davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

I created a dispute regarding a transaction from XXXX that took place on XX/XX/XXXX. I submitted a detailed letter of the events surrounding the event at the request of American Express. The response from American Express says I did not provide the requested document. In the letter I uploaded to American Express, I stated a representative from XXXX told me Id get a refund after order cancellation. I did not receive the refund, hence, the creation of the dispute. 
American Express investigated the wrong transaction. American Express investigated a transaction from XXXX that occurred on XX/XX/XXXX. The response from American Express says the order from XX/XX/XXXX was cancelled. However, the order is still active. American Express has given me false information. 
American Express did not attempt to reach out regarding the new investigation. Regrettably for American Express, the company is not dealing in good faith. If American Express can not deal in good faith, the government will force it to deal in good faith with all customers.
Consumer complaint received 2024-07-11
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. (TX)

My repeated efforts to resolve the fraudulent, inaccurate, and misleading entries on my consumer report have been unsuccessful. These items have severely disrupted my life, leading to considerable stress. I emphasize that I never authorized this information to be linked to my name, as I am a victim of identity theft.
Consumer complaint received 2024-07-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

The U.S. Department of Education found that The XXXX XXXX and its parent company, XXXX XXXX XXXX, made pervasive and substantial misrepresentations to prospective students about post-graduation employment rates, salaries, and career services. Being as the loans given were fraudulent I asked Mohela if they had a process for loan forgiveness for fraudulent loans. They replied that private loans are not forgiven under the Biden-Harris administration 's forgiveness. That was the only response. It seems to me there should be some process to forgive fraudulent loans. The interest alone is life altering. Now today Mohela is getting sued for just these kinds of things. Please help me to get through to this company. Thank you for Your time.
Consumer complaint received 2024-07-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC (OK)

Phoenix financial services had called to report about my medical debt from XXXX and threaten to take legal action if I had not started immediately paying my debt, which in turn made me pay a debt in a 12 month monthly installment of XXXX XXXX the real hillcrest company calling me after letting me know that a 12 month plan installment was actually XXXX XXXX and told me to instantly take action against that other company Phoenix financial services LLC
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

The mortgage company failed to pay our property tax on time, and we received a tax penalty. The mortgage company using our money in an escrow account to pay the penalty, when they should pay the penalty out of their own pocket due to their late payment.
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (SC)

My payments keep going up with Wells Fargo. I am now at 14 % and I cant afford to pay this and I only owe XXXX on my home. I paid XXXX on XX/XX/XXXX and paid XXXX on XX/XX/XXXX receive a letter stating that I owe XXXX due by XX/XX/year> this doesnt add up.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services (PA)

In XX/XX/XXXX I started the dispute process with XXXX for the following companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ALSO DID NOT CONSENT INQUIRY FOR THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received a correspondence from XXXX dated XX/XX/XXXX indicating that I wanted to challenge fraud on my report, I sent in all identification to prove it was me on XX/XX/XXXX I received a correspondence stating the disputes I want to challenge. 
I called XXXX on XX/XX/XXXX to check the status, and they told me that they hadn't received any of my identifications to move forward. I said that they couldn't send me correspondence of all the collections I was disputing on XX/XX/XXXX. Please understand, that I am in a dire financial crisis as a XXXX veteran. I want to apply for a HELCO loan and my bank told me that I need the following collections removed from my credit report. Now this was the last step of the process when I submitted a letter on XX/XX/XXXX a letter stating Notice of Pending Litigations Seeking Relief and Monetary Compensation Under CFRA 15 U.S Code 1681n Civil Liability for willful Noncompliance And 15 U.S Code 1681 Liability FOr Negligence and Noncompliance And 15 U.S Code1692k Civil Liability. 

After talking to XXXX supervisor, XXXX. He tells me I have to start the dispute process over again. I am asking that XXXX expedite my disputes to have the mentioned items above removed. I did my part, but someone at XXXX dropped the ball. I called each month since XXXX requesting that they move forward with the investigation, and they did not. Your immediate attention is appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Date of Birth : XX/XX/XXXX Note : This is an emergency.
Consumer complaint received 2024-07-24
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: BARCLAYS BANK DELAWARE (MN)

I opened an XXXX XXXX credit card with Barclays on XX/XX/year> with a promotional offer. The terms of the offer state that if I spend {$15000.00} in XXXX year that I will receive XXXX bonus points in addition to the points that I earn on regular purchases. In my case, I spent {$15000.00} so I would receive XXXX points ( bonus plus " on all other purchases '' category ). To date, I have only received XXXX bonus points plus XXXX points for regular purchases. I tried calling Barclays to address this issue but was not able to speak to someone who could resolve the issue.
Consumer complaint received 2024-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a victim of debt bondage, a severe form of XXXX XXXX I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX  Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (PA)

Dispute ID at AMEX : XXXX Amount : XXXX XXXX ordered a pair of shoes from XXXX XXXX XXXX I tried them on and realized they were too small. I dropped them off at XXXX the XXXX  day. However XXXX XXXX refused my return because : XXXX. The shoe tip were damaged, and they provided a picture before shipping, taken from the top of the shoes ( attached ). However, the damage was at the front of the shoe tip which couldn't be seen from their picture. To prove that, when they declined my return, and sent the damaged shoes back to me, I took pictures from the same angle ( pictures attached ) and the damage couldn't be seen. So the picture they provided can't prove the shoes were in perfect condition before shipping to me, hence they couldn't use that as an evidence to show that I was the one who caused the damage. 
XXXX. They also claimed that I removed the protective sheets from the shoes. To prove that, they simply provided pictures of shoes without protective sheets and claimed these were from my returned package. Since I am sure that I didn't remove anything from the shoes, I asked them to provide video proof ( or anything that can prove the shoes taken from my returned package were without protective sheets ). But they kept ignoring my request. I refused to acknowledge that those shoes were the ones I returned, and it's also possible that someone removed the protective sheets when they detected damage on the shoes so they can ask the customer to pay for their mistake. 

I disputed the charge on AMEX and provided all the details, proofs and reasons ( attached ). But they kept declining my dispute and passing me the same email from the company. The XXXX  time they declined my dispute soon after I resubmitted the dispute. They are not listening to their customers and not protecting my right. As a XXXX AMEX customer I'm extremely unsastisfied with the service.
Consumer complaint received 2024-07-24
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. Collections West, Inc. (MI)

I rented this apartment in XXXX California because I was running from a XXXX XXXXXXXX situation this was in the dessert literally I drove XXXX miles to a store everyday back n forth I pleaded to move with these people and they instead locked me out of this place and left me and my kids to be homeless at the time we stayed at a shelter and they seized all my furniture in the apartment and refused to give it back to me stated it got stolen now 6 years later and they still wont move this debt out my name this has stopped me from moving on in life so I started to call this company and tell them they are ruining my life and if they would take {$1400.00} for the debt and leave me alone the lady told me that she will garnish all I have in my life and she will sue me call me everyday and ruin my life, she called me a immigrant and told me she would personally call immigration on me ruin my credit ruin my life as long as she can I dont know why this company is being so personal with me this debt was made up in XX/XX/XXXX in the incorrect amount as well and it is XXXX XXXX and they dont want to remove it untill XX/XX/XXXX and I really am in a desperate situation to move and I can not rent buy a home with this following me for the past XXXX yrs I am trying to be reasonably with them and pay my debt but the hate is real here this has gotten personal and my life is on hold in XXXX Michigan XXXX with XXXX kids whoever is reading this please help me Im tired of this company at mental war with me thank you his bless you
Consumer complaint received 2024-07-24
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. (OK)

I am a victim of human trafficking of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BYTRANSUNIONJXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank. from XX/XX/24 to XX/XX/24 i have being charged 8 times ( less than 2 weeks ) {$35.00} for a total of {$280.00} on overdraft fees. As today, my acc has a posted amount of - {$590.00}, where almost half of the debt is overdraft. And they say it will be more charges if i don't pay in full right away. I explain to them that I'm going through a hardship situation, but they say they can't do anything at this time. To make it wors, most of my automatic payment were less than {$35.00}, and they say the charge {$35.00} even if the failed payment is just {$1.00}. So, i don't think this is fair, and it should be illegal. someone has to do something ; banks can't do whatever they want. I also going to file a claim with Wells Fargo 's regulator.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CHARLES SCHWAB CORPORATION, THE (AZ)

XX/XX/year> I WAS TO OPEN AN ACCOUNT WITH CHARLES SCHWAB, CHECKING ACCOUNT. THEY SAID TO GET A TEMPORARY SECURITY LIFT FROM XXXX. 
XXXX THE LIFT WAS ACTIVE AND THEY DECLINED MY APPLICATION. 

CHARLES CLAIMS XXXX GAVE THEM DEROGATORY INFORMATION ABOUT ME ULTIMATELY DISREGARDING ME. 

WHO GAVE XXXX PERMISSION TO SPEAK TO XXXX XXXX I DIDNT, I PURPOSELY LOCKED EVERY REPORTING AGENCY FOR THIS REASON. 

WHO GAVE XXXX PERMISSION TO RESPOND TO CHARLES OR FOR MY NAME? I DIDNT I EVEN CALLED THEM AND REGISTERED WITH THEIR SITE TO SEE EXACTLY WHAT IS ON MY ACCOUNT. 

CAN YOU BELIEVE THEY REPORT ABSOLUTELY NOTHING ON MY ESSENCE. I HAD TO INPUT ALL MY INFORMATION. THE REPRESENTATIVE ON THE PHONE CONFIRMED THERE IS NOTHING TO REPORT. 
WHY DID XXXX STEAL MY IDENTY AND REPORT INACCURATELY ON MY BEHALF. THEY TOLD CHARLES SCWAB HENIOUS INFOMATION THAT IS UNVERIABLE WHICH IS AGAINST THE LAW! FCRA TO BE EXACT WHY DID XXXX FABRICATE SUCH INFORMATION THAT THEY HAD NO PERMISSION TO SHARE? 

I ALLOWED XXXX, AND ONLY XXXX TO TALK TO XXXX ON MY BEHALF. 
WHY DID CHARLES GO TO XXXX IF THERE WAS NOTHING OF NEGATIVE VALUE THERE WHY NOT JUST OPEN THE CHECKING ACCOUNT? 
I WANT A FOIA REQUEST STATING YOUR PROCEDURES IN OPENING AN ACCOUNT. 
I WANT TO SEE WHY DID YOU GO THE EXTRA MILE TO GET ANY INFORMATION ON MY NAME WEATHER IT WAS FABRICATED OR NOT? 
IM EMBARSSED, I COULD NOT EVEN OPEN A TRUST CHECKING ACCOUNT TO HANDLE MY OFFSPRINGS AFFAIRS. 

CHARLES WHAT WAS THE REASON TO DENY ME? ACCORDING TO THE LAW THERE IS NO REASON TO DENY ME ESPECIALLY SINCE IM THE SURETY FOR THE ACCOUNT AND YOU ALREADY HAVE MY PERSONAL INFOMATION.

THIS SHALL SERVE AS NOTICE, I WAS VIOLATED AND NEITHER COMPANY WANTS TO TAKE THE BLAME BUT BOTH BENEFIT OFF MY NAME.
Consumer complaint received 2024-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NV)

Payment of XXXX was made on XX/XX/XXXX but has never posted. Contact attempts were made on the following dates ( averaging XXXX hours per contact ) XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX I always provided with a target date the payment should post but it continues to never post. I have email and written confirmation other payment.
Consumer complaint received 2024-07-25
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (MD)

The president has been removed for violations of the XXXX XXXX XXXX and XXXX and XXXX bank has to cancel this debt or loan any debt or loan by this has to XXXX annulled the staff at m and t bank gave me a XXXX XXXX recipient a loan they now he could not pay by XXXX XXXX XXXX XXXX a XXXX XXXX recipient gets all state assistance m and t bank is state government and they can not make a sssi ssa recipient pay a debt by XXXX XXXX rule XXXX XXXX XXXX section XXXX is a right for all XXXX XXXX recipients XXXX code a ssa ssa recipient can get a loan from any bank and not have to pay XXXX XXXX recipients are not suppsed to be given loan but only grants that they do not have to repay by giving XXXX XXXX recipients loans they are defrauding the government XXXX XXXX XXXX can not be taxed used to pay a debt as a doj XXXX this is fraud to close my account t to give XXXX my XXXX who has committed fraud by not giving XXXX XXXX recipients all state assistance when they signed the XXXX XXXX XXXX prerelease agreement which XXXX was convicted of and XXXX overpayments the are caused by no police reporting or social worker reporting in institutions a person in any institution can get full benefits but the m and t bank women who disouted this to this can not get any XXXX XXXX benefits or this theft of my filing m and t bank does want me to pay this debt because they do mot want me to have an account also tell m and t bank do not lay in my emails and calls or petition for me in nothing or boycott me in XXXX bank they are in defraud of the XXXX XXXX XXXX benefits can not be taxed now if m and XXXX bank wants me to pay this debt then send me a new card or if not waive the debt also I did not ask m and t bank for the XXXX credit limit that is entrapment also order m and t bank do not keep calling XXXX XXXX telling them do not increase my pay and give overpayment settlement in XXXX I have been working at from since XXXX as doj XXXX of lost benefits where I reported that XXXX would not give the XXXX XXXX prerelease agerment of section XXXX and All-State assistance to all XXXX XXXX recipients that were released in XXXX and were entrapped by them taking over a XXXX bank
Consumer complaint received 2024-08-19
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. (FL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXXXXXX XXXX inquiry ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FIRST NOTICE!!! As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within XXXXdays of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Since XX/XX/year>, there have been multiple unauthorized withdrawals from ATMs that I have not made and have no awareness of anyone else who could have. I had XXXX in XXXX and was not attentive to my finances until I was further into my recovery in XXXX. I contacted Chase Bank to alert them of the issue twice that day to make claims on the XXXX connected accounts ( a linked checking and savings ). They told me it would take 10 days for my claim to be reviewed. I kept waiting for a reply, but then received a denial in a letter regarding the claim I had made on my savings, and no response to my checking claim. No evidence that I had even made one. 

I called the police and made a report with the XXXX, and I went to the local branch near my home on XX/XX/XXXX to get assistance. The local Branch tried to help, but the claims department continued to deny my claims despite the local branch 's efforts. ( XXXX XXXX was the banker i met with ). 

I called back and had my claim reopened only to be denied again. I would like my money back.
Consumer complaint received 2024-06-22
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-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 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am submitting a dispute and investigation request for these wrongly reported accounts on my credit file. Per the Fair Credit Report Act, I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.