davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (TX)

The first time I disputed this medical debt was through XXXX and XXXX and the sold the debt to another collection agency Argon. This is the same collection I had on there before. They sold it to a new collection agency after they removed the previous collection. I had already paid this before and it should have never been sent to collections in the first place. I attached a picture of my bank account showing what I paid. Because we were having issues with my insurance and after my insurance paid that is what I owed and I paid it. I dont owe them any money. I also have attached what I paid to the lab because they charged me for each different department. I also have attached the bill I was sent through the mail. I never received anything else from them after I paid that so I was never told it was being sent to collections because I paid and I thought we were good.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (SC)

I have had my student loan on a income contingent status I submit my pay stubs and household income and information in 2016 my account was reported as 90- 120 days late I called to inquire about this and was told since I faxed in several pay stubs for the month there was a confusion about the amount I really earned and they calculated me making 3 times the amount of my actual income I thought the account was at a payment of {$0.00} dollars monthly when I was changed to a payment of over {$300.00} dollars a month I was not made aware of this change and when I did realize it and called the company handling my loan they fixed my payments but my account still shows that my account was 90- 120 days late keeping my credit score from increasing. I would like to resolve this and get this delinquency removed from my credit reports.
Consumer complaint received 2021-06-30
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. (MO)

Per complaint XXXX Experian has requested authorization and this is my formal authorization requesting for investigation regarding complaints that was given per prior complaint. This account has several errors and inaccurate information being reported. Attached is my ID to show proof of my identity of my authorization. 

Thank You
Consumer complaint received 2018-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NY)

On XX/XX/2017, I spent {$100.00} on a NetSpend Prepaid Debit Card. {$100.00} of that was to be credited onto the balance of the prepaid card, while {$2.00} of that was paid towards the activation fee of the card. 

After purchasing the card, I called NetSpend customer support to activate the card, so that I may use it. They presented me with too many hoops and hassles to use a simple prepaid card product, so I instead requested a refund for my purchase. The customer service representative obliged my refund request, and voided my card. The balance on my card was deleted and my card was rendered unusable. He told me that a check would arrive in the mail for {$100.00}, as my refund. 

About three months later, I called in again to ask about the status of my check, because I had still not received it. They told me they would send it again, but still did not. 

Now, it has been over 7 months since they were supposed to send me my refund check, and they still have not. When I call them, they purposely make the process as hard for me as possible. They ask me to send in all sorts of documents to them, to prove my identity and address, when all I want is a refund of my own money. 

But anyhow, I oblige them and send them the documents they request. Most recently, they requested proof of address in the form of a utility bill or bank statement. I sent them said document to the email address they provided. 

Then, I get a response in the email saying that this isn't the proper procedure, because I have no reference number. Yet, I was never ever given a reference number. 

Nobody at NetSpend is willing to resolve my issues. They only bounce my issue back and forth between departments, so that nobody is ever going to help me. I only want my refund check of a {$100.00}. They have already voided the prepaid card I purchased, so it is only right that they refund me the money. I have received nothing for my {$100.00} purchase.
Consumer complaint received 2018-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (IL)

I came into this location last night XX/XX/2018 to send an emergency money wire. there was a mistake made where the funds were sent as a pickup in Illinois instead of Nevada which was listed on the original form. My party was not able to pickup the finds in the time she needed them and she had to acquire the funds elsewhere. The western union store rep changed the pickup location but by the time my party had got the funds already. I called into Western union today to discuss the situation and was met with a rude foul representative that refused to refund the fees for sending the money claiming that the company did perform the services even though the finds were sent to the wrong state initially and my party was not able to refund the money. I informed the western union phone rep that i would no longer use western union services since they were stealing service fees from me at this point for services that were originally not performed.
Consumer complaint received 2018-01-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BlueChip Financial (NV)

XXXX XXXX XXXX. at XXXX XXXX XXXX, XXXX PA XXXX ( XXXX ) XXXX obtained my credit report from XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX on X/XX/2017. This inquire for credit purposes was then released to other credit report agencies which is illegal. Additionally, I do not remember ever applying for a loan with XXXX XXXX XXXX.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

There was offer from American Express Platinum card that adding each additional authorized user with {$500.00} spending requirement will give main card holder XXXX MR points per person. I added 3 users so total of XXXX MR points, but so far I got only XXXX points on XX/XX/2017.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (NY)

I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$570.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and stole my rewards.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.
Consumer complaint received 2018-01-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( XXXX XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (CA)

This account I have disputed this account but it appears on my file still.

The original dispute took longer than 30 days for the merchant ( American Express ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.
Consumer complaint received 2018-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selip & Stylianou, LLP (NJ)

I received a letter from SELIP & STYLIANOU , LLP XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX, stating that I owe {$920.00}. Multiples companies have attempted to collect various amounts of this debt for about 15 years. The account was entered into judgement and was never served papers. Easily verifiable through the postal system. About 10 years ago, one of XXXX XXXX XXXX 's collection agencies withdrew about {$400.00} from my XXXX XXXX   account. At that time, I contested the validity of the debt and they're fraudulent practices against me and the banking industry. I never received a response. Now, in 2018, I receive another letter from XXXX XXXX XXXX certified mail that I owe {$920.00}. They have filed a court complaint docket no : XXXX and threatening to levy my wages from my employer. This is extortion and needs to be investigated immediately. Their bully tactics and predatory practices have gone on too long. This is my last hope before I contact a lawyer.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

I shared an apartment with a friend and we were evicted. My friend went to court for everything because she's a veteran and was going to receive assistance to pay the back rent, but the apartment complex refused to take the money from the agency that was there to pay the back rent. A year or so passed and I found out that I had this company on my credit as a debt owed for an eviction. I tried to contact them years ago, but couldn't get through on the number provided by the apartment complex. I told the apartment complex and I've written to the company disputing the amount due because it, at minimum, should have been divided into 2 between my roommate and I. I have also since called the apartment complex whom of which is under new management only to be placed on hold and then someone takes a message and no one calls me back. I've sent several certified letters to National Credit Adjusters never to get a letter back acknowledging that they've recieved the letters. I do have proof that letters were sent and recieved on XX/XX/XXXX and in XX/XX/XXXX. I really need this matte resolved, this is a large amount owed and I've attempted to reach them to get this verified, adjusted, and resolved without any success.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2017 XXXX XXXX sent me an email to view current auto refinance rates. I viewed the link to see what the current rates were and it sent my information to " XXXX XXXX '' and " XXXX XXXX XXXX '' as a hard inquiry and dropped my score by XXXX points! I never filled out any applications to do this. I disputed the inquiry with the credit bureaus and the hard inquiry was removed but my score remains the same. I want my points to be added back to my credit score.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2017 XXXX XXXX sent me an email to view current auto refinance rates. I viewed the link to see what the current rates were and it sent my information to " XXXX XXXX '' and " XXXX XXXX XXXX '' as a hard inquiry and dropped my score by 52 points! I never filled out any applications to do this. I disputed the inquiry with the credit bureaus and the hard inquiry was removed but my score remains the same. I want my points to be added back to my credit score.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (FL)

I have been attempting since XX/XX/XXXX to close my account with Key Bank in XXXX  since I now live in XXXX. This account has been in existence since the XXXX. 

I contacted the bank by phone on XX/XX/2019 to assist me with this problem. 
You will see from the attached document that their system continued to charge me service charges while I was in direct contact with them begging them to help me close this account from XXXX. 

They advised me to deposit XXXX cents into the account so that I could close the account. 
I did so, as evidenced on the attached bank statement on XX/XX/2019. 
They told me to accomplish this through a XXXX system transfer. 
XXXX only allowed a {$1.00} transfer for whatever reason. 

On XX/XX/2019, they again charged me a {$33.00} overdraft fee while I have been begging them on the phone to help me close this account. They have refused to do so. 

A incorrect transfer of {$1000.00} was deposited into my account in error on XX/XX/2019, and they are telling, me through not fault of my own, that this triggered the account to stay open. They will not help me to close this account and now need your agency 's assistance to do so & I am respectfully asking for your involvement. 

Thank you. 
XXXX XXXX
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I called Transunion due to the inquiries that have been applied on my account. When Transunion went through there Glitch a bunch of inquiries were added to my account that has never been there and not authorized from me. When speaking to a account representative stating to them I have proof of document that I was apart of the Glitch, they paid me no attention. I have listed the inquiries below that need to be removed or I will go for legal action.I am very aware of my rights and Transunion failed there legal rights to speak to the people on the Glitch and actions that where taking place. If you look through you can see where the inquires are even done at the same place months after ( This are not from me ). 

1XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX   XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX ( again ) XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7. XXXX XXXX ( again ) XX/XX/XXXX
Consumer complaint received 2018-01-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (GA)

I have a foreclosure sale date of XX/XX/2018. I have submitted my offer to the bank for a short sale, and the bank is stating that they can not review the documentation due to the time frame. I feel as if i am about to lose my mind. I have been trying to maintain this mortgage for the last year. I had informed my lender that i was having trouble, I have tried my hardest, and I am desperate for help. I feel as if my lender is being unreasonable and they are not doing what the government says the lenders should to provide foreclosure alternatives to me ( as the homeowner ). Please help me.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Chase reference case number : XXXX Hello, I went to a chase branch to confirm my address and ID. 

This account has been closed more than 6 months ago. I need a resolution. 

I do not accept the recall request.
Consumer complaint received 2023-01-28
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. (IL)

Several attempts have been made to remove seven ( 7 ) non-mailable addresses and three ( 3 ) employment histories off my credit report with Equifax. The website does not allow you to remove for inaccuracies ; just for " address belong to someone else, theft or fraud or I've never lived there ; without an option for non-mailable addresses and employment history.The only address to remain is my current address and current employment.

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information. Inaccurate information must be removed immediately ; these are non-mailable addresses and I no longer work for those employers.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

The second round of stimulus was issued to me on an economic impact payment card. the card was sent to the wrong address. I have not been able to contact the XXXX team to that I can get another one mailed to my correct address. There is no option to speak to person everything is automated and it makes the process impossible to fix. There should be an option to speak with a live representative that help consumers get the help they need.
Consumer complaint received 2018-01-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I recently submitted a claim for damage to rental vehicle through XXXX. On the way to return the vehicle, the vehicle was struck by another driver. Which cause substancial damage that increase the over total. I explained to the XXXX that there was a claim available and I do have representation. However, they have used tactics to damage my character for employment through partner companies. This ultimately damaged my ability to work and find closure. Nevertheless, XXXX knows about my mention of claim. I also stated to them that I will provide information for such filing. Secondly, XXXX says that I owe {$1000.00}. Finally, XXXX has not given me a fair shake after putiting me on the conversion list.
Consumer complaint received 2018-01-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (MS)

I was only late over 30 back in XX/XX/2017. I had on time payment untill I had a dispute. Then my report started showing 30 day late every month or more because of a XXXX dollar late fee That I wasn't notified of. I paid what the representative told me to pay.
Consumer complaint received 2018-01-28
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 (CA)

Worst banking experience. BofA customer service got from bad to worst, they all care is ripping customer off with their fees which the gobernment agencies must take care. It is not fair that the banking industries makes billions of $ from peoples hard work thru these type of fees.
Consumer complaint received 2020-09-22
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: JPMORGAN CHASE & CO. (UT)

Reported fraudulent transactions on XX/XX/26, chase investigated for a few days then rebilled. 

After talking with them early XXXX it was clear they didnt do any actual investigating, just based their decision off internal data. Reopened case and contacted merchants, found that a fake ID was used for purchases, I was able to prove I was several states away at the time the transactions took place, signatures did not match, and the fraudster likely called customer service pretending to be me on XX/XX/XXXX probably asking for a limit increase. 

After the mountain of evidence Chase has to show this charges were not authorized theyre still standing behind their decision the charges were valid due to POS data from a chip card
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2020-10-08
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. (ID)

A few years ago I was late a bit on my student loan payments. I acknowledge that I am the one responsible for making on time payments and for years have been dealing with the consequences of said delinquency 's. I was only late because of a financial hardship in the family that left me taking care of my mother after a car crash  when I was XXXX. I have been cleaning up my credit and have made on time payments for years now. I tried to ask XXXX they would request the removal of the negative items via a goodwill intervention letter. I have asked all three of the bureaus to remove the negative item using the same method. So far they have not. I love XXXX, XXXX, Experian, and XXXX  and I have faith that after hearing my side of this they will help me and do the right thing. So maybe my wife and I can finally move past this and buy our home. I don't want to pay a credit repair company when I know the government and the laws should be on my side when it comes to these kinds of things. 

XXXX XXXX