davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX, I ordered a size XXXX vest from XXXX XXXX online. Couple days later, after I received the item, I found out that it was too small so I returned to XXXX XXXX XXXX. The Sales Associates checked carefully upon returning and issued me a credit refund of {$540.00}. 

One month later, I found out that XXXX XXXX charged my credit card the same amount again without my authorization. Therefore, I called them to inquire the reason. The Sales Representative over the phone told me the vest is missing a label. Thus, they have to send the item back to me and charge me again. 

Upon receiving the item from them a week later, I checked carefully and notice all the label was intact, including the tiny size label hidden inside of the vest. I called them again to ask them explain explicitly what " label '' they were referring to. I was told it was the incorrect size label they received. I asked for a detailed explanation. They told me they would contact me once they confirmed with the warehouse department. Ten days later, there was still no reply from them at all. 

Hence, I took the item to the XXXX XXXX XXXX and had the Sales Associate to confirm the size for me. She acknowledged the size I am having is Size XXXX not Size XXXX. I asked her if she could help me resolve this problem, she explained, because XXXX XXXX store and online are totally different enteritis, so I have to contact XXXX XXXX online for returning process. 

Please check the picture I uploaded earlier, it clearly shows the vest I have received from them is size XXXX not Size XXXX. I have no clue why they kept saying it is size XXXX. Again, I tried to contact them but no one seems to care to help me out. 

What XXXX XXXX online did to me is absolutely absurd. Just because they retain my credit card information in their system does n't mean they can recharge me at anytime without my prior consent. 

I contacted the American Express Credit Card to open a dispute but they did not in favor me but did not explain why I have to be charged at the second purchase that I did not authorize. 

I tried to cancel an American Express XXXX XXXX earning card after a fraudulent charge appeared on my account but no one takes action to protect my interest. They told me that I have to wait until next year in XXXX to cancel my account otherwise they will forfeit my cash back earning. Given that it 's only XXXX now and I do not want to wait additional 7 months to cancel it. This is a very unfair business practice for customers who have been doing business with them since 2007.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (FL)

I applied on-line to Citibank for a Thankyou Preferred Master Card in late XXXX 2015, under an offer to receive XXXX bonus points by spending {$1500.00} within 3 months of the card account being opened., I received the master card in early XXXX, and I made a purchase of {$1700.00} on the card on XXXX XXXX, 2015. 
I did not receive the XXXX bonus points as was advertised. Upon inquiring on this, I was told that my account was opened through a solicitation which offered a {$100.00} XXXX gift card after completing {$100.00} in spending with XXXX within 3 months of card membership. 
I do not recall receiving this solicitation. In fact, it was the on-line offer for the XXXX bonus points which enticed me to open the Thankyou Preferred Citicard. This offer is still available on-line as of today. 
I was told by Citibank that I had to provide proof of having applied under this offer in order for them to do anything. I can not do this as I did not print a copy of the on-line application I completed. Given that I specifically applied for the Thankyou Preferred card, despite there being multiple offers for other Citibank cards, I certainly did not anticipate that they would later refuse to credit the XXXX bonus points once I completed the terms of the promotional offer. 
Why would I have spent {$1700.00} soon after the credit card being opened, and nothing else since? 
All Citibank has to do is confirm that the XXXX bonus point offer was in effect when I applied in late XXXX 2015. For them to refuse to credit the bonus points and instead tell me that my account was opened under a different offer is incorrect, and guilty of false advertising. 
I hope you can assist me in resolving this matter. 
Thank you.
Consumer complaint received 2016-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA ()

I am a XXXX resident in the XXXX since 2007. I currently have student loans in repayment with XXXX different providers, XXXX of which is AES. AES, unlike my other loan providers, refuses to take a card payment over the phone from the visa debit card linked to my XXXX bank account. Instead, they are insisting that I pay via money order or wire transfer on a monthly basis, resulting in a punitive surcharge on top of my monthly payment ( XXXX, or {$43.00} according to today 's exchange rate ). I have just spent 40 minutes querying this policy with XXXX supervisors at AES, citing the example of my other providers, XXXX and XXXX. I have been advised that the only way to use my card to pay would be to allow my loans to go into default, at which point I would be contacted by a collections agency, which would be willing to take a card payment over the phone. I have placed my loans in temporary deferment, while I seek resolution to this matter, either by intervention from CFPB or through refinancing my loans.
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (OH)

I am being contacted by debt collection company on behalf of XXXX in the amount of over {$5000.00}. for internet and telephone services. I am a XXXX XXXX XXXX woman who only used the computer to visit XXXX, access my XXXX account and pay bills online. I did not download or stream movies so I can not understand the amount being requested. I requested documentation that would provide me with a better understanding but only received a letter stating I was responsible for the stated amount. I am asking for assistance to help me understand my responsibility and achieve a speedy resolution to this matter.
Consumer complaint received 2015-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC. (CA)

I have sent XXXX letters explaining that the debt was discharged in bankruptcy and have received another letter offering a settlement offer. The creditor also states there could be additional payments made on the claim that I could be responsible for and will notify me as soon as they become aware.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

For My XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from XXXX, Equifax , and XXXX as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.
Consumer complaint received 2024-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB, I am filing this complaint regarding inaccurate information on my credit report related to my Prosper account number : XXXX At the beginning of this year, I reviewed my credit reports from all three major credit reporting agencies ( CRAs ) and discovered several inaccuracies concerning this account. These inaccuracies include : 1. Incorrect last date verified, last date reported, account rating, and creditor type information.

2. Discrepancies in the two-year payment history across the three CRAs. Specifically : * One agency reported a late payment in XXXX. 
* Another reported a late payment in XXXX. 
* The third reported a late payment in XXXX. 
I was not late on any of these occasions.

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of information in consumer reports. These inaccuracies demonstrate a failure to meet this standard.

In addition, I initiated disputes with the credit reporting agencies regarding these errors. Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the agencies are required to reinvestigate and provide a response within 30 days. Despite this obligation, I have not received any response or resolution.

I have since paid this account in full, and as someone with a history of flawless credit, I am deeply concerned about the harm these inaccuracies could cause to my credit standing.

Resolution Requested : I request immediate correction of all inaccuracies related to my Prosper account, removal of any late payment notations, and confirmation that my dispute has been resolved in compliance with the FCRA. 
Thank you for your assistance in addressing this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-03-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (MN)

TFC Bank sent me a claim questionnaire form in regards to my previous complaint to the Consumer Financial Protection Bureau, please review CFPB Case # XXXX. I filed a claim for an unauthorized account opening claim in my name. I want TCF Bank to inform me on whether my claim was settled in my favor.
Consumer complaint received 2016-01-19
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: Brelvis Consulting, LLC (NE)

I called this places number thinking they were the student loan place and they were n't, they really did n't tell me they were just a help center. They consolidated my loans which were already consolidated with XXXX my current loan place. Then they turned my loans over to XXXX XXXX XXXX who paid off my loan to XXXX. I had given this " help place '' my credit card # thinking this was how I would pay into the loan place, but what they did was charge me {$590.00} taken out {$150.00} in a four month period. They have already taken out {$300.00} which I told my credit card I was disputing. I called this " help place '' to tell them this and was told they would turn me in for collection. Now what do I do? I need help getting my money back.
Consumer complaint received 2015-09-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A. (CA)

Citibank taken me to court their atty never shown up I cont 'd to go court finally I request dismiss. I rec 'd my dismissed court orders because who they are they can not believe this happen but it did ( speaking to XXXX new collect agent this XXXX ( WITH /WITHOUT ) on court order they are coming for money the amount is wrong that is why I when to court not paying court fee and atty fee etc. This is old case back XXXX, this case was dismissed by court XXXX. They ( XXXX ) are aware Case number etc try to take it to court again information place in summary. Court try to destroyed with Government Codes. I want them to closed and correct by credit report etc. ( again ) XXXX try to reopen XXXX. ( removed it and stop try re-open ). Statue limitation apply to this case. I am XXXX. I keep all my documents etc.
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (MD)

I was sent a letter by XXXX XXXX XXXX , XXXX that stated that a lawsuit was filed against me as the defendant and Midland as the plantiff. I called Midland and they said that yes they filed a lawsuit but I never received anything in the mail or was served a summons. XXXX, an employee at Midland, stated that it was filed but was not entered yet. I asked for the case number and she stated that it had n't gotten that far but, XXXX XXXX XXXX has a case number. The case number that they said was filed was XXXX. XXXX at Midland stated that the case was sent to the District Court of Maryland XXXX County but they do not have a case number and that the case number should appear in a couple more days. She said the case was filed on XXXX/XXXX/2015. I went on Maryland Case Search and have not found such a case number. I was scared that they would garnish my wages as the letter from XXXX XXXX XXXX said could happen. I agreed to terms that was out of my realm of ability to pay based on the lawsuit that Midland and XXXX XXXX said was filed against me.
Consumer complaint received 2016-01-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (SC)

XXXX XXXX turned account to Bull City Financial before my Insurance co. settled account. I paid account in full nearly 2 years ago. {$62.00}. I contacted XXXX XXXX 3 times about attempts from Bull City for collection. They stated the would rectify account to remove from my credit report. I tried contacting Bull City ... ..no response and still showing on my credit report despite being paid.
Consumer complaint received 2016-03-30
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC (AL)

This company called premium assets keeps calling me and demanding that I pay them for a payday loan in 2012 I have not received any mail from them or emails but they call at least 2 times a day if not more.
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (PA)

For quite some time, I have been on the opt-out list for receiving credit card and insurance mail solicitations. Today, American Express mailed me a solicitation for their " Premier Rewards '' credit card. Surely, this established company has access to opt-out lists and can see that I 'm on it. People are tired of this XXXX. Please have American Express stop sending me their unwelcome solicitations or promotions.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

On or about XX/XX/XXXX, I received a denied letter for approval of refinancing my auto loan with XXXX XXXX XXXX XXXX, I applied for on or about XX/XX/XXXX, at which time XXXX  XXXX approved me. The XXXX XXXX representative told me over the phone verification of my payoff and issuance of check to my credit union, the auto lienholder, is the last step. I decided to keep the loan with my XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), and : XXXX. I do have proof of auto refinance loan approval from XXXX XXXX XXXX XXXX. 
XXXX. The denied approval, contrary to the approval, and hard inquiry negatively impacted my credit score lowering it. 
XXXX. I believe the time period is unacceptable to receive a denied approval letter on XX/XX/XXXX, from XX/XX/XXXX, the date ( over 30 days ) I applied for the auto refinancing loan. 
XXXX. I submitted my claim first with CFPB, because XXXX XXXX XXXX XXXX does not have online complaint reporting, only mailing or faxing that I find unacceptable as well as shown below : Dispute with XXXX  XXXX Please include the following information in the dispute letter you send to us : Please send your dispute and supporting materials directly to us : Auto loan-related issues : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX recommend downloading and completing our Auto Loan Credit Bureau XXXX XXXX and XXXX XXXX XXXX relevant information that explains your situation. Return the completed form to the XXXX XXXX XXXX for XXXX loan-related issues. 

If you believe you XXXX be a victim of fraud, including identity the, please call us at XXXX. 

Return the completed enclosed form and supporting documents by fax to XXXX, ATTN : Credit Bureau XXXX, or by mail to : ATTN : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If you have questions or need more information, call us at XXXX. Were available Monday to FridaXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Sincerely, XXXX XXXX XXXX XXXX I appreciate your help with looking into this situation. 

Best regards, XXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2016-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

I am a XXXX XXXX XXXX woman suffering from XXXX XXXX MCM called me to collect a {$150.00} debt owed by my daughter-in-law. I immediately told MCM that she has never lived with me. However, that did not stop the vicious calls. I became terrorized and so intensely upset that I suffered a XXXX XXXX.
Consumer complaint received 2015-11-04
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

When will the victim ( s ) who has been and is continually torn down to His or Her or their lowest level of Characters Worth receive restitution? I am victim of Identity Theft By my former Mortgage Company who now has Reorganized, but under their new Organization has filed Bankruptcy but has been given the privilege to Reorganize for a third time. Throughout their reorganization process My family and I have suffered tremendously with little help and comfort for our loss for local, from federal and our Government agencies. Why are n't the laws catered to the American individual. The right to sue big business and corporations for their illegal practices and financial damages. I note us as individuals and families that owns our homes and yes once upon a time held great creditable reputations until a criminal or civil act has been committed against us and continues to happens but goes unpunished at the lowest level what are we to do? I am in Bankruptcy now, in order to prevent the legal system local authorities from using a court order to throw my family and I out of our home. I have consulted with everyone ... .. but congress and our President. I am and will always be an American citizen and I served our country faithfully, but yet I am not receiving the proper justice because I am not at the corporate level to bring charges against a corporation but a individual as stated by the FTC telephone representative. I know we can perhaps undo the wrong for all citizens who have been affected like I have. It may take some time, but it will alleviate many nights of despair and discouragement I have due to someone else 's inability to serve the American people within their legal rights in their pursuit of happiness in obtaining the " American Dream ''. Although, I am a innocent Homeowner in American, now a victim of my mortgage company crimes, but labeled and viewed as having the inability to obtain and maintain obligations and responsibility financially because wrongful placement of the credit worthiness I have to wait until all the law is put into place to correct this issue, shuewww!!! How will this new law help me and my fellow Americans?
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

Someone stole my identity and opened a XXXX account in the XXXX XXXX XX/XX/XXXX for about {$3800.00}. I 've lived in XXXX since XX/XX/XXXX. I 've had XXXX since XX/XX/XXXX. The same phone number for 10 years. Also I 've never lived in XXXX. XX/XX/XXXX I filed a police report where I live in XXXX stating this account and possibly others is identity theft. A few years back the state of XXXX tax dept was hacked exposing XXXX residents personal info such as social security numbers. I ca n't verify that is the reason of my identify fraud but I assume that 's the only logical explanation. I have the XXXX police report, my XXXX id and the utility bill for my place in XXXX to dispute these charges.
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Platinum Holdings Group, LLC (MI)

They contacted my place of employment after I asked them not to, and then spoke with XXXX of my coworkers about this being a legal matter and pursuing action against me in the court of law
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX-XX/XX/2014, we were in the process of moving. We did not have a balance on this credit card. Unbeknownst to us, they added a monthly fee anyway. This particular company will not allow you to overpay, even when their system takes several days to process a payment ; days in which they continue to charge interest. A few months ago, we had another problem, their fault, and after speaking with customer service, we were told that both problems were taken care of. That all we had to do, anytime there is an issue, is call them. They stated that we were not reported for nonpayment to the credit bureau. This was supposed to be taken care of. Otherwise we threatened to close down this account. You can see that I am trying to improve my credit, any way I can. This one report is n't easy to overcome with the few repots I have. Thank you for your time. XXXX XXXX