davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

My mother purchased a money order with cash on XX/XX/XXXX from XXXX at XXXX in XXXX, Wisconsin. I took the money order to XXXX in XXXX XXXX XXXX, IA on XX/XX/XXXX to cash. To my deep embarrassment, the customer service staff in the XXXX XXXX XXXX, XXXX were unable to cash the money order. Instead they printed a slip containing the telephone number to a company called XXXX. I phoned the number provided immediately, entered the information as requested before having the automated system say that the information does not match due to reason code number 2. I thought maybe I entered the information incorrectly since it didn't match and tried to cash the money order again. The check was declined a second time and a third time with the same responses. After attempting no less than 7 times to cash the money order I gave up and headed home without the much needed groceries. I called my mom when I got into the parking lot trying to understand why a money order paid for in cash could or would be declined. I asked if by chance she used her SSN when purchasing the money order instead of mine, but she said she didn't recall providing one. 

After trying desperately to come up with some reason why this was happening I concluded that the XXXX staff must have done something wrong. I opted to go to the XXXX in XXXX, IA on XX/XX/XXXX in the hopes that the mistake would be corrected with new staff trying. I spent no less than 2 hours working with the XXXX, IA XXXX staff that included the store manager trying to cash the money order. The staff was able to validate that the check was good and the information I provided ( which included my drivers license and SSN ) matched what was listed on the money order. I was even able to provide an image of the receipt of purchase that my mom texted to me at my request. 

I sit here with no money and not enough food for my family. 

Some background - I've never bounced a check because I've never written one. I got a bank account for the first time ever just 4 months ago. I have never had a credit card, car loan or installments. So there is no fricking way in XXXX that this is legit. I have been embarrassed and I am absolutely furious that I do not have access to the money that was validated in their own system.
Consumer complaint received 2018-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

To whom it may concern : My name is XXXX XXXX and my issue is with XXXX XXXX. I applied for an Evine account which I never knew they worked with this bank, which I heard terrible things about before. I always made my payments on time and as a matter of fact I paid my monthly payment almost twice the minimum payment. My minimum payment is of {$27.00} and my first payment I paid {$30.00}, and after that i paid {$50.00} every month. Seeing that the balance doesn't go down enough I started paying {$70.00}. Today, XX/XX/2018 I received a letter from Synchrony bank where it stated that my account was closed " DUE TO THE NUMBER OF OF DISHONORED PAYMENTS ON THIS ACCOUNT " I was perplexed when I saw this and called the bank right away. I was told that they closed my account because I SUPPOSEDLY had recurring payments on their website and that I failed to honor that. I told them I never did any recurring payments through the computer as I was paying them monthly by phone. I asked them if I am missing or missed any payment and they said no, ap basically they closed my account and are making it sound like I'm not paying my bill because of some recurring payment that was marked on their website and not because I'm not payments. I am a XXXX  and XXXX veteran living on a fix income and trying to fix my credit and for some crooked bank to try to harass me and try to denigrate my credit and reputation is wrong. I would greatly appreciate any guidance and support in this case before I place a lawsuit on this bank. Thank you
Consumer complaint received 2018-07-17
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

XXXX and XXXX XXXX applied for a reverse mortgage to help pay for escalating medical bills. They were granted a reverse mortgage but were not informed of the escalating interest charges through the years. They have borrowed on the equity of their home approximately {$40000.00}. they are being charged XXXX per month interest and now low {$200000.00} on the loan of {$40000.00}! This is predatory lending!
Consumer complaint received 2024-11-05
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I keep getting emails from someone trying to get my personal information. 

I've alerted American Express and they have not done anything. 


I'm receiving emails from : American Express XXXX XX/XX/XXXX at XXXX XXXX To XXXX Message body CardMember Alert American Express logo In regards to Primary Cardmember Image Lock Cards Travels Business As part of our commitment to help keep your access secure, we have detected an irregular activity on your access and we are placing a hold on your access for your protection. 


To proceed, An attached HTML Fillable Web Form is sent with this message. 

- See Attached Information Form, Download and Open to Continue. 



Thank you for your Card Membership. 

American Express Customer Care Privacy Statement | Update Your Email Message information is included above to help you recognize this as a customer care e-mail from American Express. We kindly ask you not to reply to this e-mail directly as messages are being sent from an unmonitored e-mail address. 

2018 American Express. All rights reserved. 

XXXX Attachments in this email may contain harmful content and can not be downloaded. Learn more XXXX
Consumer complaint received 2018-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about my online account view noting the balance for the previous period was XXXX and the minimum payment due by XX/XX/XXXX was XXXX. The first agent advised there was no balance for the previous month, but if I wanted to pay {$27.00} I could. Confused, I questioned her logic in terms of making a payment on an account that had no balance. Mysteriously the line disconnected. 

I called back and requested a supervisor. After going through this a second time, he advised no payment was due for XX/XX/XXXX, but if I wanted to make a payment I could. 

Today, I receive a message from XXXX stating my payment is one day late. After calling a third time and waiting 10 minutes on hold, the gentleman came back to the line and stated the issue was related to a computer error ; however, my battery died and the call dropped. I called back later this evening and spoke with a supervisor named XXXX who stated my account had been transferred " another department. '' I pay this account in full every month. I do not deserve this type of treatment and I will end this relationship with XXXX.
Consumer complaint received 2018-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

We have been fighting with Citi Mortgage for over 7 years for a possible loan modification with no positive resolution. Citi Mortgage has denied me for a loan modification 12 times using an incorrect property value and rate of interest. Currently my home in a foreclosure with a foreclosure sale date scheduled for XX/XX/XXXX. Although we have re-submitted the request for the loan modification on XX/XX/XXXX. Based on an email from Citi Mortgage the single point of contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, indicated that " the file is with an Underwriter and at this moment no additional documents are needed. At this point in time, a decision has not been reached ''. 

Regretfully ; Citi Mortgage the Debt Collector, Servicer is ignoring the California State Law! The Homeowner Bill of Right 's dual-tracking provision Effective XX/XX/XXXX : Under the Homeowner Bill of Rights, if you submit a complete application for a foreclosure prevention alternative, the servicer/debt collector can't conduct a trustee 's foreclosure sale before it makes a decision to grant or deny the application. As per the California State Law, the servicer/ debt collector is required to state the specific reasons for the denial, and include a statement that " the borrower may obtain additional documentation supporting the denial decision by making a written request to the mortgage servicer ''
Consumer complaint received 2018-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

About XXXX or XXXX months ago I hired XXXX XXXX XXXX to help me with my credit and they made it worse I pay them a XXXX dollars for 5 months and they made my credit lower I believe it is at XXXX oh have about XXXX to XXXX dollars in credit card debt
Consumer complaint received 2018-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX I opened a secured credit card BankAmericard account in XX/XX/XXXX by XXXX XXXX. I took the cash out of my savings account as a cashier 's check to secure the credit card. I received the BankAmericard in the mail and activated it. Bank of America immediately applied the {$39.00} annual fee. XXXX XXXX followed up with a phone in XX/XX/XXXX inform me to request a credit increase. I followed his advice and did so over the phone. In the mail dated XX/XX/XXXX, I received a rejection letter stating I could not get an increase. On XX/XX/XXXX, I wanted to use the card for an in-store transaction. The transaction was declined and discovered the credit card was closed without any notification. Now, I have an open and closed credit card account on my credit report. I am seeking {$5000.00} in irrevocable damage to my credit report and return/refund the {$1300.00} placed on the card. Fire and terminate XXXX XXXX for opening an erroneous account and not following procedures.
Consumer complaint received 2018-04-22
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

I attach a letter dated XX/XX/XXXX explaining I dropped the XXXX XXXX vehicle on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, CA and on XX/XX/XXXX I telephonically contacted XXXX XXXX XXXX to inform I had dropped the vehicle. The extended lease on the vehicle expired on XX/XX/XXXX and all the payments were timely made. On XX/XX/XXXX I received a threatening telephone call from an individual, XXXX, ( copy of a 2-page letter signed by XXXX is attached demanding {$1000.00} payment ) at my current employers telephone number. Later, I checked my credit report and found out that on XX/XX/XXXX a status updated was posted on my credit report showing a balance of {$2900.00} and indicating past due 30 days. I enclose a copy of this page of my credit report attached to the XX/XX/XXXX letter. For clarification purposes, the XX/XX/XXXX letter consists of two pages only. I received an Official Notice of Vehicle Return dated XX/XX/XXXX. Again, on XX/XX/XXXX I checked my credit report showing Status Negative by AMERICAN HONDA FINANCE, Balance {$2900.00}. On XX/XX/XXXX I called XXXX XXXX XXXX and I was told by the customer female representative XXXX has not posted any negative entry on my credit record and the representative advised me to contact myself each one of the credit reporting companies to fix my credit problem. By looking at the letter signed by XXXX XXXX, I found out XXXX XXXX XXXX is a DBA of American Honda Finance Corporation. I leased in XX/XX/XXXX an XXXX vehicle and I had no issues with the vehicle return but only because I leased another XXXX vehicle, the XXXX XXXX. I had the intention of purchasing, not leasing this time, an XXXX vehicle but after the way I am being treated I will not do it. And worse, when I test drove an XXXX vehicle on XX/XX/XXXX the vehicle I drove had mechanical issues. 

These are the companies involved with my complaint : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX American Honda Finance XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am XXXX and I feel that I am being mistreated possibly based on those facts. An UNAUTHORIZED deposit by an UNKNOWN source was attempted to be deposited was made on my account when I became aware I contacted the bank and informed them of this unauthorized activity and I was told That I have protections in place in that my accounts would not suffer any freezes or accounts closures In that my account was in good standing While I initiated a investigation with the correct department on the situation, suddenly and without notification within hours my account had been frozen my card had been deactivated and my personal funds were frozen in the account that had nothing to do with the said Unauthorized transaction. In response to this a senior representative opened a new account with a new card and new online access to set up direct deposit and bill pay and transfer my funds to my newly created uncompromised Account so that I could rest assured that no further unauthorized activity would occur. since this closure I have been belittled, threatened and intimidated by this small back office called account closure and have made numerous complaints about these tactics they have utilized saying things like " they are XXXX and I am beneath them and there is no one to pray to for help '' promising to make sure that criminal charges are filed and that I will never in the future have an active account anywhere else and that my business was not and never was wanted. They even went as far as to say they have made a decision before any facts of the investigation have come to exonerate me as a vigilant consumer whose only falt was to report suspicious activity as is outlined by the terms and conditions that I had signed with Bank Of America ... Numerous senior representatives were shocked and flabbergasted as well as disappointed in this behavior and offered any assistance they could after seeing that I was transferred to 15 different people in the same day in the same department and suggested that I take this route to make sure my standing with this institution is redeemed and my banking future is secured
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

please delete the following accounts and inquiries now XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-08-05
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. (CA)

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In Accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX  Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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. 1681 Section 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 2024-08-05
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. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Experian credit reporting agency XXXX and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, and XXXX XXXX XXXX XXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (PA)

I asked for my contract with this company bearing my signature so I can take something to my local police department and still haven't yet received anything. Please hold this company accountable for not follow rules under 15 USC 1692B ON FAIR REPORTING because I think this falls under reporting unfairly and abusive of power.