davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) with AMEX spoke to me regarding a request to provide financial documents because I was under financial review. 

I had just opened up a XXXX XXXX card with AMEX not long ago because of their sign up bonus offer to provide XXXX points if $ XXXX was spent within XXXX  months. I had a similar offer that was provided to me a few months prior for a regular XXXX card, XXXX points if I spent $ XXXX in XXXX  months. I did however do this on the regular platinum card, received the bonus points and always paid my account in full. 

XXXX XXXX asked for paystubs, my bank statements and the bank statements for the bank account that was used to pay the AMEX bills. All of those items were provided. On Friday XXXX I spoke to another representative asking if they had everything they needed, she said, everything looks good on their end, they are waiting on XXXX to finalize her review since she wasn't there on Friday to provide an update. 

On Monday XX/XX/year> I receive a call from XXXX. She immediately says that AMEX has decided to close my account after their review. I questioned her and asked how come. Her response was quite simple, because the account you make payments from isn't your account, its under someone else 's name. I told her yes, my husband pays all bills through his bank account and that is how we run finances in our household. He and I are legally married. She said, that is the reason why and its against their agreement. I said ok, can you show me where in the agreement it says that payments need to come from my bank account otherwise any accounts with AMEX will be cancelled. She couldn't answer me and said its in the documents. Then she goes on saying she has been working for AMEX for 15 years. Then I asked again, in 15 years of working, where does this information come from, or are you making things up now. Because if you don't have proof of it, then it must be made up. 

I requested a XXXX, she took her time to try reaching a XXXX and she couldn't do so. I requested to speak to someone else, she said someone could reach me back in XXXX hours. It became personal and she didn't leave me any room to have a proper discussion to understand what I did wrong for her decision. After getting off the phone, I received an email that ALL my accounts with AMEX have been cancelled. Also, giving up the bonus points of XXXX which I was almost was going to receive.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (VA)

XXXX XXXX XXXX is garnishing my wages in the amount of {$4300.00} for a debt that is not validated. I submitted a request for debt validation on XX/XX/2024 per XXXX XXXX XXXX g and still my wages are being garnished even though this debt is in dispute. I sent XXXX XXXX, the president of XXXX XXXX, via certified mail, XXXX search results and certificate which state that I am not a debtor. There has been no validation of debt and there is no proof of any contractural agreement between myself and XXXX XXXX XXXX.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (GA)

I made XXXX $ and XXXX $ transactions online from my marcus to a joint savings account which is owned and operated by me and my wife.

I. Missed a call from marcus 2 days later.

I tried reaching out to them back immediately but marcus could not connect me to relevant person. 

As this has happened they blocked my account.
Consumer complaint received 2024-08-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (AZ)

Today is XX/XX/year>, and we sent a full loan modification file to Shellpoint. We have a XXXX loan and a foreclosure sale date of XXXX. We need the sale date postponed until the loan modification file can be reviewed. The XXXX  will also reach out to Shellpoint on our behalf, and we would please like the Qualified Written Request that is attached, responded to and answered, in fullwith all due respect. XXXX, my husband, is a XXXX XXXX XXXX.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (FL)

XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, Equifax, XXXX and XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

[ XX/XX/XXXX : Notified by XXXX that payment of {$1500.00} for damage claim was ready for transfer ; immediately emailed a receipt and noticed the last XXXX digits of the bank account in the paid to category was incorrect by XXXX digit ; called XXXX who stated the funds would be rejected due to the name and account number not matching. ] [ XX/XX/XXXX - XXXX : Dispute submitted to USAA after notifying them of the error ; USAA responded that the funds had not been located and refer back to sender to locate, send a letter of XXXX, OR provide a XXXX trace number. ] [ XX/XX/XXXX - Called USAA and they insisted that they needed an account number or trace number to locate funds ; reached out to XXXX XXXX USAA from XXXX to resolve the error. ] [ XX/XX/XXXX : XXXX XXXX from XXXX, emailed a Research Request Form compiled by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX handles transactions for XXXX ) ; this document was compiled after complaining numerous times of needing more information on the transaction so that USAA could locate the funds ; the option to reverse the deposit was never given to me. ] [ XX/XX/XXXX : By this time XXXX disputes had been submitted to USAA but the newest dispute contained the bank account number that the funds incorrectly went to so that USAA could locate the funds ; USAA responded funds posted as directed no error occurred. Refer back to sender to send letter of indemnity. Note that the previous dispute on XX/XX/XXXX gave XXXX options to rectify the issue ; after the funds had been located, we are now being told they can not remove the funds from the incorrect account without a letter of indemnity. XXXX more disputes have been submitted with USAA with no progress. ] [ I have called XXXX XXXX XXXX approximately XXXX times ; they claim that they are unable to transfer us to XXXX XXXX XXXX Each time they take my contact information and no one ever reaches out. We have also emailed XXXX ' and XXXX " requesting help and a letter of indemnity but made no progress. ] [ The only direction I received from XXXX Customer Service was to contact the following number XXXX ; from then on I am told someone in XXXX XXXX  will reach out and they do not return our request. ]
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

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 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

My information was sold to a third party that I didnt authorize to have my information. I am no longer required to pay this debt. The laws states that its illegal to sell my personal information.Per the cfra as a federally da protected consumer I am now opting out of any and all authorization. I the consumer may have given you written unwritten verbal and nonverbal notice.

Per 15 usc 6802
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group (FL)

CKS Prime Investments placed delinquency charges on my credit report claiming they brought my account from XXXX XXXX due to my unexpected financial difficulties. They claimed I missed a payment and the balance they reported is not even correct due to the new negotiated amount with the correct company who brought the account from XXXX XXXX. CKS Prime Investments sent me a letter dated XX/XX/year>. The balance they reported was : {$7400.00}. The issue is XXXX has been negotiating the same account with a company named Velocity Investments LLC and I have a letter from them dated XX/XX/year>. And it shows proof of them accepting the negotiated amount of : {$3400.00} and payments have been made. I have proof of payments and balances. I only found out about CKS Prime Investments because I just started trying to refinance my house, but the bank told me of a delinquency was reported on my account coded that its in collections. I am soooooo confused and I have been in contact with all three credit bureaus. I recently discovered the details of what CKS had reported because I received a letter from XXXX today. CKS Prime Investments are reporting false information on my credit report causing damage and delays for refinancing. And the information they are reporting is not even true. Please help.
Consumer complaint received 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (WI)

I took out a student loan close to 15 years ago for XXXX dollars. It was only for 1 semester and never continued with college. I was doing by best to pay loan. Went through a divorce and eventually file bankruptcy. This entire time I was not able to make payments and I was not allowed to include in my Bankruptcy. Eventually I was able to start making payments again but my loan processor kept on putting me into these repayment plans because i wasn't able to afford there requested monthly payments. I have been making payments on a monthly basis for the past 7 years and my current balance of the loan more than the original loan amount. It was never explained to me that all my payments would just be going to the interest and that I would also be getting charged capitalized interest as part of these repayment plans. I also find it interesting that my current loan servicer, Navient, decided that after I was going to make a complaint with them and question my loan that they were going transfer my loan to a different servicing company. That just seems a bit odd unless you were guilty of something.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (SC)

I was notified on XX/XX/XXXX of an account requesting address change, which I did not make. Account was with BB & T/Truist Bank XXXX I previously banked with this bank but closed my only account with them in XX/XX/2023 and no longer was a customer so I knew this was not my account. I went to the local branch and noticed them. The employee notified me that someone opened an account in Pennsylvania, where I have never lived. They also were approved for a credit card from that bank at the same time. I thought this would have prevented the imposter from being able to use the card but I recently, two days ago, saw on my XXXX XXXX that there was a new card from Truist bank and it was already at 100 % usage and this person has already essentially maxed out the credit card. I went back to the local branch today and another employee called the fraud dept of the bank and we talked with that person for over an hour. I had to leave to get my children from school and couldn't stay but she was placed on hold for 45 minutes so I need to be sure that this person does not attempt to impersonate me anymore. Their bank account needs to be closed, as well as this credit card and I need to be sure they no are not permitted to open any other accounts or use my identity for any other nefarious activities. I'm concerned they have my social security number and I need to be protected.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (PA)

Hi Im writing this due to being over charged by Elan Financial Services a credit card company purchased through the XXXX XXXX XXXX. 

I call as well as paying my bill by using the app. The agents tell me that they take my payment less than XXXX XXXX ( XXXX ) hours for which they dont, where the money sits in my account long enough to where it interferes with my other bills. 

I know that the new law for credit card fees are not XXXX XXXX XXXX XXXX ) for which they charge me. This has been happening month after month where they now close my account and tacked on extra fees. 

I went into the Bank sometime ago in XX/XX/year> for which they explained to me that I couldnt pay in person its either over the phone or on the app. How am I suppose to pay my bill. The services are terrible, it takes forever to get a live representative on the phone. 

I thought that this agency are suppose to watch over these credit cards companies as well as help the citizens not being ran over on. 

I filed a complaint with XXXX XXXX, XXXX XXXX called, I returned their phone calls, its like playing phone tag.
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (ID)

Issue is related to XXXX car and Chase holding loan. The car is not functional due to a software issue that XXXX is no allowing for any on site service that was previously promised. Chase is fully aware of the XXXX issues as many vehicles have been affected. Chase has been asked to Hold on the payment as my car is dead and XXXX is not providing any service.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (NV)

Noticed fraud charges on my account from XXXX, disputed charges on XXXX. Received an email that I would get a response back after XXXX business days and a provisional credit would be applied. Friday XXXX XXXX XXXX  was told I would get an email at XXXX, which never did. I have chatted and called and I am constantly told no way to contact back office and I have to wait even though the email clearly states the XXXX as my first day and XXXX business days is XX/XX/XXXX. I chatted and they said I would hear from them within a week?!
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (FL)

Zelle transactions made in error to a recipient in two separate occasions. 
XX/XX/year> {$4000.00} XX/XX/year> {$4000.00} When I realized the transactions were made incorrectly to the recipient I called him directly and this person refused to refund the money back. Multiple attempts were made directly to him, on my last attempt this person angrily refused to return any money and hang up without given me an opportunity to explain the situation. This person was under the impression I was doing something illegal. 

Subsequently I went to my banking institution but unfortunately they were not able to help.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (MI)

I recently conducted a review of my credit report, and I noticed that your agency showed multiple credit inquiries that I find to be problematic. The first inquiry in question was apparently made by, XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX -Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX -Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also filed a identity theft report with FTC
Consumer complaint received 2024-07-19
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (TX)

ON or around XXXX I saw lot of preapprovals on credit karma for credit karma, at first, I didn't pay any attention to it but i kept receiving preapproved for credit cards which i then applied for but once I applied for a credit card through credit karma. Once I applied, around 2021, I was then denied. I was distraught and angry. I felt deceived and I was told but credit karma that I was preapproved, and this was a lie. Now every time i see approvals I immediately close my phone and I dont want to check my credit as often as I was before due to the fact credit karma lied to me by telling me I was preapproved. I can no longer trust any preapproved information being sent to me.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-15
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. (NC)

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. 

Account Name : 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 and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.