davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-28
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Funding LLC has been using illegal collection tactics. They negatively re-aging XXXX of my very old accounts, causing them to falsely appear more recent in my credit reports and to stay on my reports longer than allowed by the Fair Credit Reporting Act. They are incorrectly reporting the dates of first major delinquencies as XXXX, XXXX, and XXXX which are ALL AFTER they took over the accounts from the original creditor. The true first major delinquencies were XX/XX/2007. Thus, this collection agency is unlawfully negatively re-aging the accounts. I have not made any payments nor engaged in any activity with this collection agency nor the original account creditor since XXXX. The dates this collection agency have reported are therefore completely and illegally fabricated. I request that per FCRA requirements, these XXXX accounts be removed from my credit reports due to the original accounts being over 7.5 years old.
Consumer complaint received 2015-08-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX, XXXX. 's ( XXXX ) Attorney XXXX XXXX XXXX ( XXXX ) filed an affidavit in federal court pleadings, exposing my social security number today, along with my DOB and Texas Drivers License Number. I spent {$220.00} with a credit monitoring agency and food to work late on this. I missed my home cooked meal because of this. Is this just the start or does it end here. Anyone can see my social security number in cause no. XXXX on the pacer.gov website. Earlier today before all this happened I had called Capital One and asked to speak with XXXX XXXX who welcomes my questions or concerns and gave me number XXXX. But in reality the people who answer the phone never let you talk to XXXX and they just say you have to call the attorney. So it seems that XXXX is their agent in all the matters before us, in our common law, they are responsible for their agents. So when I call them tomorrow to ask them about their agent, who released all of my sensitive data out for everyone to see, are they going to tell me to call their agent XXXX, or are they going to talk to me? Who gave XXXX my social security number? Who is responsible for the breach?
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I applied for Amex business gold card after seeing a sign up bonus of XXXX offer after {$10000.00} spending. The offer applies to all new business gold members. I have never had an Amex business gold card. On XX/XX/XXXX, I fulfilled the {$10000.00} spending requirement but amex did not honor the XXXX bonus. When inquired with customer service they indicate the promotion was not applied to my application and that my application did not come with any sign up bonus. This is a bait and switch. How can Amex advertise a XXXX bonus to all new businesses but at the same time market a link with no bonus at all? I feel very victimized by this tactic. A quick XXXX search of the Amex business gold card a promotion will always have a sign up promotion more or less. But to have a link for no bonus at all while advertising all these extravagant bonuses is deceptive. 

Below is a link as of today XX/XX/XXXX for a XXXX point offer by simple XXXX search. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lustig, Glaser & Wilson, P.C. (MA)

The firm, Luster Glaser and Wilson, PC Located at XXXX, MA.XXXX receive repeated phone calls from this agency, ( Up to XXXX times in one day ) concerning a XXXX XXXX. I have told them, that no one lives here by that name. Yet, they continue to call.
Consumer complaint received 2017-02-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (OR)

I have been receiving medical collection letters and although I have on numerous correspondence requested that they provide proof of the debts the company refuses to do so. The balances keep getting higher but I get absolutely no correspondence addressing my request. This is becoming a great concern for me and my family and I believe it 's a violation of the fair debt collection practices act which states that a collection agency must provide proof of a debt within 30 days and to cease collection when it is not the victims debt. There are other violations I believe that a good attorney would litigate. I am also filing a complaint against and with XXXX XXXX regarding this discrimination.
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove itto the others bureussending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (FL)

American Express " cancelled '' my Gold card account. They considered me a credit risk. They lied to me over the phone stating they have proof that I had opened certain e-mails pertaining to the fact that recent payments were returned unpaid by my bank. 
I offered to pay the outstanding balance in full, less the dollar equivalence of the reward points earned and not yet redeemed. They declined, stating that all reward points are forfeited when the account is closed. So after paying the outstanding balance, less {$1.00} for every XXXX points, they put the account into collections for the reward points balance ( {$2700.00} ). They are not responding to my letters that lay out the case that I never was a credit risk, that I was in a financial position to pay off the balance in full, suggesting they should have issued a rewards point credit to the account prior to cancellation ( or at the very least transfer the reward point balance to a different rewards program outside of American Express ). But instead they decided to unscrupulously put the rewards balance into collections. In reading the very fine print of terms and conditions of card usage, they do state that reward points are lost if the card is cancelled. Like all other credit cards that I hold, I had never considered reading the terms and conditions. Not only should American Express make greater efforts to expose their card holders to their hidden and deceptive policies, but I believe their ability of being allowed to cancel a card at their discretion at any time should be challenged by US lawmakers as flawed as it only serves their interests with complete disdain for their card holders.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC (MS)

On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX raised my house payments on the original contract from {$700.00} to {$920.00}. the company said I was behind on escrow payments which included property taxes that I do not have to pay due the law that I am XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

Hello, recently I created a venmo accoount on the XXXX of XXXX, I also received funds that day. A buyer of mine had venmo and my paypal account wasn't working so I decided to create venmo quickly and get the money sent. Later on I attempted to transfer my funds to my bank which worked and it was in processing until XX/XX/XXXX. XX/XX/XXXX comes around the money isn't in my bank and my account is suspended. My bank transfer was canceled and now my money is on hold for 180 days. I am a brand new customer of venmo, I sent out countless emails to their lackluster support team. Lack of communication, lack of transparency for the reason my account being suspended even when its new, ZERO cooperation, and stealing money I WORKED HARD for, nothing they did but for work I myself put in and yet venmo decides to hold my money hostage. As a renowned e-payment company, its disgraceful behavior to treat their new users like this. I felt disrespected and disappointed. Their support team gave me nothing but robotic responses and gave me no help at all. My account is in the images below. I expect this issue to be fixed.
Consumer complaint received 2022-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX XXXX  # XXXX reporting paid as agreed, but showing 2- 30 day late payments, reporting payment status worse delinquent none reported, inaccurate, Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit furnishers are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Asset Management Outsourcing, Inc. (FL)

NATIONWIDE RECOVERY ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NATIONWIDE RECOVERY or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NATIONWIDE RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-12-04
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Recovery Solutions, LLC (TX)

I was called at my workplace and my cell phone numerous times by National Recovery Solutions. They told me I co signed on this private student loan that was now in default because the primary person who took the loan did not pay. They told me this would negatively affect my credit because I was the co signer. They offered a settlement which I could not pay. We agreed to {$50.00} bi weekly ( $ 100 monthly ) to pay down this amount owed which I have been paying since XX/XX/XXXX. 
On XX/XX/XXXX I asked for verification on how much I have since paid and how much was left on the balance. On the XX/XX/XXXX, I asked them to send me proof I was the co signer which I do not believe at this point I am. The woman on the phone agreed to send. I then called back asking to cancel the ACH payments in the meantime until I had received the proof I was the co signer. They then told me I could not get the proof I was the co signer if I cancelled the payments. 
I would like either proof I am the co signer on this account or the {$2600.00} back that I have paid on this debt that was not mine due to the misrepresentation of this debt collector agency. 

I am attaching the letter sent to me that shows the original consumer 's name and not mine.
Consumer complaint received 2015-12-29
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (SC)

Rush card asked we provide information to them to release funds. They told XXXX hours, has merchant release forms, are rude, hangs up in on. Holding out funds where we could not access funding from payroll that 's from our work! Causing us to have late payments and could not access funds during a disaster for shelter or gas to get to work. They give us misinformation and multiple representatives laugh and say it 's nothing we can do you will have to wait.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have disputed a collection account with Experian for XXXX XXXX XXXX. I requested that the debt be validated. All that was sent to me was a ledger of charges. I asked for the actually invoices and a signature showing that each invoice was signed for. XXXX XXXX XXXX has not produced these items. They showed that I was a client of the company XXXX XXXX they are collecting for but they do not show any invoices or my signature accepting multiple invoices totaling $ XXXX. Furthermore the dates that are showing on my credit report contradicts the dates on the ledger that was sent to me. This collection debt needs to be removed from my credit report because it is invalid and its report incorrectly. Experian has refused to remove the debt. An accounting ledger does not prove that the debt is mine. 

The original date of the debt is reporting incorrectly based on their own accounting ledger.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (TX)

I opened an account with Barclay card one year ago and I have never been late on a payment. All of a sudden, Barclays has charged me a fee of {$500.00} as interest, running my account over the limit. This action represents the greatest threat of default on the card. It is bait and switch predatory lending in its worst form.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (AK)

# # # Report Against PayPal for Unjust Account Limitation I am filing this report against PayPal due to the unjust and permanent limitation imposed on my account, which still holds a balance of almost {$500.00}. This limitation has severely restricted my ability to access these funds, which I urgently need to cover my medical expenses. The XXXX hold on my account is causing significant financial strain, particularly given my current health situation. 

For context, I have been a PayPal user for more than XXXX  years now, utilizing the platform to receive payments from clients for my freelancing services. Despite facing a few payment disputes, I have consistently resolved these issues by promptly issuing refunds whenever there were mistakes or errors. I have always adhered to PayPal 's policies and ensured that all my activities were legal and compliant with their rules and regulations. 

However, despite my diligence and compliance, PayPal has decided to permanently limit my account without providing a satisfactory explanation. This action is not only unjust but also severely impacts my ability to meet essential financial obligations. I urge PayPal to reconsider their decision and lift the limitation on my account so that I can access my funds and continue to use their services responsibly.
Consumer complaint received 2023-04-05
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date XXXX : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$3900.00} XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2015-12-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (LA)

I 'm late on my bill. My husband got laid off I have spoke with someone and told them and I would call back whenever it was 15 days past due and they still are calling me every 30 minutes to an hour I finally answered the phone and told them I already spoke with someone and told them well the little guy was rude after that and I hung up. This is starting to wake me up in the mornings and it 's becoming a very big aggravation to me and my family.
Consumer complaint received 2024-05-15
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MA)

Synchronicity Bank who is doing business as XXXX XXXX tools credit has lowered my credit limit even though I have never missed a payment. What they are saying is my credit score is not high enough. My credit score is not good but it is the same credit score I have had since I got the card. My credit limit has nothing to do with my history with the company and as far as I can determine their lowering my credit has had a detrimental effect on my credit worthiness even though I have been loyal and made my payments
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (MD)

KAY JEWELERS Account # XXXX Hello, this account was paid in full in XXXX. I don't have no records that there was ever any items brought after this card was paid off. 

Seeing that this account was put into collections and effecting my credit score, I paid this account off with XXXX XXXX XXXX. XXXX XXXX XXXX agreed that if I was to pay this amount we agreed on they would have this account deleted from my file. Upon changing my account I see that this account hasn't been deleted from my credit file.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives and they advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.