davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
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 (CT)

I originally made the complaint and AMEX reached out but we were unable to connect consistently, and they 'closed " the case.. so to retell the story : I received gift cards to for the holidays, I can not use the cards anywhere, I have tried online multiple times, as well as in brick and mortar stores, they simply do not work. If you go on the AMEX gift card website, it says that there are funds in the card but they are consistently declined, everywhere. I called AMEX customer service and they can not offer me any type of resolution. They do not tell me where I can and can not use the cards ( their website falsely advertising that they can be used online and in person wherever AMEX is accepted ) They can not transfer balances for the unusable cards to a new physical card or somehow to my AMEX account, and they can not offer me a refund. It seems like they have designed their systems to skim a few dollars from the american consumer. They hold our legal tender hostage and tell us that there is nothing they can do about it. They have falsely advertised their products to be used anywhere AmericanExpress cards are used, which again, is completely false! I can not reach a resolution with AMEX customer service. I am happy to submit gift card numbers, serial numbers, original tracking numbers as well. please help! this isn't fair, and it's the holiday season, when we needed to use them. We paid a lot of money for this. Whatever you need please email me and i will submit all necessary documentation
Consumer complaint received 2024-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have attempted to resolve an issue with Capital One. I canceled a subscription with XXXX XXXX and Capital One gave me a provisional credit and then they reverse the provisional credit. XXXX XXXX advised that capital one charge that back from them and they dont have a refund to give me because capital one has to provide credit, going back-and-forth between XXXX XXXX and Capital One I no longer have that XXXX XXXX account it has been canceled and I provided information to Capital One and theyre refusing to credit the one XXXX payment has been canceled for order XXXX
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (TX)

I was signed up with XXXX XXXX from XXXX eye XXXX, XXXX, XXXX  for XXXX lenses. The initial charge was {$XXXX}. I was never told it was a 2 year promotional charge by the clinic. I worked very hard to get this paid for and I had it down to {$XXXX}. I am a XXXX  person living on Social Security! I went to their payment hub every month and made my payments. Nowhere on that site was it shown that it was a promotion and it would be ending soon. In XXXX, I went to make my payment and was shocked to see I had been charged an astronomical interest charge of {$XXXX}. I called them immediately and they put me on a program which they said reduced the interest rate from XXXX or XXXX  % to XXXX  % for XXXX  year. They are doing an auto payment of $ XXXX right now. My balance now is {$XXXX}. 
I just checked XXXX reviews on them- they have hundreds of XXXX star reviews and that is only because people can not put XXXX. They are charging people even after they payoff the balances. 
This company is terrible and I got caught up in their scam on Seniors!!! Shame on them and definitely SHAME ON ANY Medical related company that refers their patients to this company. What can I do to get out of this extreme overcharge?
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : XXXX XX/XX/year>2023 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/2023XX/XX/year>
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (AZ)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NY)

Spoke with CB/Indigo and this account was closed. Charged off as a bad debt. The account was opened on XX/XX/year>. This account was purchased by another lender that I do not have a contract with.
Consumer complaint received 2024-08-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC (PA)

Village Capital was supposed to approve a VASP modification program for me, based off the XXXX telling me that was the best option instead of XXXX to prevent foreclosure. They denied me because of the claim I was in active bankruptcy. My ex-wife who was never on the mortgage and is no longer on the deed claimed her own bankruptcy. Yesterday, finally village capital dropped the case of objection against her bankruptcy due to the fact that she never signed the note. I was on the hearing today and listened to the judge, the trustee, and her attorney speak about. They were all in agreeance that it should have never been on her filing. With that said, I would as soon as possible appreciate if my VA VASP refinance is pushed through.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. ()

Commencing on or around XX/XX/year>, I fell victim to a multilayered scam operation orchestrated by Italist VIP ( the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. In total, I was defrauded for total of XXXX  ETH which was transferred from my XXXX account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My name is XXXX XXXX I need a service charge for a wire transfer fee I got billed for {$30.00} over a wire transfer I did for {$750.00} on XX/XX/year> when I called customer support XXXX times they claimed they couldnt credit my account because the system won't allow them credit it back to my account or it wasnt eligibility to credit back credit it back to my account for me please etc. Account number XXXX
Consumer complaint received 2024-08-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (MA)

HI XXXX XXXX / CFPB / XXXX SEQUIUM ASSET SOLUTIONS; Whom It May Concern : I am writing to formally dispute the validity of an alleged debt from XXXX XXXX XXXX XXXX for {$300.00} that has appeared on my credit report. I assert that this debt is fraudulent, as I have never had any prior relationship with XXXX XXXX XXXX XXXX  or any of its affiliates. Moreover, I believe that my identity may have been compromised, leading to this erroneous claim.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate validation and verification of this alleged debt. Specifically, I demand that you provide the following documentation : Proof of Your Authorization : Documentation demonstrating your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to handle and collect this debt.

Legal Basis for Collection : A detailed explanation of the legal grounds upon which this debt is being pursued.

Authorization to Operate : Proof that your organization is authorized to operate and collect debts in my state of residence.

Evidence of the Debt : A complete and accurate copy of any contract or agreement, including my signature, that would obligate me to this debt.

Account History : A full account history, including any charges and fees that have been applied, along with the original creditor 's information.

In accordance with 15 U.S.C. 1692g ( b ), I also demand the cessation of all collection activities until the alleged debt has been validated as per the legal requirements. Furthermore, under 15 U.S.C. 604 ( a ) ( 2 ), I remind you that no information regarding this debt should be furnished to any credit reporting agencies without my explicit written consent.

Your actions in reporting this alleged debt to the credit bureaus and attempting to collect it violate several key provisions of the FDCPA, including but not limited to : 1692d : Prohibiting harassment or abuse in the collection of debts.

1692e : Prohibiting false, deceptive, or misleading representations.

1692g ( b ) : Requiring the proper disclosure of my rights and the validation of the debt.

1692f : Prohibiting the use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NY)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-11-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (TX)

On the XX/XX/2019, I paid my mortgage payment of {$1600.00}. This was to XXXX XXXX XXXX. I also signed paperwork stating that I wanted my taxes reimbursed once my tax exemption was finalized. I sent all documents to them. Today I received notification that my load was sold to Gateway XXXX XXXX, a division of Gateway First Bank. The person that I spoke to on the phone a XXXX XXXX let me know that my monthly payment would be {$1100.00}, which was correct. Now that I am setting up my account, I notice my payments have increased to {$1600.00}. When I called again to see what is going on about my tax reimbursement of {$440.00}. The service person tried to say that it was for the taxes before I bought the home. I told him that I personally paid XXXX County and have proof. This mortage company is doing everything in their power to get me to overpay although they have all the paperwork that clearly states that my monthly mortage payment is {$1100.00}.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (TN)

In XXXX due to XXXX and the lockdown I called Fay Servicing to let them know I was not able to afford my payment and was looking for some assistance. I was never offered any assistance Fay serving said they would mail out an application to assess if I qualified for any assistance which I never received.

Fay Servicing suggested we try and list the property which we did and got multiple offers. One was a cash offer of {$550000.00}. They would not short sell it for the difference of under XXXX XXXX. 

The house was listed on the XXXX on XX/XX/XXXX. 

We also let them know we had moved all our belongings before the listing date. 
We had told them our new address that we moved to. We were no longer living there and the pictures on the XXXX showed this. 
On XX/XX/XXXX I had emailed them paperwork for a possible Deed in leu of foreclosure. 

On XX/XX/XXXX, they sent out XXXX XXXX- to do an interior inspection of the property to take a picture of each room in the house. 

She mentioned that she noticed the power was off and I told her I already turned off all utilities. The result of the inspection indicated house was in good shape and should be listed at fair market value. 

At that point based on their inspection we were approved for a deed in leu of foreclosure. 

So, XXXX was told to proceed as a fair market evaluation and approval of Deed in XXXX of Foreclosure XX/XX/XXXX : I asked XXXX ( Fay Servicing ) and if they would be winterizing the home and she said XXXX worry about that ). 

I was in regular communication weekly/biweekly with phones calls from XXXX at XXXX XXXX. Regarding status of completed Deed in XXXX of XXXX XXXX XXXX, she is a Senior Property Preservation XXXX contracted by by XXXX Outsourching see below secured by Fay Servicing XXXX in XXXX. She called XXXX XXXX and said the property had been abandoned. 

[ Ive included the following : a mortgage statement dated XX/XX/XXXX indicating my current address Letter dated XX/XX/XXXX from Fay Servicing regarding the Deed in Lue of Foreclosure indicating my current address. 

XX/XX/XXXX Authorization to release information for the deed in lieu of foreclosure ]
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/year> I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I disputed the validity of the alleged debt. I also requested verification of the alleged debt, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. 

Account : PORTFOLIO RECOV ASSOC : Account No : XXXX Amount : {$390.00} Account : PORTFOLIO RECOV ASSOC Account No. : XXXX Amount : {$460.00} I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, XXXX, and XXXX. You must Cease XXXX efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Balance of {$11000.00} this credit card was stolen in 2021. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2023 XXXX XXXX contacted me regarding concerns of a credit card application that I was not aware of. They did not issue the card. Credit check was done. 

XXXX Bank of America did a a credit check and issued a credit card that I did not apply for. Bk of America have now closed the account. 

My credit score is being affected by these inquiries and card issuance.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (SC)

On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc. (MI)

Company provided a packet of disparate billing statements that do not satisfy validation of the allged debt. 

Cover letter did not contain : *An itemization of the current amount of the debt that reflects interest, fees, payments, and credits *The current amount of the debt when the notice was provided Company did not respond with proof they have permission to collect the alleged debt, nor did they provide proof they own the alleged debt. The billing statements provided do not constitute proof of ownership.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NJ)

The end of XX/XX/year> XXXX XXXX canceled my flight from XXXX TX to XXXX NJ, leaving me and my family stranded in Texas for 2 days. The flight was canceled due to mechanical problems with the airplane so we were told to book new flights and get a hotel room and we would be reimbursed by XXXX. So we booked a hotel, and a new flight with XXXX XXXX. The flight with XXXX was flying into XXXX PA, not XXXX NJ, so we needed a rental car as well. After submitting the receipts to XXXX XXXX we received a credit a few days later on XX/XX/year> in the amount of {$460.00} which was for hotel and rental car reimbursement and an additional credit in the amount of {$98.00} for the price difference between the XXXX XXXX tickets we had to purchase and the original XXXX XXXX tickets that were canceled. In addition to these payments from XXXX we were supposed to receive a refund for our flight that was canceled, obviously. However, we never received a refund for our original flights from XXXX and after a few phone calls and being bounced around by XXXX I decided to file a dispute with M & T Bank because I had paid with my debit card. I was given temporary credit right away on XX/XX/year> in the amounts of $ XXXX $ XXXX {$190.00} which were all charges related to the canceled flight with spirit. Then, on XX/XX/year> M & T Bank took {$460.00} + {$98.00} out of my account and said it was a provisional credit reversal. These transactions had nothing to do with the original purchase, they were additional funds owed to me by spirit airlines, yet, the money was removed by M & T Bank as a provisional credit reversal. There were also XXXX other disputes recently that were reversed by M & T because they said that I never filled out a form that they sent me, but I never received a form and nobody ever told me that I needed to fill out a form. These were the only disputes I ever filed with them and they were all reversed with no notice for false reasons. They told me to fill out the form for the other XXXX disputes and they would be reopened, which I did. However, with this one they are saying that XXXX told them to deduct that amount from my credit, which I do not believe because I have emails from spirit regarding these payments. So I asked to see that and they said they can request it, and if the request is approved I may or may not receive it in about 14 days. This is theft by M & T Bank.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bull City Financial Solutions, Inc (NC)

I recently check my credit and saw there were some fraudulent accounts that I didnt authorized here are the accounts BULLCITY FINANCIAL SOLUTIONS amount {$4900.00}, XXXX XXXX XXXX {$190.00}, and XXXX XXXX {$1100.00}
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HoldCo LLC (CA)

Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation which involved me making deposits for a total amount of XXXX USD from my Bitcoin Depot account to fraudulent investment firm ( XXXX ).