davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
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 (TX)

Dear Consumer Financial Protection Bureau, I am seeking your assistance with a dispute involving XXXX XXXX and American Express. Here are the details of my case : Reservation and Cancellation : I made a reservation with XXXX XXXX for an event scheduled for XX/XX/year>. I later rescheduled the event to XX/XX/year>. In XX/XX/year>, I decided to cancel the reservation, doing so 30 days before the event as permitted by our contract. 

Contract Terms : According to the contract I signed, the cancellation policy allows for cancellations up to 30 days before the event. It also specifies that cancellations can not be made via voicemail but must be communicated by other means. 

Attempted Cancellation : I attempted to contact XXXX XXXX  by phone to cancel the reservation but was unable to reach anyone. Given the lack of response, I sent an email to cancel the event, as no other contact method was available. 

Vendors Actions : Despite my attempts to follow the cancellation procedure, XXXX XXXX ignored my request and charged me for the event. I made further attempts to resolve the issue by contacting them via phone and email, but they did not respond. 

Dispute with American Express : Due to the unauthorized charge, I filed a dispute with American Express, providing a copy of the signed contract as evidence. However, XXXX XXXX responded to the dispute with a falsified version of the contract, showing different cancellation terms and stating that cancellations must be made in person or through direct staff contact. 

XXXX  XXXX : Despite providing American Express with the original signed contract and other supporting evidence against the vendors falsified documents, American Express ruled in favor of XXXX XXXX. 

Given the discrepancies in the contract and the vendors refusal to respond, I am seeking your assistance in resolving this matter. I believe that both XXXX XXXX  actions and American Expresss handling of the dispute are unfair and unjust. Your intervention would be greatly appreciated to help address this issue and ensure a fair resolution. 

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EdFinancial Services (MD)

I use the XXXX  XXXX  app to dispute my XXXX  credit report. I previously opened a case/Dispute File Number : XXXX was opened on XX/XX/year> and is still open with no response. Can we close this dispute so i can dispute another transaction please? It was supposed to be completed by XX/XX/year>. This was against " edfinancial services. '' Please close this dispute so i can open others. Thank you. The lender is showing incorrect information and not responding in 30 days. Please XXXX  XXXX  close this dispute. I will utilize XXXX and cfpb ; then attorneys or more important people to dispute the non responsive " edfinancial services ''. Please close the credit karma dispute so i can utilize it against another issue on my report. Thank you.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft where an XXXXXXXX XXXX XXXX was opened without my consent nor knowledge. I have submitted an FTC report and a police report regarding this matter. According to the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, any information resulting from identity theft, including fraudulently opened accounts, must be promptly blocked from appearing on my consumer report!
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to lodge a formal complaint against Bank of America regarding their failure to provide me with a physical address to submit my opt-out notice from sharing my personal non-public information with non-affiliates, as stipulated by the U.S. Privacy Act. 

On XXXX, I spent over two hours on the phone with Bank of America 's customer service. During this time, I was repeatedly given the run-around and transferred 20 times. Despite my persistent efforts, I was not provided with a physical address to submit my opt-out notice. At the end of this frustrating ordeal, I was informed that they do not have an actual address for this purpose, which is both unacceptable and in violation of my rights under the U.S. Privacy Act. 

This lack of transparency and cooperation from Bank of America is deeply concerning and has caused me significant frustration and inconvenience.
Consumer complaint received 2024-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

Hello CFPB and CCS Team, I am writing today because my credit is still being damaged by this company. I ask that my letter be reviewed and my credit report be updated with the removal of this account ASAP. 

I am being hindered from being able to move forward with my life due to this. 

Please cease and desist any and all communication and reporting of this account.
Consumer complaint received 2024-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-14
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I opened an account at XXXX XXXX with Wells Fargo. Everything from the start was misleading & I was only given the information electronically in the store to sign for the account. After a point of time all the interest was added to my account and I was unaware. I called and they told me they would let me settle the account without the fees. I was told I had 3 days. I called back. No one could verify this or help me do so. The account was then closed. I was unable to access the account and could not even get someone on the phone to help me locate the account. I am extremely frustrated. I need account settled. It continues to post to my account as past due. What do I do? No way to access account.
Consumer complaint received 2024-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

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 2024-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (CA)

I called to have all the old accounts removed and they wouldn't do it plus, they wanted me to pay for all of them again I want all of them off my credit report now I want all the old accounts off my XXXX credit report now!!!! 
This is totally XXXX up my credit scores!!! 
sorry for the language But, this is XXXX XXXX what you people let the credit card companies get away with!!! 
Thanks Take care
Consumer complaint received 2024-06-13
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: PNC Bank N.A. (IN)

I checked my credit today and noticed XXXX inquiries that I do not recognize they do not belong to. 

XXXX XXXX XX/XX/year> - XXXX PNC BANK XX/XX/year> - XXXX XXXX XXXX  XX/XX/year> - XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

We began calling on the XXXX of XXXX after applying online. 
they did send a strange email that was supposed to link to a letter that would supposedly explain the reason we were denied. after entering the information they requested ( name, code # etc all I got was a message stating information not found I then called every week and was transferred to different departments, with the end result being that we would receive a letter which to this date never came.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (OH)

Check Number XXXX from my money market account for {$1300.00} made to XXXX XXXX. I called bank THAT SAME DAY and to HOLD The check and NOT let XXXX XXXX cash it. XX/XX/XXXX : I called KEY at the XXXX number. The KEY person on the phone XXXX number said OK. I asked if they could waive the fee to hold. he asked his supervisor who said yes and then they said 'OK, YOUR CHECK WILL BE ON HOLD UNTIL YOU TELL US WE CAN TAKE IT OFF OF HOLD '. next thing you know my {$1300.00} is GONE because XXXX XXXX cashed it. 

What in the XXXX happened? And KEY needs to reimburse me NOW! The records these idiots wrote down are NOT TRUE. I have banked with Key for over 8 years now. NEVER in my life have I seen this happen. It is so simple : HOLD THE CHECK. DO NOT let it be cashed. I get confirmation that is has NOT YET BEEN CASHED AND THAT THE BANK IS HOLDING THE CHECK UNTIL THEY HEAR FROM ME. and what happens? This is XXXX. I expect total reimbursement NOW
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

I have the XXXX credit card from Synchrony Bank. When I used it I earned points.I switched cell phone carriers from XXXX to XXXX but I continue to have the XXXX Credit card. I tried to redeem the points I earned, but they are gone. These are points I earned from using the credit card while I was a XXXX phone customer and credit card holder. They said once I switch carriers for my cell phone, they take away all the points I earned by using the credit card. First of all this doesn't make sense because I earned the points from using their credit card not from using their phone service. Second, They never told me this before taking my points. They never told me this when I signed up for their credit card. Third, they took points that belonged to me. It was my possession they were holding. It is like you earn interest from a savings account at a bank, and then when you change banks, they take away the interest. That's illegal. The interest belongs to you. The points belong to me. What XXXX is doing is illegal.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

synchrony bank/lowes ( SYNCB/LOWES ) is illegally reporting late payments consistantey to the credit bureaus till this day on a closed/charge off account which is consistantley lowering my credit score with al three bureaus that I have complained about directly to them. The account was first fraudently closed with out my permission and had an available balance of {$7000.00} that I never got to use that I also received a inquiry on, and never got to use and WITHOUT MY PERMISSION WHICH IS FRUSTRATING IN ITSELF, and it only had a balance of {$850.00} and I'm still getting late payments reported till this day! 
The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. The IRS states that a cancelled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES. 15 USC 1681s-2 ( B ) ( 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 not asking for verification or validation of this account. the only response to this letter is the Deletion of the inaccurate information being furnished. Delete the following account from all three of my consumer reports : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} for each infraction
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NC)

According to Law 15 USC 1681B, the Fair Credit Reporting Act ( FCRA ) section 605B makes it unlawful to report information without my consent. Additionally, USC 15 section 1681 mandates accuracy, fairness, and privacy in the reporting of personal information. Under 15 USC 1692G, there are specific requirements for debt validation, and 15 USC 1666B addresses the timing of payments.

A fair resolution to this issue would involve Immediate removal of the erroneous information from my credit report.

Failure to remove negative items upon dispute may result in a liability of {$1000.00} per item, as outlined in 15 USC 1681n ( Civil Liability ) GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal have not updated their information from XXXX, which has falsely reported late payments on my account. I have uploaded documents to prove I was not late and my accounts should be updated. Theyve partially updated my account for the dates theyve reported late which still isnt accurate.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my 2nd complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 {$0.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} U S DEPT OF ED/XXXX XXXX XXXX XXXX {$0.00} U S DEPT OF ED/XXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$920.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$7100.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX Employer XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Employer - XXXX XXXX Employer - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-09
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: Shellpoint Partners, LLC (TX)

CFPB Complaint Division, On XX/XX/XXXX, I contacted Shellpoint Mortgage Servicing to alert them of life circumstances that I was contending with and I was seeking their support to secure a loan modification. 

XXXX XXXX, Shellpoint XXXX was assigned and did nothing to assist me other than advising me that my modification had been denied and that I needed to make my payments???? 

Throughout XXXX, or more specifically, XX/XX/XXXX, my Family had several XXXX XXXX deaths, which has significantly affected my financial position and has createda financial strain which I am bouncing back from... 

I was being proactive by reaching out to XXXX as per their instructions only to discover what tangible options were available for me to consider.. 

My primary directive of this email communication was to see what available mortgage loan options ( i.e. loan modification ) that exist, to assist me manage my debt. 

I want to reiterate that I have never been tardy on any outstanding liability, let alone my mortgage. 

I advised Shellpoint that I was trying to organize my finances after taking on unplanned debt, or more specifically my Brother 's hospital/medical/sustained assistance due to several limb amputations, and no health insurance, for the multiplehis surgeries. 

Some type of mortgage payment deferral or pause for XXXX and XXXX would have allowed me to get back on track, but was told by my Shellpoint XXXX, XXXX XXXX that there was nothing they could do given I was not delinquent and to reach back out to them when I was??? I did. 

At their direction, I completed the loan modification paperwork XXXX ( XXXX ) times and provide a list of normal monthly household expenses with supportingdocuments for the following : Utilities - {$700.00}, Revolving - {$800.00}, Installment- {$970.00}, and household - {$350.00}, XXXX landline telephone - {$130.00} Internet ( for working remotely ) - {$89.00} Cellular phone - {$91.00} Medical prescriptions - {$200.00} Doctor office co-pays - {$90.00} Gas - {$80.00} and Auto Insurance- {$75.00}. 

I remind you I started this process XX/XX/XXXX, I am still trying to complete this and Shellpoint Mortgage has been non responsive. 

I intend to bring my mortgage current XX/XX/XXXX using XXXX loan proceeds, but Shellpoint is unaware given they have stopped trying to communicate? 

Much appreciation for your assistance in this horrible experience. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX