davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I am filing a complaint against American Express ( Amex ) due to misleading information and lack of transparency surrounding an {$800.00} Amex gift card I purchased for online transactions. My goal was to use this card for essential payments to XXXX XXXX XXXX ( for condo fees ) and XXXX XXXX XXXX ( for a digital document fee ). On XX/XX/year>, I attempted to make these payments online multiple times between XXXX XXXX and XXXX XXXX, but each transaction was declined by Amex, despite valid funds and reputable merchant services. 

Upon contacting Amex Gift Card Customer Support immediately afterward, I was informed by the agent that they could not identify the reason for these declines. The agent indicated that an error in Amexs online advertisement led to a misunderstanding ; apparently, not all online merchants accept the Amex gift card, even though this limitation was not disclosed to me at the time of purchase. The representative confirmed that Amex would neither issue a refund nor provide any alternative solution to resolve this issue, effectively preventing me from accessing my own funds.

This lack of transparency, combined with Amexs refusal to refund the balance or provide a workable alternative, has caused significant inconvenience and limited my ability to fulfill essential financial obligations. I am now unable to use the funds I allocated specifically for these transactions, resulting in both financial and time-related stress.

Resolution Sought : Refund of {$800.00} : I am requesting a full refund of the gift cards balance to recover the funds I intended to use for necessary online payments.

Clear Disclosure of Merchant Acceptance Policy : I ask that Amex revise its advertising to include a clear disclaimer about limitations on merchant acceptance for the gift card. This would prevent other consumers from experiencing similar issues in the future. 

I appreciate your attention to this matter and look forward to a resolution that allows me to access the funds I have already paid for and planned to use.
Consumer complaint received 2024-10-06
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. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-31
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: GOLDMAN SACHS BANK USA (NY)

There have been 11 disputes I raised in the past 3 years with regards to fradulent card use, overcharging, charging for cancelled orders and other charge issues. 

The bank closed these disputes without providing any substantiation, reason for closure, appropriate proof provided by the merchant, if any, and so on. 

I repeatedly requested them to send me the relevant documentation. First they refused completely. They said they can not send this by email but only by physical mail which I requested. To date, I have not received any of this. 

There also isn't any solid dispute tracking, no tracking numbers, etc.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (NY)

This is with regards to the Apple Card by Goldman Sachs Earlier this year, they locked me out of my account 'for security reasons '. After this, the card stayed locked for an extended period of time, a few months. During this time, the company did not send me statements. 

After some time, the bank sent me a notification that there was an amount past due. I tried logging in to see how much it was and how to pay it but any information and payment functionality was unavailable because the system did not let me in! 

Turns out there was literally a few dollars worth to pay and the bank subsequently, after kicking me out of the system and disabling my ability to pay the card, reported a deliquency and tanked my score by some insane 10 %! 

I complained about this to customer service and they refused to take any action whatsoever.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

On XX/XX/year> I wrote the below letter to Citi Bank to investigate and return a {$4400.00} payment I made in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Citi Bank Payment Investigations Team XXXX XXXX XXXX XXXX XXXX SD, XXXX Subject : Request for Investigation of Erroneous Payment Dear Payment Investigations Team, I hope this message finds you well. I am writing to formally request an investigation regarding an erroneous payment I made to a closed credit card account. Below are the details necessary for your review : Account Holder Name : XXXX XXXX XXXX Citi Bank Account Number : XXXX XXXX XXXX XXXX Closed Credit Card Number ( last four digits ) : XXXX Payment Amount : {$4400.00} Posted Date of Payment : XX/XX/year> Reason for Closure : This credit card was an old XXXX XXXX XXXX XXXXor the XXXX XXXX, which I no longer use as I am no longer employed there. 
My funds came from a XXXXXXXX XXXX  checking account number ending in XXXX Given the circumstances, I kindly request a full refund of the {$4400.00}. I can be reached at my phone number or email provided above for any further information or clarification needed during your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX I spoke with Citi bank representative on XXXX XXXX and was unable to reach a resolution and was offered the above contact by fax number for resolution. I have not received a notification of receipt of any kind for the above fax and I am using this avenue to guarantee receipt to the company and hopefully resolution.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sterling Infosystems Inc. (FL)

Sterling is giving false information to a potential employer and now I am under review and may not be given the job. They have XXXX XXXX and XXXX XXXX listed on my report that I have never used. They are reporting the incorrect drug results twice. I had to take the test again and they have reported the same information from the original test 2 times. as an issue with the temperature. The original test was taken XX/XX/year> and the employers gave me a chance to retake the test for I didn't have enough XXXX the first time. The test was with XXXX on XX/XX/year>. The XXXX test was on XX/XX/year> with XXXX and there are no issues. On XX/XX/year> they sent a report to the employers showing the same results twice. How could they have received the results from the XXXX test when it takes 3 days to receive? And the test was taken XX/XX/year> the same day they sent the results to the employer. I tried to tell them this and have disputed the names and the incorrect results twice. This company can jeopardize me getting this job due to incorrect information and they need to be stopped. This is affecting the ability for people to get jobs. 
NOTE : I can't change my old phone # of XXXX my new # is XXXX.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

To Whom It May Concern : The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

You are allowing a Fraudulent account to appear back on my credit report after you have already deleted it TWICE. The account placed a WRONG address on my credit reports as well! I never lived at XXXX XXXX XXXX XXXX, WY XXXX. Why am I still battling with you to delete the Wyoming address. I never lived in Wyoming!! I pay all of my bills on time and have zero negative items on my credit report. Experian has deleted this item on XX/XX/XXXX report # XXXX, Then again on XX/XX/XXXX report # XXXX. 

On XX/XX/XXXX, Experian responded to my CFPB complaint # XXXX that the account is not apperaing on my personal credit report. This is the THIRD time it has been deleted and still apperaing on my credit report! 

Experian responded : " According to our records, the disputed information does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. '' 1. The following account is not mine XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} There were unauthorized charged to My ATM Card by a company called XXXX XXXX XXXX XXXX XXXX XXXX. I didn't realize it until the XXXX of XXXX when I login to my account and saw my bank got wiped out. I called TD Bank to report the fraud and to stopped the card. They said that they will investigate and let me know what was going on. It has been XXXX days and TD Bank haven't respond. I called TD Bank several times and they just simply told me that they don't have an update for me. This is the first time something like this ever happens to me so I don't know what to do and TD Bank have been ignoring my situation I think.
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (CO)

my car needed repairs to the tine of XXXX, i got pre-qualified and then officially approved. it was income based and i had to put in my bank account information. after i got approved it said it was interest free for XXXX days and i let the XXXX XXXX know and they started repairs. after the repairs were finished XXXX XXXX called me and said they were done and they would send me the contract. the contract says i have to pay back the XXXX before the 90 days or the total automatically goes up to XXXX. om currently paying XXXX a month and it's automatically taken from my bank on pay day, processed XXXX days before so i have no option to stop it. i told them this interest rate was illegal and they said it wasn't interest it was a fee and i explained that they advertised it as interest free for 90 days but they're technically saying it's completely interest free and there's just a huge fee and this advertising makes no sense. I'm trying to get a loan to pay it off but i don't have the best credit and everywhere wants a secured loan and i have a bonded title and can't put my vehicle against the loan. the current loan is killing me and i have no options for a co signer and no idea what to do. i didn't get the full terms of the contract until after the repairs were done and i had no choice to sign. in order to pay it off in time I have to make XXXX monthly payment of almost XXXX from the beginning instead of the XXXX monthly payments of XXXX I'm paying. I've barely managed to stay afloat but I'm now overdrafted and i won't be able to pay rent on time this month. i don't know what to do
Consumer complaint received 2024-10-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company (IN)

A HUD XXXX in the amount of {$25000.00} was brought to my attention during an attempted refinance. FHA case # XXXX. This was added to the loan as a forbearance program under the CARES act by Freedom Mortgage. I was unaware of the amount of this XXXX as it was all signed post haste after missing payments over the course of a year. I initiated and made them aware of my difficulty prior to missing the payments after I was consoled to take advantage of the CARES act ( my work shut down for months without pay due to COVID ). The missed payments alone do not add up to the amount on the lien. My understanding at the time and as of current is no additional fees or interest were to be added to the missed payments as outlined in the XXXX act. I contacted Freedom Mortgage on XX/XX/year> at XXXX for further information. They pointed me to another servicing agent that pointed me to XXXX who XXXX pointed me back to Freedom Mortgage for the breakdown of how the amount was determined. My payment at the time was $ XXXX including PMI and escrow. Due to the lack of adherence and disclosure of the amounts and breakdowns, I am contacting CFPB to file a complaint and possible legal action to correct this. I lost money from backing out of the refinance, my daughter is at risk of being removed from her college as funds are no longer available for her to continue due to backing out of the refinance option.
Consumer complaint received 2024-10-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION (FL)

CD that may have been escheated to Regions corporate office. Last statement provided was on XX/XX/XXXX with a value of {$12000.00}. I've visited the bank on XX/XX/XXXX and on XX/XX/XXXX to see how I can retrieve my money. The bankers assisted but followed up reporting that they had no records of the CD on their records. I've provided evidence that I had a CD with the bank and the bank never called or communicated to me they were closing my CD account. The bank researched further and even went as far as looking at FL unclaimed property website, but no information was available. After which, the bank said they can no longer assist in locating my money.
Consumer complaint received 2024-10-31
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

My first knowledge of this debt is when it appeared on my credit report. I don't recall receiving a debt validation notice within five days of this initial communication, as required by 12 CFR 1006.34, or the necessary validation information, including the name of the original creditor, the amount of the debt, and an itemization of the debt as required by 12 CFR 1006.34. I request that any negative information related to this alleged debt be removed from my credit report until the debt is properly validated, in accordance with 15 U.S.C. 1692g ( b ). I also request that National Credit System comply with all provisions of the Fair Debt Collection Practices Act and Regulation F, including providing the required validation information and ceasing collection efforts until such validation is provided.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX : I disputed the above account severa times and it came back verified and I want to know in the world is possible to verify something inaccurate and illegitimate especially when it violates my consumer right. XXXX, XXXX and Transunion are working in cahoots with XXXX XXXX XXXX to blatantly trample and violate my consumer right under the FCRA. 

According to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I am a natural person, I am a living human being, I have rights under 15 USC 1681 and these companies are governed by these laws and they violate my rights time and time again. I have a right to privacy and did not give these companies written permission to report the above misleading information which paralyze my way of living. 

I can go on and on showing blatant violations for the reporting agencies...
Consumer complaint received 2024-10-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: GUARANTEED RATE INC. (IL)

On XX/XX/XXXX, my husband and I applied for a 30 year fixed real-estate mortgage with Guaranteed Rate ( XXXX XXXX XXXX XXXX ) for purchase of a home. On XX/XX/XXXX, the mortgage team informed they will submit our application to underwriting and conduct a " hard pull '' on the credit check, which we agreed to. However, the company did not give me an opt out or disclosure that Credit Bureaus XXXX XXXX ) would sell information regarding my credit check. For days after this credit check, I was inundated with phone calls and text messages from other mortgage processors across the country who were alerted to my credit check information. 
To protect consumers, federal privacy laws give consumers the ability to opt out of this information sharing. 12 CFR XXXX. We were not given this opt out option by Gauranteed Rate or XXXX XXXX. Upon complaining to XXXX XXXX, his solution was that we " ignore our phone calls '' but nothing was explained about how we protect our disclosed private information ( which was the primary concern here ).
Consumer complaint received 2024-10-04
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. (MI)

i took a look at my credit report and i see some inaccuite information on my report that i need off my credit repot because it is hurting my report. i need a debt validation and verification letter confirming details of the debt of these companies Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX I Account number XXXX Account type Collection and there are address that are not mine and i do not stay at all, my address is XXXX XXXX XXXX that is in XXXX MI XXXX is the zip all other i need off my report. Do to the FCRA I have the right to a accurate credit report from this data furnisher and i will like an update with proof of and ingestion and an updated report. 

Thanks, and have a blessed day sincerely XXXX XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/2024 Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX Subject : Demand for Immediate Removal of Debt from Records Dear Portfolio Recovery Associates , LLC, I am writing in response to your recent attempts to collect a debt that I dispute. Because I am disputing this debt, you should not report it to the credit reporting agencies. Since you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Demand for Verification : I request the signed contract of the assignment of debt. A copy of a bill and a letter stating when you acquired the debt is NOT proof of the Assignment of Debt Contract. It is against the law to sell you a debt that is not owed. The IRS defines a charge off as forgivable or canceled debt. If you can not provide this information within 30 days, you are required by law to cease all collection activities and remove this debt from my credit report. 
Failure to Comply : If you continue to pursue this matter without providing the requested documentation, I will not hesitate to escalate this by seeking legal counsel to protect my rights. 
Cease and Desist : Please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ) Legal Action : Be advised that I am prepared to take appropriate legal action against your agency should you fail to comply with these demands. The continued harassment regarding this disputed debt is unacceptable and will not be tolerated. 

Govern yourself accordingly. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (GA)

The Consumer Reporting Agency ( CRA ) created a consumer report utilizing my names, which intellectual property are the private property of my Irrevocable Trust, without my written authorization or consent and is furnishing information from that unauthorized consumer report - information that was collected under false pretenses - to banks and other lenders, which has resulted in adverse actions that have caused serous harm. The CRA is in violation of the Trust law, the Fair Credit Reporting Act and federal intellectual property statutes.