davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I am XXXX XXXX military and American Express is denying me benefits provided under the XXXX XXXX XXXX. I joined the military in XXXX and opened the card in XX/XX/XXXX. I have used the chat feature on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX to try to receive military benefits. I have also called on XXXX XXXX and XXXX times on XXXX XXXX. The company tells me I am ineligible for military benefits, but I am in fact eligible due to my continued service. American Express continues to provide bad information ( like to call XXXX XXXX XXXX ) or to apply for XXXX ( which does not apply to this account ). The company has repeatedly told me they can not provide benefits to me provisioned by the XXXX.
Consumer complaint received 2023-01-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Asset Management Outsourcing, Inc. (WA)

Currently have a active complaint for debt collector known in XXXX AMO Recovery inc DBA asset management outsourcing recoveries inc with XXXX XXXX complaince officer. Here is a copy and paste of attorney general 's " Update Existing Complaint Message : claim # XXXX Claim closed on on XX/XX/XXXX Please reopen closed complaint and asking to forward reopened claim # XXXX to the correct department " Consumer Protection division of the Washington State Attorney General 's '' Consumer, ( myself ) is asking for Reinvestigation into this subject matter. Need investigation further for possible violations of Fair Debt Collection Practice Act ( FDCPA or Statute ). I need help in enforcing Washington state Debt collection laws and FDCPA laws. Debt collector is prohibited from using harassment or abuse, false or misleading representations, or unfair practices for the purpose of collecting a debt. Prior explanation from XXXX as follows ; " As of the date of this letter, we have not yet received a response from XXXX XXXX XXXX. If XXXX XXXX XXXX sends us a response in the future, we will add that to your complaint as a public record and we will send you a copy for your information. '' Consumers allegations ; XXXX. XXXX XXXX XXXX hadn't responded YET cause the original debt buyer answered to the complaint. Asset management outsourcing recoveries inc no longer licensed since XXXX XXXX. XXXX XXXX offered her assistance if it's needed any further! Writ of garnishment was properly filed in XXXX district court?? a. Are these companies properly licensed to do business in this state XXXX to bring an action that is enforcing security interest in real property which secured my obligation ( vehicle that was returned and given back in lieu of any alleged past defienceis? b. Alleged debt can you validate? c. Has all proper notices been issued? * If an attorney debt collector serves a consumer with a court document conveying information regarding the debt, that court document is a " communication '' for purposes of the FDCPA. If an attorney debt collector has had no prior communications with a consumer before serving them with a summons or other court document, that document would constitute the " initial communication. '' Consequently, the attorney would have to send a validation notice with the court document or within five days after the initial communication '' Attorney General 's is looking further into my complaints.
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I received a letter from Rash Curtis and Associates dated for XX/XX/XXXX on XX/XX/XXXX account number XXXX stating I owed an alleged debt of XXXX. After contacting Rash Curtis and Associates on XX/XX/XXXX I spoke with representative ( XXXX ) but before I could plead my case that I had no knowledge of nor authorized the account I was rudely hung up on.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. Despite repeated attempts to dispute and remove these items, they persist, causing significant damage to my creditworthiness and financial standing. 

I have submitted multiple disputes and provided extensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to thoroughly investigate these fraudulent items and remove them from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$500.00} CXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

O n   XXXX   XXXX   XXXX   a QWR and NOE was faxed  over to the lender and the have failed to respond before the sale date. The have not provided proof of debt owed. A NOE with an active sale date was faxed over on   XX/XX/XXXX  a nd they have failed to move the sale date to allow the homeowner to have proof of debt owed and make arrangements. The have failed to allow a modification review.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

There's a common practice with credit card companies that affect people with money problems. 

1. they offer a balance transfer if you open a new card. 
2. they ask you how much you make per year. ( without any evidence, people can lie and inflate their income ) 3. the company accepts your application and balance transfer. The promotional period is generous- around 13 months in this case ( Bank of America platinum ). 

4. After the promotional period, the rate rises to 24 %. This is a loan shark rate that is impossible to pay back for most middle- low-middle class people. 

5. HERE 'S THE KICKER : After approving your application, mailing your card, emailing an announcement that your card has been mailed, they delay the balance transfer payment to the other card TWO WEEKS. Your balance remains at XXXX for two weeks. 

This practice ( mailing the card, delaying the balance transfer and keeping your full credit line open at {$0.00} ), is designed to lure people into using their card for purchases. 

This is TWO WEEKS where people who don't understand the rules make purchases at a 24 % rate. It's even possible that the balance transfer might exceed their credit line when it is posted/processed if they've used their card during this two weeks. After the balance transfer is complete, they can not begin to pay off the balance transfer until they pay the balance for the purchases made earlier. This increases the likelihood that their balance will lapse into the non-promotional rate. 

This is predatory, manipulative, and deceitful. THERE SHOULD BE A LAW PROHIBITING THIS TWO WEEK DELAY. It's obviously an intentional way to take advantage of financially unaware or desperate people and lure them into using their card.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I had three credit card accounts with Synchrony Bank, PayPal Mastercard Account Number XXXX, Verizon Visa Card Account Number XXXX, and Amazon Store Card Account Number XXXX. My Verizon Visa account was closed on after missing a couple of payments due to me being in a car crash and being in the hospital, I contacted Synchrony CEO XXXX XXXX, explained my situation, and a representative from Synchrony Bank reach out to me and reopened my account on XX/XX/2023, and then closed all three of the accounts on XX/XX/XXXX were closed. They are in violation of my consumer rights of equal opportunity act. I demand that Synchrony Bank reopen my accounts due to violation of the Equal Credit Opportunity Act. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15. U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Synchrony Bank Financial has violated my federally protected consumer rights.
Consumer complaint received 2020-07-22
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. (MI)

I had my identiy stolen in XX/XX/2020. I have contacted Experian about removing the inquiries on my report that I don't reconize or I did not autherize. I sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and they will not remove them.
Consumer complaint received 2020-07-22
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. (GA)

There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX & Experian ) Address : XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX Experian & XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX ) ; Status states Included In Bkruptcy ; UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) XXXX - Date Opened : XX/XX/XXXX( XXXX ) ; Opened : XX/XX/XXXX ( Experian & XXXX ) ; Bal : XXXX INCURRATE REPORTING OF PUBLIC RECORDS : BANKRUPTCY - CHPT XXXX -FILED XX/XX/XXXX The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX 2 TIMES ) XXXX  ( 2 TIMES ) XXXX
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (IN)

I am attempting to find out what steps I need to take to get the private mortgage insurance removed from my home loan. although my current XXXX based on the value of my home from purchase is below the 20 % threshold I believe that upon a re-assessment of the home 's current value I will be above the guideline for XXXX. 

I attempted to work through the companies automated service " truist assist '' early in XXXX and the system said it would get in touch with me within 30 days. A timeline that has been exceeded as of my writing. 

I attempted to call the company on the XXXX of XXXX and was instructed by the representative to mail a request to " Truist Bank PMI Department Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX '' I sent the letter on the XXXX of XXXX and have not received a response.
Consumer complaint received 2018-07-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

On XX/XX/2018 I purchased a money order from Moneygram for {$370.00}. The Money order # XXXX. The money order has not been cashed, nor been received by my mortgage company. 
I have contacted the XXXX XXXX. But I am not getting anywhere with them. They have referred me to a web site that I am not able to maneuver. 
I would like to be able to pay my mortgage and also find out where my money is. 
In order to get my money, I will have to pay {$18.00} and if I wanted over night it is {$25.00}. 
Moneygram has not been helpful at all in replaceing my money.
Consumer complaint received 2016-07-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I was given questions to answer from Transunion however, one of the questions asked me to answer the county in which i lived? I know that I lived in XXXX XXXX, CA however, I did not know the county that city resided in! Then I was denied my free credit report as a result of it!!! I still want my free yearly credit report from Transunion!!!! This has happened to me from XXXX or XXXX and now from Transunion!!! I am tired of this being allowed to happen!!!! 

Thanks, XXXX XXXX
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Balance transfer — 
Company: UMB FINANCIAL CORPORATION (KS)

Quicktrip has offered gas station card through UMB Bank. I held a card which was paid in good standing. They switched provders to XXXX XXXX XXXX XXXX XXXX earlier this year. I changed where I am sending payments and monthly statements provided by XXXX XXXX XXXX XXXX XXXX show my account is laid. But I am now receiving collections letters from UMB Bank saying I owe on my Quiktrip account. What gives?! I have paid every statement I 've gotten!
Consumer complaint received 2020-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Multiple fraudulent accounts have appeared on my XXXX, Transunion and XXXX account. 

XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-22
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. (GA)

There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX XXXX Address : XXXX XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX ( XXXX & XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : XXXX  XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX Equifax ) ; Status states Included In Bkruptcy ; UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) XXXX - Date Opened : XX/XX/XXXX ( TU ) ; Opened : XX/XX/XXXX ( XXXX  & XXXX ) ; Bal : XXXX INCURRATE REPORTING OF PUBLIC RECORDS : BANKRUPTCY - CHPT XXXX -FILED XXXX The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 2 TIMES ) XXXX
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (WA)

I recently applied with a credit card to XXXX / XXXX XXXX XXXX. The agency they were using is SAGESTREAM , LLC with a creditor of XXXX XXXX. 

I have good credit ( XXXX according to XXXX  ) - but was denied a credit card for murky reasons : Sage LLC Credit Score : XXXX Key factors that adversely affected your credit score : 1 ) Too many delinquencies ( I have no delinquencies ) 2 ) Number of inquiries ( No inquiries were made this year XXXX ) 3 ) Number of telecommunications inquiries ( I don't know what this is ) 4 ) Applicant associated with multiple phone changes ( I recently changed by cell phone provider because I moved, I have no phone delinquencies ) 5 ) Inquiries did adversely affect the score There is no way to contact SAGESTREAM or XXXX  about this. 

I see others have had the same problem when I check the internet.
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ROC Asset Solutions, LLC (FL)

They have been contacting me since XX/XX/XXXX that I know of. They claim that I owe a debt that I know nothing about. The have contacted my sister and my job now leaving threatening messages. They left a voicemail on my company receptionist voice mail on XX/XX/XXXX stating my FULL social security numnber threatening to that they were sending a writ and that they were looking for a fax number that I called and provided on XX/XX/XXXX. The voice mail he leaves states a case number XXXX i have the voicemail saved. They also contacted like I mentioned my sister XXXX leaving a threatening voice mail stating that she or myeself or my attorney must contact him by the end of the day or else ( he did not elaborate ). When I called back he would not tell me the full name of the company, or his location. He requested my bank or card information and if not then he would be grnishing my wages. When i asked for more information he stated that he did not have any to give me and that was not his department. My biggest concern is that he is calling random numbers and leaving my social security number all over the place. I would like hep on this matter as i belive this is among other things i have mentiond ar illegal practices by a debt collector. Please help me, luckily I have an understanding employer but I cant imagine everyone is so lucky. Their website provided no mailing address only anothe XXXX number and an email see below ****If you are a consumer and have been contacted about a debt obligation, please feel free to call us toll-free at XXXX. You XXXX also fax us at XXXX. If you prefer email, then reach us at XXXXXXXXXXXX
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I XXXX am filing this complaint because TransUnion has ignored my request to provided me with documents that their company has on file that was used to verify the Public Record i disputed. Being that TransUnion have gone past the 30 day mark and can not verify the Public Record, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verify '' that I have disputed. Please resolve this manner as soon as possible. 
Thank You!
Consumer complaint received 2024-02-09
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank, who owns the stores credit cards for Rooms to Go, XXXX XXXX, JC Penney and Discount Tire they either erased my paid balances on all or they even flat out closed without my permission or request, affecting in a severe way my credit report and XXXX report. This bank is dedicated to destroy me and to destroy my family. They belong in jail and/or send to XXXX for ever. They have no remorse in destroying my life for good.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TX)

I, XXXX XXXX, a consumer of Chase Credit Card Services, received notification my limit was decreased from {$13000.00} to {$6000.00} without notice. I previously was given an increase back in XX/XX/2021 and now this company has abruptly reduced my limit due to inactivity. I was out of town on a trip with my wife and could not utilize my card to pay for our hotel accommodations when I had the funds available previously to use. This caused a major impact to my trip finances and I had to move to a different hotel costing me an additional {$1000.00}. I am very disturbed and frustrated by the disregard this company has put on myself as an outstanding consumer. I have always paid my bills on time and I travel XXXX times per month and need access to my credit cards. This has now dropped my credit scores and negatively impacted my credit. I have been an account holder for 5 years and have never been delinquent or maxed out my card. I reached out to Chase for more information as to why my card limit was reduced and they only stated due to inactivity.
Consumer complaint received 2020-12-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

USCB XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. 

This company collected a past due debt I paid off on XX/XX/20. They charged me more than the actual letter I received. I asked for explanation and was advised would receive a letter about it and also that I could request a paid in full letter. I have not receive anything yet. I called back and request made on XX/XX/20 second request made on XX/XX/20 and still not yet receive anything. There representatives are liars, assuring that I would receive this letter.