davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Processing Services, LLC (VA)

On XX/XX/2024 I received several back-to-back phone calls from an unknown number while at work. I answered the phone to someone that I couldnt quite understand due to our language barrier, but the persons attitude was horrendous while trying to collect a payday loan on a debt claim that I applied for it when I lived in a city that I have not lived in for the past XXXX years. This individual did not want to hear that and they started to threaten me that they will take my paycheck at first. It was XXXX XXXX of my check and then I told her can she please give me verification of the depth that I owe and then it went up to XXXX XXXX that I would owe if I tried to get out of paying them I did not want to get out of paying anything. I just wanted to verify what they were saying as well as provide proof that I have been living in a totally different state than what they claim the loan was under. They refused to tell me the companies name they refused to give me an account number or tell me the total that I Owed, the lady tried to rush me to give or she would go to the courthouse the next day with the claim. I explained that I needed to call back because I was on my way to a meeting. This person was yelling adamant that I give them some thing as a down payment or way for them to hold a card on file and foolishly, I did provide them And checking number and told them to wait until we can talk again because I need to verify some things. They promised that they would send me an email with more information but they did not. They sent me a document for me to sign with a payment plan involved after looking up this company they are a scam and have been scamming people for years.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Westcreek Financial (FL)

The company XXXX XXXX  XXXX in XXXX did not gave me the full info about a loan. 
I purchased 4 mattress from this store with a {$40.00} down payment and 90 days same as cash, but he did not explain that I will be charge twice a month {$270.00} basically 10 % every 15 days until I paid the full amount in 90 days. 
When I received the mattress the next 3 days I let him know that the quality of 2 of them were really cheap and I wasn't happy with my purchase, he said that he went to vacation but he will resolve the matter as soon as he arrives, days pass by and now he said that he can only exchange them for the same mattress if there is something wrong with it, the store did not have any refund policy but the mattress itself has a 30 days warranty but only for the same on if there is anything wrong. 
Time to make a payment, received a text that my account is past due, surprised by the twice a month charge that was not explain to me at the store, made a payment online on XX/XX/XXXX for {$300.00} expecting to be enough and call the loan company Koalafi to made sure they received the payment and explain my situation because the loan of 90 days was not an option anymore and from {$2700.00} was now {$4200.00}, they gave a one time courtesy for missing a payment and advice to not miss anymore and my next payment is on XX/XX/XXXX my account when back to the 90 days loan. 
XX/XX/XXXX surprise received another text by the loan company that my loan is behind, I called them and ask for a supervisor and explained that happen before, now she said that I made a partial payment and she could not do anything because i already have the one time courtesy. I asked why on the XXXX when they review my account did not told me that I was missing another {$170.00} to put my account current and my account was again not eligible for the 90 days loan and jump again to XXXX 
as a consumer if we dod not have all he info how can we made the right decision. 
The supervisor did not gave me any solution and stick to the not eligible loan and the {$4200.00} ....
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (IN)

On XX/XX/XXXX I paid Continental Finance Company the balance owed on my account of {$1100.00} plus a fee of {$5.00}. The account was in collections but I was able to pay it off. A few weeks later, I received a collection letter from XXXX stating I owed {$1100.00}. I called XXXX and was assured this was a timing issue and not to worry about the collection effort. I received no more collection letters until XX/XX/XXXX. It was from the same company, for the same account and the same amount. I admit I had not looked at my credit report in some time but went to check it at that time to see that for the last 12 months ( now XXXX months ) I had a derogatory mark for collections on my report. I contacted XXXX XXXX separate times about this issue. I was told a letter showing I had paid the account on XX/XX/XXXX would be sent to me to forward to the collection company and resolve the issue. I never received this letter. I filed a negative review on the XXXX XXXX  website against XXXX and their " XXXX XXXX XXXX '' contacted me about the issue, saying they had recalled the debt from XXXX. I waited XXXX  days and contacted XXXX collections and they said this was not true. I have since filed a XXXX complaint with no response as of yet. My credit has had a derogatory mark on it for XXXX months and I have been unable to get XXXX to fix the issue and I want the derogatory remark removed from my credit report. I've attached the email I received from XXXX as well as bank statement showing I paid them in XX/XX/XXXX.
Consumer complaint received 2024-05-06
Product: Credit 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)

I had been an American Express customer since XXXX. In XXXX, I started XXXX XXXX XXXX, which allowed me to pay off some purchases with fixed monthly amounts at no interest. Every month, I logged into the American Express XXXX and paid my Adjusted Balance, which they state is This amount includes your monthly XXXX Payment Due and the non-XXXX portion of your Remaining Statement Balance. It does not include XXXX  payments due in future months. 

Upon payment of the last statement to close out the XXXX XXXX XXXX  ( which again were paid in full ), I was told that I still retained a balance on the card. I paid in full every month, so this could not be possible. A chat representative confirmed this, the rep I cancelled all my cards with confirmed this. 

This is a confirmed technical glitch that they are unwilling and incapable of acknowledging. I don't know how this happened, but it's not my fault and I do not owe the amount they are claiming that I do. I have sent them XXXX letters including XXXX certified letter. I am not asking for statements, I am asking for someone to explain the confirmed glitch as it's been confirmed I do not owe the money and have in fact paid it off. 

Either American Express had a technical glitch that showed I had made no payments to the plan, or they have illegally marketed the plans as XXXX thing and then enforced another. I intend to pursue this until it's handled, and will not return to being an American Express customer after over a decade of loyalty.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Im writing this letter as I would formally like to appeal Bank of Americas decision on Claim ID : XXXX. 

On XX/XX/2022, four unauthorized ATM withdrawals were performed at XXXX XXXX  in XXXX XXXX from my Personal Checking Account ending in XXXX. Details on the four unauthorized charges are noted below : {$500.00} - # XXXX {$300.00} - # XXXX {$100.00} - # XXXX {$53.00} - # XXXX I noticed the unauthorized transactions that same day and called Bank of America to open the claim. I made it clear that I always had the card in my possession and shared with the agent that I was traveling in XXXX XXXX, California at the time. The investigation was opened and on XX/XX/2022, I received notice that my claim had been denied as the bank had found the charge was authorized by me or someone that has permission to use my card or account which is false. I submitted an appeal letter noting that I was in XXXX XXXX, California at the time the unauthorized transactions happened, making it impossible for these transactions to have been done by myself. There is no one else other than myself authorized to use my account. I included the following in my letter Air travel confirmation XX/XX/XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - Ticket # XXXX Friday XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Ticket # XXXX Hotel invoice - XXXX XXXX XXXX XXXX, CA- XX/XX/XXXX XXXX XXXX XXXX  Credit Card Statement noting transactions between XX/XX/XXXX and XXXX in XXXX XXXX XXXX CA I never received a response to this letter appeal letter even-though I requested a copy of the documentation used to make this decision and request that the case be reopened and further investigated as these transactions were unauthorized and I should not be made responsible. 

I called the bank a number of weeks after and they noted that no further actions would be taken on their side as they stood by their decision to deny my claim, stating the a card with a chip was used for the transactions. To this date they have not taken responsibility for this fraudulent activity on my account and are making me responsible. They still have not provided any proof ( i.e. pictures taken by the ATM at the moment of the transaction ) to support their position. 

If any additional information is needed please feel free to reach out.
Consumer complaint received 2022-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

Hi IC SYSTEMS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (CA)

I have an XXXX  in XXXX XXXX XXXX XXXX on XX/XX/XXXX an they asked me for a co-payment of {$550.00} That I paid before the procedure, after months receive a letter from the hospital that I owed {$880.00} and when I called they couldn't explain to me what that come from, after the four time calling them they told me that it was a coinsurance copayment, I Have called the insurance several times and they said it was paid what the hospital billed on XX/XX/XXXX, even those they send me to collection, please can you investigate this?
Consumer complaint received 2021-09-01
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (OK)

I was an authorized user on my wifes two Citi credit cards, and I was removed as an authorized user in XXXX and was told it would be removed from my credit report when the next statement closed. It was not, so we placed another call to Citi who advised a dispute should be open with the credit report agencies. Submitted dispute, and Citi certified to XXXX  the information reported was correct. Confirmed with Citi that I am no longer an authorized user. Citi advised I would have to write their dispute department and provide the full account numbers which I do not have to write this letter as Citi would not provide this information.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IN)

I have opened an smart checking account with US Bank with a promotion code over phone. But later after meeting the required criteria, bonus was not credited... I dialled up customer service and informed about the issue. They informed me that there was no promotional code was applied to my account. After insisting, they said will raise a request with research team and asked me for the code which was used. I told as it was over 3 Months, But on insisting I gave them a code which I could find on internet, and said it might be the code. They informed me that a ticket was created with research team. After a week I dialled the customer service again but they informed me that request was denied as it does not meet date criteria in which account was opened. So I asked them to check if it was some other and trace it call records as I opened the account through phone banking and use that promo cod. But they denied saying they can not check that call records and bank denied me with promotion bonus even after meeting the required criteria. As per the promo code, I was eligible for {$500.00} bonus. They denied taking any further request to look into the issue.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2019-02-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (MD)

I initiated money transfer through xoom.com which was supposed to be instant, after 6 hours I realized the money was not yet paid. I called xoom.com customer service and was told the transaction was delayed due to technical difficulties. I called back after 24 hours, the customer service agent told me she was going to check and get back to me immediately, she did not call back. I called back after an hour and requested to cancel the transaction, then, the customer service agent told me that transaction could not be completed by the recipient bank. This I do not believe because when I spoke to the customer service manager he said the money was with ACH. 
I requested for an instant refund, but I was told the money will be refunded to me in about 6 days from the day of the phone conversation. 
It is very unfair that money was taken out of my account, the transfer was not done, it took many calls for xoom.com to confirm that the transaction was not completed, and it will take almost 8 days from the day I initiated the transaction for me to get my money back. 
Companies that claim to offer instant international money transfer service should have the responsibility of informing customers within few minutes if they can not complete the transaction because it is not a free service.
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (FL)

Upon checking some personal credit I discovered this company called NCA on my profile furnishing deceptive and untrue claims. I have no agreements or contractual relations with this company and really upset for the company that help furnish this on my personal credit profile.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

This company is violating the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report nor shall it show any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The following accounts and balances shall be removed immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-01-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (CA)

I recently requested a 30 day quote to purchase the XXXX  XXXX XXXX from the current lease I have on it. I requested a quote to purchase it as an individual and as a company as I own two auto dealerships. Ally Financial quoted me {$33000.00} to purchase it as an individual and {$55000.00} to purchase it as a dealer. I believe this is completely unacceptable and in violation of the lease agreement. I shouldn't have to pay more to buyout the lease just because I own an auto dealership and I'm wanting to purchase through the company I own. I would like to come to an amicable resolution so that this does not get escalated to the XXXX XXXX XXXX XXXX Court system.
Consumer complaint received 2024-05-03
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: AMERICAN EXPRESS COMPANY (MA)

I requested a statement credit for {$180.00} today. For a stolen payment to my credit card company, and the bogus {$29.00} fee their customer service automation added. 

The other bank ( XXXX ) says there is no record of the payment being returned. The AMEX record consists only of their self-substantiated claim, with no confirmation number from the other bank. {$160.00}, taken on XX/XX/XXXX. The claim it was returned was post-dated on XX/XX/XXXX. They also have to return the {$29.00} returned payment fee, because they lied. Unethical and unfair.
Consumer complaint received 2021-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc. (GA)

On XX/XX/2021 Associated Credit Union sent me letter alleging I owed them a debt. 

I mailed them a letter on XX/XX/2021 asking them to furnish proof. 

They mailed me an invoice that did not have any signatures or contract language showing I owed them or the original creditor what they're claiming I owe. 

Only XX/XX/2021 I mailed a second request for compliance. 

They NEVER replied to my request for compliance, instead they waited until XX/XX/2021 and sent me the exact same letter they on XX/XX/2021. 

Due to the fact they ignored my request for proof twice, it is my belief that they're attempting to see if I do not respond to this letter in their 30 day time window so they could unlawfully post their account to my credit report. 

I am sending this complaint in hopes that they stop harassing me for good. Thank you.