davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (KY)

I was a dummy and paid for this service for 12 months ( XXXX ) at $ XXXX month. This company promised to " fix my credit ''. I complained about the process several times and they assured me that " most clients start to see changes after 90 days '', and then " most clients start to see changes after 6 months '', and finally " most clients start to see changes after 1 year ''
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (WA)

Linebarger Goggan Blair & SampsonLLP sent a letter in the mail indicating that their records indicate that you have an outstanding balance of unpaid fines due to the XXXX. Please take notice that your failure to pay the below references delinquent accounts XXXX result in the delinquency being reported to XXXX  XXXX XXXX XXXX. 

It requests {$190.00} in current balance for case # XXXX. I have never received a notice from any official of XXXX XXXX XXXX- and I dont think Ive ever even been there before.
Consumer complaint received 2017-12-26
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. (TX)

I went online from a borrowed computer to request my credit report from all three credit agencies and have yet to recieve them. I was advised it could not be done online and I would receive them via mail. I do not have regular access to a computer and wanted hard copies sent to me. In order to view and correct issues. It was vital that I receive them in preparation for court.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

I applied for a credit card with Wells Fargo. I have an XXXX credit score and have never missed a payment. I received a letter saying unable to verify my SS/TID number so called the company to correct this. They refused to provide me with information or re open to application ; saying I could completely reapply. When I applied it dinged my credit score over XXXX points and I was declined for some reason I can not dispute, while dealing with a major credit score ding and a rejection which means I can not apply to another credit card for quite some time.

The person I spoke to was unhelpful and refused to help me further.
Consumer complaint received 2021-04-21
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. (AZ)

Credit Card : CitiBank, Date of Transaction : XX/XX/2021, Amount : {$260.00} ( deposit on puppy ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Opened Citibank Dispute ID : XXXX XX/XX/2021 Confirmed in Writing to CitiBank that merchandise not received. 

XX/XX/2021 Provide documentation from merchant letter that states : " If for any reason you are not satisfied with the pup we have selected for you at the time of pickup your deposit can be refunded ''. Merchant refused to allow pickup of puppy and refused to refund deposit. 

XX/XX/2021, Citibank ruled in favor of merchant stating : " We are unable to intervene on your behalf regarding this dispute. Merchants are not required to give credit if they have a no refund policy. Any further attempts to resolve this dispute will need to be directed to the merchant. We now consider this investigation complete. '' The justification for ruling in favor of the merchant XXXX no refund policy ) is directly contradicted by the letter provided to Citibank from the merchant ( " If you are not satisfied ... your deposit can be refunded '' ). It's as if Citibank never received documentation of the letter. However, Citibank Customer Service Dispute Center confirmed on XX/XX/2021 that they did receive letter attached to email.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (CA)

Greetings. Me and my business ( XXXX XXXX XXXX ) have received a lawsuit from American Express. What do you recommend I do? Do I try to ask to settle out of court, and do you represent me in situations like this? I am not sure exactly which account this lawsuit is coming from. I am having financial hardship, but am willing to work with the company. 

I attached the information and the XXXX XXXX XXXX XXXX number. They say I have XXXX  days to reply before a judgement is made automatically. I also have random law firms reaching out to assist once they saw the case filed. On average how much should I even pay for representation in a case like this, if you can not assist? Thanks. 

The amount is {$3300.00}.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

see prior complaints with american express and XXXX XXXX. 

I called American express today to make a payment as I can not pay on the portal online. Ive been trying for the past few months to make a payment but every time they tell me they dont have the authority to take the payments unless i send them an email first saying that i give them the authority to contact a company called XXXX XXXX  and them release my files to them. ive contacted XXXX XXXX  and they say they have no such authority and were simply a credit monitoring company i was using to check my score over the past year, but i havent used then now for a few months. They emailed telling me they do not know why American Express is requesting for me to have them release my file, and that we arent working together. 

Today when i called Amex to attempt to pay again, they transferred me to their collections agency XXXXXXXX XXXX XXXXXXXX and when i asked to make my payment they again said they dont have the authority to take a payment until i email them telling them they have the authority to take over my file from XXXX XXXX which i do not feel comfortable doing and feel is strange for a collections agency to be asking me?? 

Also i was never informed 60 days ahead of this being sent to collections and I only received a letter in the mail onXX/XX/XXXX but this was sent to collections in XXXX. 

all ive tried to do is pay on the balance and they keep making it impossible to make a payment as the online system wont let me me add a payment and the calls only direct me to XXXXXXXX XXXX XXXX who tell me they cant take a payment. so then my file goes with lat payments and looking. like a charge off when it never had to be a charge off. i have just tried to pay them over and over and theyre trapping me in the debt and repeatedly reporting negative remarks on my credit die to not accepting payments to my account and sending me to collections agencies that tell em they do not have the authority to take payment. 

help me pay this account!!
Consumer complaint received 2019-10-26
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FREEDOM MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-11-25
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. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2019-10-26
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 (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA N has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-26
Product: Checking or savings account — 
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FEDERAL CU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-03-13
Product: Credit 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. (TX)

I purchased a concert ticket to an event called " XXXX XXXX XXXX ''. There is an option to purchase " ticket insurance '' in the event you can not attend the event.

So, to my knowledge I had purchased an insured ticket.

The vendor emails me post purchase with a invoice with the insurance added for a total of {$360.00}. However, after that, they send me an email that they were " unable to add insurance '' to my order and now the total is {$340.00}.

The problem is, I purchased an insured ticket and received an uninsured ticket with no protection.

So, I called the vendor and told them that I need insurance for this ticket or I need my money back as I don't want to be on the hook incase I can not attend. They told me they wouldn't refund me or add the insurance. 

I immediately disputed the charge with Chase on XX/XX/2023 as I purchased an insured ticket and received an uninsured ticket. Chase will not grant me the dispute in my favor and is just leaving me in the dust.
Consumer complaint received 2017-10-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

My spouse and I reside in XXXX, Texas where a hurricane brought on a disastrous flood waters. Soon companies started making provisions to customers to allow time to make payments, including Prestige Financial. I contacted the company to make arrangements for XXXX payment to be made in XXXX ... .the end of XXXX. I received an email, which did not address when the payment would be comfortable for us to make after this disaster, what was offered I decline, the company seem to propose two payments in onXXXX month, over {$1000.00}. I decline, a manager emailed, I call back to discuss, the person was n't trained very well and only stated what the needed in 28 days and what they can not do. This sounded more like soft collecting ... she told me that no fees or negative reporting would be done, I stated to her when we could make XXXX 's payment, which would be XXXX XXXX, and continuing after. Which is the actual date of current payments, a collection letter dated on XXXX XXXX arrived threatening repossessions and law suit, I will provide emails and copy of letter in a separate complaint.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (GA)

I have unauthorized inquiries from these companies below XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  S XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

I disputed over XXXX dollars worth of unauthorized charges on my account from the company XXXX to my bank Chase . Chase conducted an investigation and said they were reversing my credited charges but I do not have a sufficient explanation. I have not used XXXX, all the dates shown have no correlation to me using the platform. Chase wont give me more detail into their decision
Consumer complaint received 2019-10-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello, This company sent TWO letters to an address NOT associated with ME! Has never been associated with ME!

They sent two letters to XXXX XXXX XXXX, XXXX NJ. 

That address has never been on file with Bank of America ( the credit card owed ). 

The person residing at that address now knows personal business of mine. 

This is unfair and a violation of the Fair Debt Collection Practices ACT. 

I am entitled to {$1000.00} per violation so {$2000.00} in this case ( 2 letters ) I will contact my attorney ( XXXX XXXX ) in case that this is not resolved correctly.
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (IA)

my husband filed a chapter XXXX bankruptcy in XX/XX/XXXX. He has since beome deceased. 
Shellpoint Mtg. Servicing bought this loan from XXXX in XX/XX/XXXX. The arrearages and the balance were the same. Originally I owed {$20000.00} and XXXX increased it to {$25000.00} in the claims process. So every month i have paid. According to the ledger at the XXXX I have about {$10000.00} to go. 
( SHELLPOINT MORTGAGE SERVICING - MTG ARREARAGE {$15000.00} of {$25000.00} ) On my credit report it says I owe {$22000.00}. XXXX  took less thsn 24 hours to dispute this and the results were the same. And on top of this they are saying they did not get paid before XX/XX/XXXX. This is untrue as they began getting paid when they bought the loan inXX/XX/XXXX. So they are showing no payments for almost a year. Will you please try to help me? Apparently XXXX  dies not care enough to really investigate the facts. I also have documents stating shellpoint tried to get a relief from stay and had to withdraw. 
Thank you
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MN)

I was suckered into this scam with promotional rates. I had my card on autopay and there was an issue in CareCredits end that they apologized for at first. Got me back in autopay and was fine for a few months. I got married and my wife and decided to converge accounts. I added my new bank account number into the online portal and they acknowledge it was entered. But the autopsy switchover they say did not take place. I closed that previous account and they tried to take money out of it. Came back to me and said that that was my second chance for missed payments even though they were the ones that screwed up. Closed my account. And now charged me over XXXX dollars in interested. DO NOT USE THIS COMPANY! They do not care about consumers. They do not care about customer service. And all they care about is sucking as much money from consumers as possible. I can not believe for one second that a company like this exists. But they have proven time and again that even if THEY mess up, its still the consumers fault.
Consumer complaint received 2021-10-04
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: Resurgent Capital Services L.P. (FL)

XXXX PULLED MY CREDIT REPORTONXXXX, AFTER CALLING SAYS IT WAS IN REGARDS TO A CLOSED CARD DATEDXXXX, THE INFORMATION WAS GIVEN TO XXXX XXXX XXXX XXXX XXXX XXXX , no phone number was supplied.
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC (CA)

This company XXXX has been trying to collect XXXX for a phone bill that I had in XXXXthat I do n't owe. I have been trying to dispute for years and its being reported on my credit report I would like to be able to have this removed and I have information stating I do n't have a balance.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/year>, I try to withdraw cash at ATM for {$420.00} including ATM fee a transaction around {$420.00} but a ATM only give out cash {$100.00} which 5 of {$20.00} bills at dispenser. Which mean they owe me {$320.00} after all.I dont have a receipt for a withdrawal but I called an ATM customer service right away after an issue to see what they can do for me but agent said it will be best for me to file dispute though my chime bank. They provide me with a case reference number. After I hang up from ATM customer service and called Chime to file a dispute right away but since it on pending they cant creat a dispute case. 
On XX/XX/XXXX, a transaction was approved and not on pending, I called my bank back to let them know so they can create a case, they said it will take 4-5 days for investigation. Come to XX/XX/XXXX, my dispute case was denied. I have give them what I have to help get my money back.
Consumer complaint received 2022-09-08
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: Kansas Counselors, Inc. (MO)

Please be advised I have requested validation, not verification, of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

Furthermore, XXXX XXXX, XXXX XXXX, Kansas XXXX, XXXX  XXXX, XXXX  XXXX  did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Consumer complaint received 2019-05-11
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: EQUIFAX, INC. (TX)

My husband and I decided to purchase a home this year and XXXX XXXX was the first lender who brought this to our attention. XXXX XXXX hasnt been the second. XXXX tried pulling our credit from equifax on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XXXX. XXXX pulled their reports XX/XX/XXXX XXXX XXXX and XXXX XXXX none of which EQUIFAX has reported a score or report. Instead EQUIFAX has sent a message to both credit requestors ( please see picture of email in attachments ). Nonetheless, when my husband and I call Equifax and request to speak to someone in the United States and to a supervisor theyve assured countless times that there is NO freeze in his account, theres NO fraud alert in his account, theres NO alerts of any kind in his file thats prohibiting the mortgage lenders from requesting his report or score. So, the last time we spoke to EQUIFAX was last Tuesday, XX/XX/XXXX. They said they would mail us a copy of my husbands credit report and weve yet to receive it by mail. Again, its been a week and 4 days thats the longest Ive ever had to wait to get a credit report. Our mortgage lenders both that weve tried to do business with have said theyve never in all their years of doing business have never ever seen this situation ever and have advised us. So we are starting with this first step in hopes you can help us as weve wasted days, weeks, months while Equifax holds one of the highest credit scores my husband has hostage.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.