XXXX Certified letters were sent from my doctor explaining that I have XXXX and XXXX which affects my decision making at times. These bankruptcies were filed when I was ill and my medical conditions were beyond my control. I explained to XXXX  that there was no balance on each of the bankruptcy because they were never completed do to my being ill at those times. Even with all of my certified letters from my doctor and from the bankruptcy court, XXXX  refuses to honor and respect my medical condition and have these XXXX  balance items deleted it from my credit report please assist and having these items deleted and removed from my report so that I can move forward with my life now that I am well. Thank You
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (AL)

I purchased an automobile through XXXX XXXX buyer protection plan, in which I was instructed. to purchase gift cards to cover the cost of the car plus insurance and Oklahoma border fees to ship the car from California. All of this totaled {$3500.00}. The car never arrived so I attempted to get my money back from XXXX and PayPal, because PayPal are the managers of funds. I contacted XXXX XXXX  customer. Service and found that the funds had been spent all except about {$230.00}. Since I did n't spend it and I did n't receive the item that I purchased I am due a refund.
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc (WA)

On X/XX/17 received a letter from Pudget sound collections in wa state. PSC account # XXXX. For XXXX Interest : XXXX = XXXX I paid them X/XX/2017 In  full they gave me a receipt to take to DMV to have my lic unsespended..Have the receipt.. Now they say I still owed them {$55.00} plus {$360.00} In Interest.. That does not sound fair to me. have a receipt with SIC on receipt saying paid in full case closed.
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (PA)

On XX/XX/XXXX I was told that I needed {$460.00} to clear a repossession order for being 70 days past dueXXXX  On dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made payments totaling {$770.00} ... They have still issued a repo order and I was told today that I have to pay {$250.00} today or my truck will be taken. I was further told that I'm 113 days past due, even though on XX/XX/XXXX I was told I was 70 days past due and needed only {$460.00} to clear the repo order XXXX I paid almost double what they needed to clear the repo, yet today I was told I'm in repo session status and 113 days past due
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MST Financial Services, L.L.C. (WA)

XXXX  sent out the first notification of debt in late XXXX. I received the notice on XX/XX/22 and it indicated I had the right to 30  days for disputing or paying the debt. I received a voicemail from a collector XXXX at XXXX on XX/XX/22 at XXXX indicating he was from XXXX XXXX XXXX  and requested I give him a call at XXXX. He did not mention he was attempting to collect a debt in the voicemail so I returned the call at XXXX. He advised who he was and that he was attempting to collect a debt for my utility bill and asked if I wanted to set up arrangements. I advised I was still within my 30  day window for dispute so he was harassing me by calling before that time was up. He apologized and hung up.
Consumer complaint received 2018-02-08
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. (CT)

XXXX XXXX BANK XXXX NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. ( TransUnion, XXXX, and XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( TransUnion, XXXX, and XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP.
Consumer complaint received 2017-10-03
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: AES/PHEAA (SC)

I do not have a contract with American Education Services ( AES ) however they are reporting on my XXXX Credit Report that I owe a debt. In addition, I have requested a full validation of alleged account that is being reported and XXXX completely ignored this request and certainly did not respond to the request within in the 30 day required timeframe.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

I filled out an application with American Express for a new XXXX credit card because I wanted to take advantage of a promotional offer. I was emailed a status update which I had to go to a secure site to check and was notified that i was declined. I then called a phone number which informed me that was application was declined due to an account I had with American Express being closed out with a balance on it. I have never had a personal American Express card but a Corporate Card. 

I had started working for my former employer XX/XX/XXXX. Due to illness and multiple XXXX I went on sick leave from XX/XX/XXXX. I did not return to the company until XX/XX/XXXX and where I was promptly laid off from my position. During the separation meeting, I informed XXXX XXXX that there were some charges from my Corporate Card from travel that occurred at the end of XXXX and first couple of days in XXXX for a XXXX XXXX   XXXX that needs to still be expensed but I didn't get a chance to since the charges had been purged from the system by the time I returned to work so there was no way for me to expense the items. 

What incenses me about this is because Corporate Cards are not issued on individual credit but n corporate credit. Even if I had used  the card or personal purposes, eventhough I did not, it should still not reflect on my personal credit as I never used personal credit to get the card. 
Without disclosing my medical condition, I was forbidden to access any work items during my sick leave. I shouldn't have to legally do this. It is very upsetting. 

They need to remove this for my credit immediately and request the company pay them by their contract terms.
Consumer complaint received 2019-03-08
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. (VA)

On XX/XX/XXXX, I attempted to secure a loan with my XXXX XXXX XXXX XXXX ( XXXX ), whom I've been banking with for well over 20 years, and have secured two separate loans between XXXX - XXXX which have been completely paid off years ago. 

After submitting my loan application via the telephone, I was informed that EQUIFAX has a freeze on my credit information, so my loan was denied. Naturally by having a hard inquiry done, my current credit score dropped approximately 40 points. 
The XXXX Representative, provided me with EQUIFAX 's phone number, and suggested I contact them to find out why there was or is a freeze on my account, which I did. 

I called EQUIFAX, and found out that somehow, they had me listed with the incorrect date of birth, and my name was missing my middle initial. After a short tirade by me over how that could be, when I've already have secured two different loans, and received a credit card all within the past 10 years, that all of a sudden, my personal information appears wrong in their system, which is negatively affecting my ability to receive any future loans. 

The gentleman i spoke with, stated that he was correcting the DOB information as we spoke, and that if I wanted to have corrections made to how my name appears, that I would need to send them copies of my DMV license and social security card information. ( I'm not comfortable sending that type of information about myself whether it's by FAX, or US Postal Service ) I was given a confirmation number from EQUIFAX ( XXXX ), and was told or assured that it was done and that I should have no further issues, and that my credit report had no freeze attached to it, and that I should reapply for the loan, with better results. 

I contacted XXXX again on XX/XX/XXXX, about 5 minuets after speaking with EQUIFAX, and informed them what the problems were, and they shaoud be fixed at that time. Another loan application was done, and another hard inquiry was done, and around XXXX XXXX, XXXX XX/XX/XXXX being that I wasn't notified earlier about my loan status, I was told that there was still a freeze on my credit from EQUIFAX, so my loan was again denied.. 

Obviously, I'm not happy about any of this, and I need help in getting this rectified. 

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA ( XXXX ) XXXX XXXX XXXX