davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (KY)

1 Payment in the amount of {$950.00} was sent to American Express XXXX XXXX XXXX XXXX XXXX CA XXXX via XXXX XXXX XXXX XXXX. 

3 Payments in the amount of {$930.00}, {$650.00}, and {$760.00} were sent to AMERICAN EXPRESS XXXX XXXX XXXX XXXX TX XXXX via XXXX XXXX XXXX XXXX XXXX Payment in the amount of {$970.00} was sent to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX on XX/XX/2022. 

AMERICAN EXPRESS refused to acknowledge payment or credit to my account. 

Attached documentation ( see Chat XX/XX/2022 ) will show that I have reached out to AMERICAN EXPRESS multiple times during the month of XX/XX/2022 and given them opportunity to act in honor. They have chosen not to. 

Attached documents will show that these payments were sent in good faith, according to the expressed wishes on how payment should be received. 

American Express has not returned the payments, they are holder in due course. 

The American Express CFO was assigned Fiduciary for XXXX XXXX regarding American Express Accounts, in XX/XX/2022 and has accepted the position by acquiescence. He is currently in Fiduciary non compliance as he has not acted in the best interest of XXXX XXXX. 

Assuming that AMEX is required to abide by XXXX ( general accepted accounting procedure or practice ) : 12 USC 1831- XXXX XXXX XXXX has to account for negotiable instrument ( A signed Application, Trade Acceptance, Orders are negotiable instruments ). 12 USC 1813 ( I ) ( 1 ) borrower is to receive credit for their negotiable instrument. AMEX is in possession of documents that are self liquidating paper according to 17 CFR 260.11b-6. The contract between the parties is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar.

According to UCC 3-602, payment has been made in full.

AMEX is the Holder in Due Course. No remittance has been returned with explanation for rejection. No response means AMEX has accepted payment, yet neglected to credit the account.

In order for AMEX to deny the instrument, the instruments needs to be returned with a notarized letter of dishonor and opportunity to cure according to : UCC 3-104 UCC 3-111 UCC 3-306 UCC 3-603 UCC 3-602. AMEX has not done this.

It is entirely plausible that AMEX has accepted the payments and NOT reported it to the account of XXXX XXXX due to so many attempts to contact AMEX and being given the run around over and over. Again, refer to attached AMEX CHAT XX/XX/2022, which covers the entire month of XXXX.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Greetings, In a nutshell, on XX/XX/2022 our Fifth Third Bank Perferred Credit Card was charged {$1700.00} XXXX in XXXX, XXXX for a {$12.00} XXXX taxi cab ride. Minutes after returning to our hotel, we were alerted by an email from Fifth Third asking if it was suspicious or fraud activity... I called immediately from our hotel phone ( a {$7.00} XXXX call by-the-way ) and told the bank representative it was indeed fraud. 
She immediately cancelled our card and said a new one would be mailed to us .I told her to also cancel the charge or put it " on hold '' and she said she could not until it went from pending to posted. I said to her " that makes no sense. '' She assigned a case number which is XXXX. 
The charge was to " XXXX XXXXXXXX XXXX XXXX XXXX '' and we were staying at the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX. 
The next day after returning back home to XXXX, Ky I and logged into our account and saw the fraud charge posted so I called again and was told to supply documentation showing our correct hotel... .I gave them a copy of our bill for our stay ( from XX/XX/XXXX until XX/XX/XXXX ) including the phone charge to call. 
Now more than 6 weeks later, the entire fraud charge is still listed with even an interest charge added to it. 
This is not right, we responded immediately and told them it was fraud and it should have been taken care of just like fraud problems we have had in the past with XXXX XXXX XXXX XXXX and once with a XXXX credit card that were rectified right away by those institutions. 
Please contact Fifth Third Bank and find out why a fraud charge is still being expected to be paid. 
I can supply any documentation needed. 
Thanks, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ky XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-28
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: EQUIFAX, INC. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have disputed the late payments on XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX XXXX, and XXXX/XXXX  XXXX, accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Firstly, The United States Bankruptcy Courts state on their website that the DO NOT verify, nor do they report bankruptcy records to ANY consumer reporting agency. Please provide documentation of your proof of verification. Also, I have personally researched the identification number XXXX that you have provided and found no validity of you claim. 
According to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

A report of a bankruptcy is an infringement of my right to privacy and such reporting is a direct violation to the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 4 ) a consumers right to privacy. 

This inaccurate reporting has caused me immense hardship and needs to be rectified immediately. 

Congress also states that I, XXXX XXXX, must give written permission to Experian to access my public information : 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have not, in fact, given Experian written instructions to report this information according to the law above. By reporting said information Experian is in violation of section 604 by asserting this false and erroneous report. 

Failure to respond satisfactory with deletion of the Bankruptcy and all other erroneous information that you are reporting on my consumer report will result in legal action being taken against your company for which I will be seeking {$1000.00} per violation, defamation of character, noncompliance, civil liability, mental anguish and the FCRA 15 usc 1681 for violations under willful noncompliance, section 616 civil liability for noncompliance, 15 usc 1681n.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

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, 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.

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX  in XX/XX/XXXX under account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX-, and a credit card account opened at XXXX XXXX XXXXn XX/XX/XXXX under account number XXXX-. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and all collection activity related. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (MO)

Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed within 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified the FTC.
Consumer complaint received 2023-10-14
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # ( LISTED BELOW ), 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. XXXX  NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX. I didn't say that's its incorrect. I asked to remove it because I'm a small business owner and my vendors have dropped me because of this.. now remove the accounts or I'll sue for violation of my rights under the constitution!!!!
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (IL)

I have tried multiple times to fix an inaccurate account on my report with experian. Acima credit shows an installment loan for $ XXXX which I never agreed to- did not buy anything for that amount. I have asked several times for XXXX and Acima to provide the contract showing my signature engaging in a contractual agreement for any product or service in the amount shown on my report. Its been over a year and they have not produced any such paperwork just keep saying its verified. I am requesting they either provide the contract showing my signature or delete the account from my report per the fair credit reporting act.
Consumer complaint received 2022-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NE)

I called Navient on XX/XX/2022 XXXX XXXX asking about the public service loan forgiveness. I was told I do not have the correct type of loan and it could not be changed. I then proceeded to ask about the Biden forgiveness and was told to wait and not consolidate because my payment and interest could go higher ( currently at 6.5 % ). Again incorrect information. My husband has the same loans and we chose to wait. I confirmed I should follow up in a month. I called today and was told the deadline had passed. I only found out from a friend today that I could consolidate into a " direct loan '' in order to qualify for the public service loan forgiveness ( in 2 years ). We have now lost out on the opportunity to forgiveness $ XXXX from my husband 's loan ( pell grant + loan ) and my student loan. I believe this was just providing false information in order to keep our loans and continue to pay 6.5 %.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Brightfunders, LLC (WA)

This is regarding the property located at XXXX XXXX XXXX XXXX XXXX WA, XXXX. {$80000.00} in insurance proceeds being held by Lower LLC and now XXXX should have been dispersed to me when requested in the middle of XXXX. I have been waiting two months to receive the funds for a process that should have been completed within a week. For some context/background : This loan was previously with Lower, LLC and was transferred to XXXX, XXXX XXXX. I had a burst pipe in XXXX at the house which required extensive repairs and mitigation. My insurance company ( XXXX ) wrote a check to myself and lower LLC back in XXXX. Lower then dispersed $ XXXX to me to begin the project. The project was completed in early XXXX and I paid for all remaining repairs out of pocket. I ordered an inspection through Lower LLC at the beginning of XXXX. It took over two weeks to even get a response from an inspector who wasnt going to be in my area until the middle of XXXX. The inspector completed the inspection on XX/XX/XXXX evidencing the project was 100 % complete and sent that report to lower. I followed up with lower a few days later to inquire about my funds and was informed, they couldnt find the inspection. After speaking with a supervisor, they managed to find the inspection and were going to overnight me my funds. Nothing arrived so after a few days I called back to then be informed they also needed an updated adjusters report as well as lien waivers ( without my prompting I can only assume they would have done nothing ). Both were sent to lower the same day. Adjuster sent them an email directly on the same day as well. On XX/XX/XXXX, they had everything they needed to send me my funds. 13 days later my loan was sold to XXXX, still no funds sent to me. 

I now call provident and am informed that they do have my funds, but none of the accompanying documentation. I was told I should just continue to wait and eventually Lower will send over the documents and XXXX will process my payment. Obviously, that hasnt happened, and XXXX has not received the documents from lower. I have called lower LLC many times with no success of gathering the information required to have my funds disbursed to me. They no longer take phone calls. 
This has caused financial duress as they have held {$80000.00} in funds for over two months now in a process that should take less than a week.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

Good morning My name is XXXX and i face a really weird situation regarding Chase Bank and I'm writing to you because I do really need help. 

I had 2 employers and at the mid of XX/XX/2022 i uploaded online in my bank account ( Chase Bank ) 4 paychecks : 3 from employer XXXX and 1 paycheck from employer XXXX XXXX. Next days my bank account was closed. 

I visited Chase Bank and they told me that happened because the paychecks need to be verified because it was a suspicious that may be a fraud. So it will take couple days. I was waiting till end on XXXX. After that, they told me that they verified the 3 paychecks from the first employer and it's ok, but they can't verify the 1 paycheck from the second employer cause they don't have a phone number. So, all the amount from the bank account ( including the 3 verified paychecks ) was, ,frozen '' and hold by Chase Bank XXXX 

I tried to provide a lot of phone numbers from my employer but Chase refused to use them because they are not in their database. 
Also, my employer contacted them, but Chase Bank told us that they don't accept the verification and only Chase can call the employer not viceversa. Even, if the paycheck contain the mail address of my employer, the verification can be done only by phone. 

My employer ( they work with XXXX XXXX ) filled an application to recall the funds. Chase bank refused to return the money to my employer. So, at this point, Chase hold all the money and don't want to give it to me, but also don't want to return to my employer. 
So it's been almost 3 months and we cant solve this issue. 
Please help me. If additional information may be needed, i can provide.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Being a Capital One customer for over 9 years, I decided to take advantage of an upgrade to my account that was advertised as 1.5 % Cash Back, NO Annual Fee and {$150.00} cash bonus after a certain amount of purchases. 

When attempting to execute the offer, they would only upgrade me to the 1.5 % cash back but would not give me the other benefits. 

After debating with the XXXX XXXX, I was offered the No Annual Fee, but not the Cash back. 

When I decided to accept that offer, ( which I have saved on Chat with Service ) the asked me to disregard the offer and required an Annual Fee. 

Capital One is misleading, untrustworthy and disloyal. The also showed complete disregard for any issue that would create a negative effect on my credit should I cancel the card.
Consumer complaint received 2023-10-16
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

This issue concerns a complaint that has been addressed and resolved through cfpb on XXXX previous complaints. Complaints XXXX and XXXX. I didn't bother calling this debt collector out of frustration with the repeated harassment and invasion of privacy by these debt collectors representing XXXX. I do not owe XXXX any debt nor have any contract with them ( please see attached previous complaint ). I don't know why these debt XXXX continue to report a debt that does not exist on my credit reports. This is currently reported in XXXX and XXXX.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Fifth Third owns my mortgage on my primary house. The house had a fire, which was covered by my insurance. The insurance company XXXX XXXX XXXX has approved ~ {$80000.00} in damages and has sent me a {$43000.00} check in XXXX ( 5 MONTHS AGO ). I have met with Fifth Third in-person many separate times and have had XXXX phone calls. I have uploaded countless documents into their portal ; however, every time I speak to someone the requirements change. 

It has been XXXX and a half months, multiple calls & meetings & I can not get bank to co-sign insurance check. My contractor is ~ 80 % complete & hasn't been paid a dime. 

To get the final XXXX of my initial claim check, they insist upon an inspection. I finally set up an inspection appointment & the Fifth Third Representative was a No-Call No-Show. I took a vacation day for this meeting! I called Fifth Third and they had no way to contact this " inspector '' XXXX