davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

Sent to XXXX XXXX Amex CEO - Since XX/XX/year> I have charges under dispute for fraud on my platinum account. The five charges listed below were flagged by your automated system as possible fraud. I in turn called Amex to verify that they are indeed fraud. Your security/disputes/fraud team has done nothing in almost 8 months to credit my account all five charges. They tell me my " card was present which means these charges are valid '' which is a complete lie and shows the complete negligence of your investigations team. My card was used for a different non disputed charge not {$23000.00}. The Merchants used my card numerous times without my authorization and I did not sign or fill out the sales slips. They forged all information to steal tens of thousands of dollars from me. On top of that, what goods were sold? Nothing is listed. 

Furthermore, the security/disputes/fraud team tells me they will call me back hundreds of times and never does. I have called hundreds of times and your team continues to ignore these issues and do their job. 

I was also told not to pay my monthly bill in full and to pay the charges that I know are due. I did that, in result your team has put my account in 30 past due status on my credit reports for the fraud charges balance. 

This entire set of issues is theft. Amex is allowing a merchants to steal from me which in turn means Amex is lying, stealing and cheating me the card member. I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCF Intermediate Holdings LLC (TX)

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of and I do not recognize at all because I did not apply for a personal with CCF INTERMEDIATE HOL. I have also reached out asking that they remove the inquiry from my credit profile.

Please launch an investigation into CCF INTERMEDIATE HOL inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. However, if CCF INTERMEDIATE HOL are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted.

Thanks in advance for your prompt attention to this matter The following inquiry must be removed immediately : 1.- Creditor Name : CCF INTERMEDIATE HOL Date : XXXX XXXX 2024
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gatestone & Co. International Inc. (MN)

I am receiving phone calls of XXXX, XXXX XXXX, XXXX of XXXX and XXXX from Gatestone & Company International , Inc., debt collection representatives for an account and debt from XXXXXXXX XXXX XXXX. For {$16.00}, XXXX thats not my account or debt and is the result of identity theft. I have never opened or had an account with XXXXXXXX XXXX XXXX. The debt collection account is a fraudulent account and debt from the result of identity theft. Gatestone & Company International Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law. Reference Number : XXXX
Consumer complaint received 2023-09-28
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. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible
Consumer complaint received 2024-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (IL)

am writing to file a formal complaint against [ Credit Bureau Name ] regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1666b - XXXX XXXX XXXX XXXX XXXX XXXX 2 : AARGON AGENCY INC-,XXXXXXXX, not my debt I have requested detailed explanations and evidence of the verification process from the credit bureau XXXX but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. 
I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. 
Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (KS)

I have attempted to escalate this issue over and over to AMEX 's team but now I unfortunately must take this here. Back on XX/XX/scrub> 2024, I ordered a device from XXXX XXXX so I can plug-in my mobile sims from home and use my number on my computer and not my phone. 

Since then, it has been a mess. First of all, I have not gotten my item from the merchant nor have I been issued any sort of refund from XXXX XXXX nor the merchant. XXXX XXXX is known to support their XXXX merchant 's over foreign customers. So, I took it to AMEX. I cited how I have not received my items. I showed them XXXX XXXX 's promises to fully refund customers for items that have not been received under their XXXX XXXX XXXX. I have shown AMEX screenshot messages, yes, messages from the merchant telling me they would refund me in the event that my I do not get my items. Furthermore, I have even provided reason to believe that the merchant did not ship out the correct items, which is why the shipment never made it to my destination. So on and so on. I have given them everything. I have provided multiple paper statements and screenshots of it all. 

I have even cited AMEX 's policy on their disputes, which they do not seem to withhold at all. Reason code XXXX here : https : //www.americanexpress.com/content/dam/amex/au/en/merchant/static/chargebackcodeguide.pdf AMEX has been unhelpful and unwilling to help out their customers who have been scammed out of their money, even though I provided all of the evidence, and the merchant only provided close to nothing. I have tried reasoning and reopening the dispute but to no avail. So, now I am here, I plan on continuing to fight and take this public. Please stay tuned for updates.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (SC)

Commencing on or around XXXX XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s )
Consumer complaint received 2024-02-01
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: LEXISNEXIS (IL)

The company keep lying stating that they are unable to fully authenticate my identity however they have proof of id state an government as well as proof of residency per case XXXX XXXX XXXX XXXX XXXX  If my information is suppressed why continue to verify accuracy of bankruptcies to companies? Why has the information not been removed from the credit bureaus?
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Ive already reported this company once and I submitted to them the requested information INCLUDING the police report stating I am a victim of identity theft. Still no word from Capital One 1 month later. I mailed all documents including the police report on XX/XX/XXXX. Please request to remove this inquiry Ive had over XXXX fraudulent inquiries since my identity was stolen and I have been able to get all removed except Capital One. This is not right or fair and it is a violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I noticed that we were charged 4 overdraft fees for our checking account. My wife contacted them about these fees assessed on XXXX She was told by customer service that they would refunded with the " Peace of Mind Rebate '' as long as a deposit was made by XXXX. My payroll deposit went into the account later that afternoon. The representative informed us that those fees would be refunded in the " overnight processing ''. When she called today, she spoke with XXXX, who told her that the fees would not be refunded because there were {$28.00} in items that were still pending. When she told them what the representative had told her on XX/XX/, he advised that was not correct. My wife then asked for a supervisor, and he informed her of the same. 

My wife then called the branch on XXXX XXXX. to discuss her concerns. The branch manager then apologized for the inaccurate information given and stated she could not refund the fees. My wife stated that unfair because she was given incorrect information and had the ability to deposit {$28.00} that ultimately cost us {$140.00} It is not fair that they do not honor what the representatives tell the customers when they call in for help. Because correct information wasn't given, we are made to financially suffer which is not right. Especially in trying financial times like this.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Citi Bank doesn't honor my signup bonus rewards. I opened a new business checking account and a new business money market " XXXX '' account on XX/XX/XXXXXXXX  and maintained at least a {$25000.00} combined deposit in both accounts for 60 days. To this day, I still have at least {$25000.00} in the two accounts. So, I have maintained the fund for almost half a year already. I am supposed to get a sign-up promo of {$700.00} by XX/XX/XXXX. I made numerous calls and emails. Today, as of XX/XX/XXXX, they only honored {$500.00}, saying they can't find the original promotion in the system anymore. I have the physical promo flyer in my hand. But the customer service at XXXX said they can't do anything without a promo code. There is no promo code printed on the brochure whatsoever. The banker XXXX XXXX who opened my account doesn't answer my call or my email at all, maybe he already left Citi already. The new banker XXXX XXXX at the XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, CA XXXX ), where I opened my account, said he has no ability to trace back or find any promo code. It's big bank fraud over consumers. I did exactly what the promo said I needed to do and didnt get anything. I spent at least 20 hours contacting at least 10 Citi banks in different branches and called at least 20 times about this, and no one was willing to help. Citi lied entirely to me to use our money for free for so long without even honoring the bonus.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (CO)

My apple credit card has been hacked and fraudulent purchases have been made in the amount of approximately XXXX XXXX. I have been working with goldman sachs to get this resolved since XXXX XXXX. I received a call from them XX/XX/XXXX. They want to know how I would like to pay the remaining balance which is not mine. They also are not helping me to get my {$6200.00} reimbursed- which is a automatic payment that was made with auto pay before I knew my account had been compromised. 

This is my second claim with CFPB. I am writing to find out if there is any help or guidance to be offered. I do not have access to the email associated with this account therefore I have no way of communication except for the XXXXXXXX XXXX. Each time I speak with someone I have escalated it to the supervisor. I am told I will receive communication via mail within 2 weeks-which has never happened. I have now been trying to get this resolved for 3+ months. I am at a loss of what my next steps are.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-31
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America 's refusal to acknowledge their responsibility in this matter is deeply disconcerting. They have not only failed to deliver on their promise to provide me with the essential means to access my funds, but they have also displayed a complete lack of empathy and disregard for my financial well-being. 


I urge Bank of America to reconsider their decision and to genuinely investigate the matter at hand. They can not simply dismiss my claims without a proper investigation, especially when it is clear that I did not receive the XXXX debit card in the first place. This flagrant negligence on their part has caused significant distress and setbacks in my life, leaving me struggling to make ends meet. 


I implore Bank of America to rectify their mistake and fulfill their obligation to compensate me for the loss and inconvenience I have endured. They must understand the severe implications their actions have had on my financial stability and emotional well-being. As a valued customer, I had expected better from a reputed institution like Bank of America, but they have shattered my faith in their integrity and commitment to their customers. 


I hope that my complaint serves as a wake-up call for Bank of America to reconsider their stance and take immediate steps to address my situation. I deserve to be treated fairly, with honesty, and with the respect I deserve as a customer.
Consumer complaint received 2024-02-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NJ)

HAP/HUD Department of Community Affairs Fema Voucher 70 % subsidized living and XXXX advocate contacted XXXX XXXX XXXX XXXX XXXX XXXX and I had to prove 3xs rental $ XXXX rent income to qualify and XXXX  qualify for leasing the apartment through ft apartment on XXXX 

XXXX sever was issued XX/XX/2021, of XXXX move out date 11 month lease. 

{$650.00} of move out damages contract was issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ of Again, XXXX XXXX XXXX XXXX Subsidized living lease. 

The State of XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX - XXXX XXXX XXXX XXXXXXXX ) overpaid although move packet issued and severed lease prorate of XXXX against XXXX MO and Security Deposit was issued and agreed by XXXX. 

State overpaid two months rent XXXX & XX/XX/2021 post lease severance and vacate of apartment and when recalled XXXX deduced {$650.00} debt damages from {$2500.00} overpaid by state HAP/HUD portion then issued {$1400.00} debt to me on XXXX through XXXX, California XXXX XXXX XXXX National Credit Systems unlawfully . 

It has been over two years of attempts to make settlement arrangement offer and outreach of phone call and documents submit as disputes to XXXX and i have not been able to remove this false fraud indebtedness from My NLS leaving me to delinquent housing and homelessness eleven months. 

I have the ability to upload the lease, the severance, the payment acknowledgement to XXXX from XXXX, and the correspondence as well as the lease severance corporate sheet as well as the damage contract for {$650.00},, which was paid by the two months overpayment as a deduction on the former XXXX lease.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2023 Fifth Third Bank allowed XXXX fraudulently generated XXXX  to be cleared through my small business account. I immediately notified the branch of the XXXX showing up as cleared missing payee information and signatures. The branch XXXX claimed to have completed paperwork for investigation however XXXX weeks later I was informed that the request was improperly completed and never received. The branch XXXX has been repeatedly contacted and the funds remain unreimbursed.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/XXXX I attempted a direct assistance program with USAA regarding account XXXX and was denied due to excessive debt obligations. 

I applied and was accepted to an independent debt management company, XXXX XXXX, in late XXXX. XXXX negotiated with USAA to enter me into a debt management program on account XXXX. 

On XX/XX/XXXX I received a letter stating my XXXX account had been closed based on an application/agreement to participate in an assistance program. 

On XX/XX/XXXX I received a letter stating I had been accepted into the assistance program. 

On XX/XX/XXXX XXXX XXXX notified me that USAA account XXXX had been accepted. 

On XX/XX/XXXX XXXX XXXX notified me that USAA account XXXX had been accepted. 

In a phone call during the month of XXXX, a USAA customer service representative verbally informed me that I would still receive late notices from USAA despite being in the debt assistance program, but I should disregard these. I continued to receive XXXX, XXXX, and XXXX notices. 

I have verified monthly statements from XXXX that payments at the agreed amount, {$210.00} ( monthly ) were sent for XXXX, XXXX, XXXX, and XXXX of XXXX. 

On a letter dated XX/XX/XXXX, which I did not see until XX/XX/XXXX, USAA notified me that account XXXX was being defaulted due to non-payment, despite the ongoing payments through the debt management program administered by XXXX. I am unable to verify payment receipt on USAA due to the account being removed from my customer portal. 

On XX/XX/XXXX I verified on my XXXX credit report that the XXXX account had been reported as in default. 

USAA has maladministered my account and failed to meet their obligations in the debt management program or participate in good faith. Their communications between departments handling the credit card and the debt management program are a known problem to USAA employees, as demonstrated by the customer service comments to me in XX/XX/XXXX. The willful failure of USAA to address these issues demonstrates their bad faith participation in handling of this debt.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Sayer Law Group, P.C. (NY)

On XX/XX/2023 I received mail from a debt collector ( Sayer Law Group, PC ) stating I owe a debt. ( account number XXXX ) from another party ( XXXX XXXX XXXX XXXX ), which is a violation under 15 USC 1692b ( 2 ) and violated 15 USC 1681 ( b ). They infringed on my rights to privacy under federal law. Sayer Law Group, PC were given my information without consent from ( me ), but was given from XXXX XXXX XXXX XXXX. Under 15 USC 1692e Sayer Law Group, PC violated me with false and misleading as far as legal status of debt, falsely implicating and representation of themselves into my privacy, with deceptive forms which a violation of 15 USC 1692j. Also in these deceptive forms, Sayer Law Group, PC are in violation of 15 USC 1692d ( 2 ) used obscene and profane language, by stating the word debt and stating the word owe is obscene and profane language. Sayer Law Group, PC is in violation under 15 USC 1692f ( 8 ) unfair practice by using symbol by their address on envelope.