davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I disputed 2 transactions that fall under regulation E for chime to receive a provisional credit that was due XXXX XXXX. I even have recordings of the reps telling me it should come XXXX XXXX, but chime continues to give me the run around. I filed with the XXXX as well and Im about to respond to my complaint with the XXXX  after I send this complaint. I had to call 4 times today and I have yet to receive a resolution. I have it documented with recordings from dispute reps saying that Im indeed due for a provisional credit for XX/XX/2023. I can even send the recordings via email.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WA)

American Express announced that from XX/XX/XXXX they will be offering a {$200.00} hotel credit for prepaid bookings made on their XXXX XXXX & XXXX XXXX I prepaid for a booking at The XXXX XXXX on XX/XX/XXXX for {$340.00}. 

Amex had initially credited {$200.00} for previous bookings ( before XX/XX/XXXX ) I made, but, ultimately, I had to cancel those trips due to Covid. They debited the credit for previously canceled bookings but never re-applied the credit for my still open XX/XX/XXXX booking, which I then completed on XX/XX/XXXX. Their automatic crediting system failed to see I had made another eligible booking for which the {$200.00} hotel credit should be applied. I raised this concern to Amex and had a rep manually issue the credit, but I only received {$110.00}. Im still missing {$85.00} of the {$200.00} promised to me in XXXX for spending on their online travel agency. 

I raised this problem to Amex again saying Im missing {$85.00}, but they concluded on XX/XX/XXXX that Im not owed anything more because the full {$200.00} was issued. This is categorically false. The backend team failed to tally up all the times the credit was applied and reversed and see that Ive been net awarded {$110.00}, not {$200.00}. They couldnt even tell me what the date is of when the full credit was issued. I have raised this up with them 5 times and have been waiting 5 months for a fair resolution. Amex is encouraging customers to spend on their luxury XXXX while promising a {$200.00} rebate as part of paying a {$690.00} annual fee, but their booking system cant handle when a customer books and makes adjustments to their travel plans. Its frustrating and anxiety inducing to use this benefit for fear that theyll conclude the customer is not owed anything, yet theyve still collected all their fees.
Consumer complaint received 2021-05-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (NV)

They never admit that they are a debt collector and that they are attempting to collect a debt. The information they have is incorrect. It lists XXXX XXXX as the employer ( XXXX  XXXX XXXX XXXX ) when my employer was XXXX. They are listing insurance that I did not have at the time I was admitted to the hospital. The insurance that I had and still have that should have covered the bill was Nevada XXXX. I called the hospital and Nevada XXXX is listed as the primary insurance. I have directed them to the billing department for the hospital and the insurance company but they refuse.
Consumer complaint received 2021-05-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (OK)

I reached out to Midland Mortgage about removing my late payments and they declined, They are in Violation of 15 U.S.C 1681 a. section ( 2 ) Exclusions. ( i ). This information was solely between me and the organization. Additionally, they are in violation of 15 U.S.C. 1681 ( a ) # 4 my Right to Privacy ; also, violation of 15 U.S.C. 1681a 2 ( b ) any transaction that arose from using my ssn, dob, or services that I initiated should not be listed on my consumer report. I have not given written permission to report this information to my consumer report. ( Violation of 15 U.S. Code 1681b ( a ) 2. 


My driver 's license attached.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MO)

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 




Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletions. 

Thank you,
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Risecredit, LLC (AL)

I paid this debit in full once I was able. They they labeled it as paid off or bad debt and left it in collections at 0 valence. Then my credit score went down over 20 points because they made it look like ireopened the account like I missed a payment, only I didnt. The collection was only opened to be looked at so I could pay it off. I literally have the pay off letter in my hand as Im typing this note, with the account number, dates and everything. They left it in collections in all credit bureaus I believe except one maybe.
Consumer complaint received 2022-01-12
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: Experian Information Solutions Inc. (NC)

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my third times to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Balance {$4800.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXXXXXX, MA XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-10-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/20 I had a direct deposit from XXXX  XXXX XXXX XXXX in the amount of {$10000.00} for back pay of Missouri Unemployment claim. Transaction ID # XXXX when I attempted to use funds paypal advised me that my account was limited and to send in a copy of my ID and to verify previous transactions on my account, which i provided all information they requested. I was then advised my account has been closed and I would need to wait 180 days before my funds would become available to me. I attempted to contact customer service multiple times which took my entire day. I spoke with an employee named XXXX emp id XXXX who refused to transfer me to a supervisor and after a hour of refusing ended up hanging up on me. I then spoke with XXXX who transferred me to a supervisor that refused to provide me his name and wouldnt answer any of my questions and hung up on me again. Im demanding that my balance of {$10000.00} to be released immediately so im able to move the funds out of that account and permanently close my account with paypal. This has not only caused problems with previously arranged payments but also has caused a problem with receiving payment for multiple jobs. I will NOT wait 180 days until they release my funds when ive not been given a valid explanation of why they are holding my funds. I expect my funds to be released within the 15 days of my complaint.
Consumer complaint received 2020-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (MI)

I sold my XXXX on XX/XX/2020 with Visonary title. The title company send wire transfer of XXXX $ to my account at Synchrony Bank ( high yield saving account ). The title company missed spelled my name, and Synchrony bank rejected the wire transfer. 

However, the title company which they have account with XXXX XXXX XXXX never received the money. Every time we call Synchrony Bank, and one of the representatives gave me different information. I had spoken to mangers and supervisor at Synchrony Bank, every time they said the money never reached us, and we rejected the wire. 
First Call they said we have to send the back in same way using the same IMAD number. 
2nd call they said the wire will be there in 24 hours 3rd call they said 1 to 2 business days 4th call the manager said her name is XXXX said 2 to 4 business days And many other calls still the title company didnt receive the money, The title company are working closely with XXXX XXXX XXXX, and as of today XX/XX/2020 the money are not received by the title company. 

IMADXXXX
Consumer complaint received 2024-02-28
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. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XXXX - XX/XX/2023 amount {$450.00}
Consumer complaint received 2021-06-07
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. (TX)

I have repeatedly contacted transunion regarding that an unverified account by XXXX XXXX XXXX be removed from credit report. They always respond saying the item has been verified. I specifically asked that the investigation be conducted manually as I objected the e-OSCAR system. I've asked for proof on how Transunion conducted their investigation and never received the proof. They finally removed the account. A few weeks later the account was reinserted. I never received any notification within 5 days, per FCRA, after the reinsertion. I am still waiting for the original document that shows I agreed to pay XXXX XXXX what they claim I owe.
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (NC)

I sent certified mail via USPS to Equifax on XX/XX/21, giving them all my current information and requesting that they delete all old addresses on my report. More than 30 days later, they have made no efforts to contact me. In addition, none of the old addresses have been removed. 

Equifaxs refusal to update my incorrect items is not only keeping susceptible to identity theft, but its hindering my from applying for credit
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (FL)

I bought a car that came with defects, needing to change the engine less than 30 days after purchase. Although it was a car with problems, I tried to solve it with the insurance company offering to repair the car. After that, the car was a horrible problem with seemingly endless repair expenses. Some time after the purchase, unfortunately I had a financial problem and contacted WestLake financial, to evaluate the possibility of returning the vehicle. During the phone call, the attendant said not to worry, offering me another 30 days to pay the monthly installment, adding a small interest rate. Two days later, another attendant called me, saying that I would no longer have the time granted to me, that there was some problem in the system, denying me more time. The attendant then told me that the ideal thing to do would be to voluntarily return the car. According to the information given to me, I thought that the car would be sold and that the pending amount would be deducted from the sale price, since I had paid more than 60 % of the vehicle 's value. From that moment my life became XXXX. WestLake sold the car for the price they decided to sell, they kept my car for months and as a result they claim that the monthly payments for the time the car was with them need to be paid adding an even bigger debt. Today, XX/XX/XXXX, trying to find a way out, I called Westlake Financial for assistance around XXXX. The attendant called XXXX was extremely rude, shouting into the phone, saying that I owe money, while I just asked him to send me the email containing the information I needed to assess what could be done. They claim that they sent an email that I never received and a letter that would take a few days to arrive at my residence with this information. As a customer, I believe that receiving detailed information regarding the date of sale of the car, amounts charged, fees, etc. is my right. I requested a resend of the email which I never received and felt extremely humiliated. I tried to speak with a supervisor named XXXX, who was extremely rude, replicating the attendant 's behavior. I requested to be transferred to the customer service sector so that I could obtain the information I wanted and report the humiliation I had suffered, they left me on hold and ended the call. I believe it is my right to receive information and try to force someone to pay something by shouting on the phone and humiliating them in this way, it is a crime. This is extremely serious. There was difficulty in providing information from the beginning and a clear impediment to sending information transparently was not carried out, trying to humiliate me and pressure me to make a payment of approximately {$4000.00} dollars without me having the possibility to evaluate the necessary information.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Ive recently sent in letters to ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. They still are continuing to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2. 

My only and and current Address : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX My Date of Birth : XX/XX/year> Last 4 of Security Number : SS # : XXXX
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

I have tried to obtain a free copy of my credit report for over a month. I have not even received a rejection notice. The problem may have been a recent move, so I have opened a post office box that is easy to validate. I need a free copy of my credit report from each respective credit bureau immediately. Thank you.
Consumer complaint received 2021-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (MA)

I XXXX XXXX make a sincere request to three of my creditors, for relief of a one-time late payment during a month where I was hospitalized for XXXX from XXXX. I am a veteran of the United States XXXX, and I served in the XXXX during the invasion and ultimate success in securing freedom for XXXX. However, over the years I dealt with the XXXX problems, and in XX/XX/2019 I was hospitalized where I had no access to pay my bills on time. Several creditors already removed the 1 X 30- day late payment as a courtesy to a military veteran. I am now 100 % covered by military XXXX, and I also work full time running my own XXXX. I believe that my business will go through high growth periods over the next five years, and my excellent credit history was always a priority in my life. Accordingly, I respectfully request the XX/XX/2019 late payment as I was not in any position to attend my affairs. I am now healthy but there was a short time in my life, dealing with XXXX was impossible. I thank you for any consideration you can show me. Thank you. XXXX XXXX
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Collection Agencies, Inc. (AZ)

I got a voicemail from this collection yesterday. I called them today after googling the company. I spoke to two reps today and theyre claiming XXXX XXXX XXXXXXXX XXXX  my file with an old name to them 10 days ago with two outstanding amounts of {$1700.00} and {$1700.00} from a service date of XX/XX/21 at XXXX XXXX XXXX XXXX They stated me calling the company directly wouldnt help since XXXX already sent my info to them. They claimed theyd need me to send EOB information to show the claims were paid at the following email address or XXXX. 

Phone number ( XXXX ) XXXX XXXXXXXX XXXX  and XXXX XXXX today. 

I called XXXX XXXX XXXX who has billing with XXXX at XXXX today they said I have a {$0.00} balance. I called XXXX XXXX billing they said the same thing {$0.00} owed. I called the medical provider side of Steward Billing all between XXXX and XXXX today they said they have no record of me in their system or any account and that this is a company trying to scam me. They said this happens all the time and they get calls from concerned patients routinely. 

This collections company told me two referenced numbers to reference when sending them an email XXXX and XXXX. 

Knowing I have no outstanding balances and checking with my insurance company as well, this company is scamming innocent citizens who dont need this extra stress and hassle in their lives. 

Please report them immediately.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (NC)

In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violented my rights.15 USC 1681 Section 602 State I have the right to privacy. 15 USC 681 section 2. It also state a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer plan as late purpose.
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (GA)

Preferred Collection and Management is trying to collect a debt that I do not owe and does not belong to me. I have requested this company to provide validation of debt from original consumer, which I have not received any information relating to my request. I would like Preferred Collection and Management to remove this derogartory collection account from all credit bureaus immediately.