davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (CA)

I have a past XXXX bill that was OPENED in XXXX ... NOT XXXX the creditors are stating it was opened in XXXX of XXXX WHICH IT WAS NOT.. I been disputing to get them to update my credit report am XXXX XXXX I have XXXX XXXX XXXX in both ears I can not hear on the telephone or I would call the creditors and speak to them but unfortunately I cant cus I cant hear on phone..I am on limited income SSDI am due to the Corona Virus I am supporting family members cus they were layed off till they can get a job I only get XXXX a month I cant make the payments am trying my best to get my credit back in order I just recently payed off one credit card and am trying to contact XXXX to see if I can make payment arraignments but there not responding now that I payed off the last credit card I cant afford to pay no more then XXXX dollars a month I am aware I owe but I thought I would try my best on tying to dispute this And have it removed from my credit report because they listed the wrong info about when the XXXX account was opened I have documents to prove it it was open in XXXX its an old debt That I was unable to pay due to lay-off at the time and I know now how important it is to pay you bills on time an am learning through my past mistakes am am dealing with the conquences now On trying to better my credit and Now I know how important it is to have good credit I know now you cant get no where in life with out having that..The creditors have added comments On my credit report that it will be signed over to an attorney they marked it Dergotory am trying here ok can you please look it over on trying to delete this from my credit report due to wrong dates to when the account was opened.. 

Thank You XXXX XXXX
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IA)

XX/XX/XXXX {$120.00} sent to XXXX XXXX acting as representative for XXXX XXXX who was sent {$110.00} on XX/XX/XXXX. Others on XXXX  said she is a well known XXXX and she was active on social media fan pages for XXXX. XXXX is a scammer and never sent any of the items promised. She used PayPal and they claim to not be able to do anything about it. SOMEONE SHOULD BE TRACKING THIS GIRL! XXXX said her family runs their own XXXX  server to scam people so now PayPal and XXXX are both a part of their scam of people. PayPal told me to file a dispute/claim with you so here it is.
Consumer complaint received 2020-05-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Management Services, Inc. (CA)

I was seeing a XXXX I trusted for 3 years. I kept asking him why my bill were so high for normal procedures and he said my insurance wasnt good. when I contacted my insurance company they said he had been lying to be. He was out of network the entire time and wasnt honest. I asked him to adjust bill he refused. I told him it was the right thing to do, again he refused. 
He sent it to collections ( Account Managment Services XXXX XXXX XXXX # XXXX, XXXX, CA XXXX ) when the collection company contacted me I explained to them what happened. I told them it all needed to be verified and there was a lot of things that needed to be fixed. The bill was 90 % higher then should have been. 

They said they didnt care about any of that and I needed to pay the bill or they would report it to the credit beauros. The refused the verify the amounts owed and what they were for. The women I spoke to was nasty and condecending. What an awful experience!
Consumer complaint received 2024-03-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Specialized Loan Servicing Holdings LLC (GA)

I reached out to Specialized Loan Servicing for assistance with my mortgage after encountering payment issues. However, each person I spoke to provided inconsistent information, resulting in significant delays in payments. Despite multiple attempts to establish a repayment plan, I received inaccurate guidance, ultimately leading to the foreclosure of my property. In order to salvage the equity I had built, I was compelled to sell my home. 

Now, I am eagerly awaiting a paid-in-full letter from Specialized Loan Servicing and for them to update my credit records. Despite my efforts, when I disputed the account through the credit reporting agency, they confirmed that the balance remains outstanding. Conversely, Specialized Loan Servicing insists that the account has been paid in full. They have informed me that it will take up to 30 days from the payment date to generate the required documentation. 

Presently, I find myself homeless and in dire need of this matter being resolved. It is imperative that this account reflects as paid in full on my credit report, along with the provision of a letter as evidence. This documentation is crucial to cease the continuous denial of my applications for apartments, as they erroneously indicate that I still owe this debt.
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I received a fraud alert from my bank, Chase, on XXXX. They asked if I had made a XXXX transaction for $ XXXX. And to reply 1 for yes and 2 for no. I replied 2 for no because I didnt authorize this transaction. I didnt think anything of this because I get these texts all the time. They said okay and we will call you shortly to discuss. They soon called and had me enter my cell number back into my account to reverse the $ XXXX back to me. Because I was putting in my cell, I thought the funds were coming back to me. This entire time they are posing as Chase employees and the phone number is disguised as an XXXX ( a Chase number ). The exact same thing happened the next morning. I only realized it was a scam after the second call when the caller abruptly hung up on me. Then I knew instantly. I called the bank right away. They said XXXX is instant and there is nothing they can do. Although, I dont believe they did anything until after the holiday. I still dont know what happened. If my cell phone is entered in as the account number, how does the money go somewhere else?? Its just very confusing. My entire account was messed up because of this. I had to close my checking account and open a new one. I have a lot of automated bill payments coming out of my account, so this has been a disaster. Im still constantly getting Chase fraud calls. I think Im going to have to change my XXXX year old cell number : ( Ive been with this bank XXXX years, so Im not happy with the outcome. They said Im to blame and they cant recover the money, so no refund. I understand that I made a mistake, but how do these people pose as employees, text me from Chase Bank and call me from Chase Bank. None of that is my fault. 
The total amount I lost was $ XXXX ; $ XXXX for each transaction. Im a widow with a son starting his freshman year in college. I cant afford this. 
It has been submitted to fraud department twice at the bank. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I have been paying on my federal student loan debt since 2015. I am working for a XXXX XXXX XXXX XXXXXXXX  as a XXXX XXXX. I have always been enrolled in a loan repayment that fell into PSFL requirements. Great Lakes was my loan servicer. They transferred all of my information ti Nelnet servicer. Nelnet is telling me they only show XXXXcurrent. None of my payments I have been making all these years has been transferred. They lost all of my information and processed payments. I want answers and I want my payments allied and counted as qualifying payments for public service loan forgivness.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I was given a Vanilla Gift Card by a friend for doing XXXX XXXX work. When I tried to use the card, it stated I had a " Zero '' or " 0 '' balance. I never use the card ( never taken out of the package ). I called Vanilla Gift Card Customer Service to report fraudulent use of the gift card. The Customer Service Rep stated that the card was used at " Game Stop in XXXXXXXX XXXX '' and one other company ( not use of the name ). I informed them that I am in California and have not visited XXXX or placed an order ( online ) at XXXX XXXX. 
I submitted the requested forms, copies of the credit card, and receipt to the Fraud Department. I waited a month later to see if they had received my paperwork. I was informed that they had not received the paperwork ( after received verbal notification that the requested information was received ) and once the paperwork was I will get an e-mail from the Fraud Department. I resubmitted the paperwork ( s ) and got an e-mail dated XX/XX/2022. Per phone conversation, the investigation of fraud witll take 45-90 days. I called on Mon XX/XX/2022 to follow up and they said the Customer Service Rep ( XXXX who is in XXXX XXXX ) stated that the paperwork ( s ) was received on XX/XX/2022. I need to call back on XX/XX/2022 to check the status. Help!
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

American Express stated the they have denied the fraud claiming because the credit card was used to purchase a flight under the same name as mine from XXXX XXXX  to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX 

I have photos of my self and GPS location from my phone proving that was not me. 
In the photo it shows the date and my GPS location is in XXXX. 
Also I have letters from delta
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Terrill Outsourcing Group (UT)

I returned the company 's repeated calls and was told this was a debt that was for a XXXX XXXX XXXX XXXX XXXX XXXX card that went into default while I was very ill with XXXX and unable to perform my full job duties. I asked the representative to uphold the last offer amount from another collector of XXXX and they demanded to know when I could pay. They said they could honor that offer but would have to pay by end of month. I asked for them to send it to me in writing so that I could fit the payment into my budget and also know it was a legit company. I had an issue with paying a company before that ended up not holding the debt. They would not send it then another person got on the line names XXXX XXXX who said he is the General Manager. I asked him to send the settlement offer to me so I could review it and he demanded to know when I would pay. I told him the other gentleman had told me by the XXXX and he said he wouldn't send the information until I gave him a date. I kept repeating " by the XXXX '' He said things like I don't have the money and other things along those lines. I kept telling him I simply wanted it in writing that they had agreed to the settlement and a way to securely pay online. I didn't want to give the my bank info since they were not being up and up by agreeing to give the info in writing, They kept laughing/giggling and being disrespectful. I tried to explain that my husband is like a toddler right now after having a XXXX XXXXXXXX XXXX and I was not sure the exact date I would be able to sit down and pay bills. They claimed at the end of the cal that they emailed the offer to me and I have yet to receive anything. XXXX said things in veiled threats like " you are on a recorded line and said you have the money ''. I never disputed I owed the money. I just wanted to be able to pay securely and have the offer in writing. I am cleaning up a lot of debt and issues that occured when I had covid and medical bills etc as a result
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am the victim of identity theft. The fraudster has identifying information that allows her access to my credit reports with all three credit agencies. I have repeatedly attempted to put credit freezes with all three credit agencies, but the fraudster is able to lift the credit freezes. All three credit agencies have incorrect former addresses and phone numbers ; incorrect emails ; incorrect employer ; and XXXX has a security question ( Mother 's city of birth ) established by the fraudster. 

The problem is particularly acute with XXXX. We have attempted to shut down our XXXX account and open a new one with new credentials, but XXXX has not allowed us to do this. It is almost impossible to contact a live representative and they have told us we have to wait but have not informed us of when and if they take action. Meanwhile, the account remains compromised. 

In mid-XXXX we shut down online accounts with Equifax and XXXX and opened new ones. But the fraudster has already somehow changed the username, email and passwords on those accounts. We believe the gateway for doing this is through XXXX. 

Recently the fraudsters have lifted the credit freezes to open credit card accounts with XXXX XXXX and XXXX. Both companies alerted us and those accounts have been closed.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (IL)

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received a proper notification, please provide the certified mail with the receipt with my signature on there stating that I received it.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

I called American Express and asked for the XXXX address or XXXX location of device used to creat or apply for this credit Card. 

The address, phone numbers used to create the credit card are different than mine. 

Amex denied the fraud claims stating that I benefited from the card. I have given documents showing that my address is different from where they sent the credit card. 

Please describe how I benefited if you never sent me a XXXX card. 

I will provide the proof of address Amex was sending the XXXX card to and my address.
Consumer complaint received 2023-04-26
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. (CA)

I pulled my credit report XX/XX/2022 I sent Equifax, XXXX, XXXX Investigation Request letters to make sure it was 100 percent accurate information via 15 U.S.C. Sec. 1681i ( a ) If not I asked it to be deleted. In the letter it was 30 days giving to investigate and respond with a updated report to be sent back to me after the investigation. I never got a reply from neither of the Credit Bureaus mentioned above. I also sent them the violations on the credit report highlighted where it was not 100 % accurate. They disregarded my letters for the investigation and did exactly what they wanted to do. Now after all of that they tried to update everything to make it look as if it was accurate. Knowing it is XXXX dollar fine for every violation or they must delete the account. They choose to act if the account was 100 percent accurate by changing everything around. I have proof it was inaccurate before they updated the credit reports. The updated credit report will also be in the attachments.
Consumer complaint received 2020-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. ()

This is a complaint about FRAUD AND ID THEFT by withdrawing money from my savings account at Citibank. 

Someone registered on XXXX  using false documentation and my personal bank details, which I have kept confidential without sharing with anyone, and made several automatic debits for usd {$500.00} without notification from the bank to me that this was happening. The debits started in XX/XX/XXXX until XXXX of that year when I realized what happened and started a claim with Citibank. The number of transactions made exceeded the limit of transactions allowed by United States Federal Law, and the bank did not stop these transactions, concluding with the closing of my account for that reason. For example inXX/XX/XXXX 10 withdrawals were made from my account and the limit is 6. 

The detail of the transactions are as follows : Transaction Date / Amount XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} Additionally, in XX/XX/XXXX I went in person to XXXX Florida to the office where I opened my account, in which the bank agent indicated that the ATM card that I had was invalid and that there was another card number to my name in the system, which I never requested and was not in my possession. For security the agent proceeded to request a new debit card. 

Until now, the bank has not been able to deeply investigate what happened to my savings account and my ATM card, and as custodians of my money they must do the investigation with XX/XX/XXXX XXXX XXXX to demonstrate what really happened. 

This complaint requires the return of USD {$8500.00} drawn from my savings account at CItibank without authorization from me.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

My Elan Financial Account has been paid in full as of XX/XX/year> and has been updated correctly on my XXXX credit file. XXXX and XXXX are still showing a high balance of over {$10000.00} even though my account has a zero balance. After speaking with XXXX at Elan Financial today ( confirmation # XXXX ), I've been informed that Elan Financial has already updated the information to the bureaus, and it's correct, and they have no control over what XXXX and XXXX are showing on my report. She was also unwilling to transfer me to Elan 's credit dispute division and stated they do not speak to customers.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have disputed the information being reported pursuant to the Privacy Act and these XXXX companies are violating my rights. This is my last attempt to resolve before I seek litigations. Your company is misusing my information for unjust enrichment and I will seek actual and punitive damages if these items are not removed from my permanent credit file immediately. XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  AND their affiliates are in violation of the privacy act of 1977 in addition to the FDCP, this is the final opportunity to cure. Proper validation of the alleged debt requires all IRS documents filed bearing my XXXX/Name from a certified third party accountant. If you do not provide documentary evidence for the alleged debt/sin you are required to block and remove the account.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I opened a CitiBusiness Streamlined Business Checking account. The account came with a promo offer ( provided by the banker in-branch ) that would be satisfied if I deposited {$20000.00} within XXXX days ( I did so on XX/XX/XXXX ), maintained that balance for XXXX consecutive days ( I did, withdrawing only after XX/XX/XXXX ). The bonus of {$750.00} was due XX/XX/XXXX, due to the language " The Cash Bonus for which you qualify will be credited to your Citibank business checking account within XXXX days from the end of the month in which you complete all offer requirements. '' However : It was not credited. On XX/XX/XXXX I contacted Citi over live chat, who directed me to phone support, who insisted on a bonus code which was not printed on my offer. I then contacted my business banker at the branch, who did not reply. I no longer have confidence Citi is interested in fulfilling their side of this offer - paying out the {$750.00} bonus- and need to escalate the matter via a CFPB complaint.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I Disputed in XXXX, XXXX, and XXXX of 2020 with Experian and XXXX credit bureaus about verifying the account of XXXX XXXX account # XXXX. I asked for verification with XXXX XXXX account # XXXX, and I received no response from them all three times. Experian and XXXX  replied that this account has been verified by the Fair Credit Reporting Act but I have not received anything from them nor have they shown me their methods of Investigation. I don't believe either bureau did a proper investigation or if they even investigated this account at all. I'm asking help from the CFPB in order to correct this issue by the credit bureau doing a proper investigation and deleting this unverified account. thanks.