davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
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)

XX/XX/XXXX I applied for the credit card and got approved. The term said XXXX pointsfor {$6000.00} spent in first 6 months, and additional XXXX points for XXXX nights stayed in XXXX properties booked through difrect. The reason I applied because I think the additional XXXX is attractive. 

XX/XX/XXXX I booked through XXXX official site & stayed for XXXX nights. But never got the XXXX points. 

XX/XX/XXXX - XX/XX/XXXX I talked to XXXX  ( XXXX ) different agents for this matter. At first, I was told I need to wait for XXXX weeks to get it. Then after XXXX weeks, they opened & closed XXXX cases to investigate why the bonus points were not granted to my account. Meanwhile, I connected with AMEX at least 5 times ( both online chat and phone call ) to ask about the investigation results. They just kept saying the case was closed & I was not eligible but can't tell exactly why I was not qualified. 

XX/XX/XXXX I talked to a supervisor, after several argument ( he claimed that I was not eligible because there needs to be XXXX different stays instead of nights, but the term he sent said otherwise -- > it CAN be the same stay with XXXX paid nights ). After I explained the term, he said he understood the terms, said he will investigate this, asked me to upload all evidence ( including receipt & booking confirmation ) and get back with a phone call within XXXX days, I did everything he asked, but he never call back. 

XX/XX/XXXX I initiated another chat with an agent, he just kept repeating that the case was closed on XX/XX/XXXX and no activity after that ( not as the supervisor suggested, that he will reopen on XX/XX/XXXX ). The agent said he will reopen the case for investigation. But I am super frustrated, by this time, the case was opened and closed 4 times, and still no resolution ( no reason provided why I wasn't granted the bonus points, nor was the points granted ) I think this is FRAUD and I felt cheated.
Consumer complaint received 2023-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Regional Management Corporation (TX)

This company has called me 28 times left 9 voicemail and 2 text within 7 days of being late. The manager called me from her personal phone and told me she is allowed to call up to 6 times per day. They also continue to offer a resolution under the guise of help called a fresh start when in reality it starts over your year period of paying interest only which they do not tell you upfront since they represent it as help.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2023, I thought I purchased a maltipoo from a company/ family called The XXXX XXXX XXXX XXXX On XX/XX/XXXX  I filed dispute charges because when I tried to gather flight information it was not provided so to protect myself I did filed dispute charges. USAA gathered more information and reversed the {$900.00} that I paid using through link sent called XXXX. I was asked to sent more information over such and a contract and anything related, I did that. Upon receiving another email requesting the same information, I uploaded the information again. On XX/XX/XXXX  I seen an email about the {$900.00} being reversed due to me not sending in the requested documents. I told the agent I did and she advised that I upload them on the USAA Send Documents tab, I did that. Today on XX/XX/XXXX   I seen my account was now - {$900.00}. I chatted in about it and was told the Dispute Team said the requested documents werent sent in. I requested to speak with a manager and was told a Resolution Team would reach out to me. Someone from the team called me today and did look over the documents and seen everything was sent that they requested. She also informed me that the team said the merchant did not match the payment method. I am not sure what that means but she said the team note that nothing in what I sent said anything about XXXX. I have nothing stating that name but I do have documentation about the agreed amount and the link that was sent to me, which is now showing expired. This was my first time hearing about the merchant and the XXXX not matching. They can see based on the information that I sent, which the Dispute Team deemed mostly irrelevant, that fraud was at play. As of now a request was put in for a member of the Dispute Team to contact me in 3-4 business days but as now theres nothing they can do I am told since the merchant and the XXXX arent matching.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I typing this right now in disbelief how XXXX, XXXX, and Equifax treating their consumers. I was using credit for some years now because I didn't want debt. Me learning understanding that American is built off credit, I wanted to start a business to get funding but found out I'm a victim of identity thief. 


I Mailed letters, file a FTC report and many CFPB reports stated what I need changed/Removed from my credit report. All late payments is wrong on my credit report and I want changed ( to paid as agreed ). Collections Accounts should not be on my credit report. I'm demanding a proof of verification that the info in my report is vaild. 

FTC REPORT NUMBER- XXXX if not vailed, I want it changed/removed to what the letters states for the dispute.
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA (OH)

My apple XXXXXXXX was stolen on XX/XX/2023. The thief was able to completely change my Apple ID information making it impossible for me to access my account. I contacted Goldman Sachs who issues the Apple Credit Card I had and they shut it down and closed my account. They are refusing to send me statements and change the email address associated with the credit card for me to receive statements. They are sending statements to the email address of the thief, who certainly isnt going to be paying my bill. I think they should be required to switch that email address into one that is mine so I can receive my statements. The thief should not be receiving information that does not pertain to them.
Consumer complaint received 2023-10-28
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. (UT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-02-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America issued a new debit card without consulting me and without my consent while I am abroad. This has effectively rendered me unable to obtain cash in local currency while abroad. In my opinion, such action is criminal as it puts customers at potentially significant risk. If Bank of America suspected my card had been compromised, they should and could have consulted with me first before issuing a new card. There are absolutely no fraudulent transactions on my account. Instead, their haste has put me in quite a bind.
Consumer complaint received 2015-09-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (KY)

I received a notice from XXXX XXXX XXXX membership that a collection was placed on my report for XXXX dollars from Deversified Consultants XXXX, XXXX XXXX XXXX XXXX. XXXX Fl. XXXX. I received this notice XXXX XXXX 2015. I have never heard of these people and have never received a letter fron them verifying a debt nor amount or notice of my rights to dispute. Iam simple put in collection without any communication attempt.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

per 15 U.S.C Subsection 1611 Truth In Lending Act Requires creditors who deal with customers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and require advertisements to include certain disclosures. The Act had been amended on numerous occasions, adding requirements for credit cards and open-end credit ; for mortgage credit such as ability to repay standards, appraisal independence, and mortgage servicing ; and others. A number of laws amending and enforced under this Act are listed separately.
Consumer complaint received 2023-10-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One has fail to obey the law of the money order and check cashing system which have continued to place inaccurate information on credit report and unlawful amount balance. On XX/XX/2023 there was a check cash by Capital One that clearly states ( Endorsement Of This Check Is Accepted As Paid in Full On This Account and another money order sent XXXX XXXX for account ending in XXXX therefore Capital One should have written on credit report ( Paid In Full and not Settled ). Capital One has agreed to settled the debt upon cashing both instruments of payment and a binding contract to accept ( Paid In Full and not Settled on credit report ).
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private XXXX XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private XXXX ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private XXXX ), a real estate loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private XXXX ) and several collections account opened at XXXX, XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$660.00} ( private account XXXX )XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$460.00} ( private account XXXX ), XXXX XXXX XX/XX/XXXX with a balance {$4700.00} ( private account XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I was the victim of identity theft in early 2023. I flagged this very quickly with all of the credit reporting services. I signed up for intensive monitoring with XXXX in early XXXX. On XX/XX/2023, I got an email from XXXX which said that XXXX had reported a new account. After checking with XXXX, I found that it was an XXXX XXXX. I called and was transferred to XXXX who looked up the account using my SSN. I had been added as an additional user to another card ; the address used was in XXXX and didn't match any of mine in the file. They did not review the credit report ( and thus didn't see the fraud alert ) as they don't do that when someone is added as an additional user. After consulting his supervisor, he was told to treat it as card fraud and block the account. I put in an dispute with XXXX. On XX/XX/2023, this showed up on the Equifax credit report as well, and I filed a dispute with Equifax. On XX/XX/2023, Equifax said that the account was valid. On XX/XX/2023, I called XXXX XXXX and spoke to XXXX and explained the past situation. She confirmed that hte account she pulled up ended in XXXX ( which was what was shown on the Equifax report. She tried to open a credit bureau dispute from her side but got an error when she tried and sent me to a supervisor. XXXX checked and said that the investigation was completed last month and it would correct itself the next week when they report new data to the credit bureaus. She said that they report on the XXXX week of the month. She said that it had been escalated and I should call in XXXX if the information hadn't been removed from the report. 
On XX/XX/XXXX, I checked the Equifax report and it showed as closed but with late payments. There was no comment to indicate that it was not my responsibility ( as they had stated on my initial call in XXXX ). On XX/XX/XXXX, I pulled the Equifax report and saw the information was still there. On XX/XX/XXXX, I called and spoke to XXXX and explained the situation. She sent me to a supervisor XXXX XXXX XXXX who said that he would transfer the case to the fraud department as a complaint but it would be resolved in 30 days. I explained that this was their last shot to fix it - after that, I was going to CFPB. 
The credit report I pulled today ( XX/XX/XXXX ) shows that the incorrect information is still there.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, A 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, A 11. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WI)

Hello, I XXXX XXXX am NOT liable for this alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX. ( {$2100.00} ) ( Alleged acct # XXXX ) I DO NOT HAVE A NOR EVER HAD A CONTRACT WITH XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me with the original contract, as I requested several time. 
THANK YOU! 

Also for so reason there is an issue with CFPB system where when I type Yes I did request information from the company, it shows up as NO & doesn't show what info I requested & doesn't show the answer No the company did not send the info. 
So, I'm letting the company know, YES, I requested info from the company & this is the info : Legal verification, original contract, other legal documents, I requested in my XXXX Notice ( XXXX ) & NO the did not provide any legal documents I requested
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received an email that I had a hard pull from XXXX XXXX XXXX  ' to my credit score on XX/XX/. XX/XX/, I started to received emails to an email that is not associated with my established credit card with XXXX. That I had been " approved '' for a XXXX XXXX XXXX XXXX XXXX to expect my card in the mail " 5 to 7 business days ''. I immediately called XXXX 's fraud department. The representative stated that it was only an application that had yet to be approved. I corrected her based off of the email I was sent. She verified the legitimacy of the receiving email address but denied the " approval ''. I requested all further application requests documentation to prevent this happening again. Representative stated she would put in a written request in my notes. The representative stated that she hauled the application and suggested I call XXXX XXXX checking and savings fraud department as well. She stated there were two different frauds progressing. I called TransUnion to put an alert on my credit score then called XXXX checking/savings fraud department . After three different representatives stated I did not have an inquire related to my social and the others stating they would transfer me to someone who could help but did not. I finally reached a representative who stated the application for a XXXX total checking account had already been denied. There was now another notification, I had a hard pull from XXXX XXXX XXXX  ' on my credit score as of XX/XX/. Representative stated to find further accounts my social security number would have to be in, " the account holders '', my legal name even though emails stated another name which was provided. She then stated she would send an identify theft package in the mail.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

Hello, I had purchased a money order from the XXXX PNC branch on XX/XX/2016, and made the check payable to my niece, XXXX XXXX XXXX, who lives in XXXX XXXX. I had issued the check to her, and she lost the check. She recently found the check, but was unable to cash the check because it had been escheated to the state of Ohio. 

My niece mailed the check back to me, and I was told that the check had not been escheated because it was a money order and attempted to cash the check. The check was denied. I have started the unclaimed funds process through Ohio, and they need proof that I originated the check. Since this is from 2016, I do not have a copy of the purchase receipt. I am asking for documentation from PNC to show the state of unclaimed funds in Ohio that I was the originator of the check, and should have the authority to claim those funds in full. They advised they need something from PNC showing that I was the originator of the funds. 

PNC bank has not been able to obtain this for me and advised I should attempt to file a complaint with the CFPB to see if this can be researched further. I need documentation showing that I originated the check. A money order receipt showing the name of who originated the check. A banking statement, although it has just been past 7 years. There has to be some form of microfiche records showing that I originated the check. 

My son-in-law has full authorization to speak to anybody at PNC. His phone number is XXXX. My phone number is XXXX. My name is XXXX XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, OH XXXX.