davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

It is astonishing how bad financial services can be. Businesses like American Express can do whatever they want, profit from it, and customers are left with absolute zero protection. 

I have an American Express digital prepaid card that can only be used online ( digital, not physical card ). 

I tried to use at XXXX XXXX XXXX XXXX to purchase entrance tickets. Transaction denied. Tried again, transaction denied. 

I was forced to use another card to pay for it ( it was accepted immediately ). 

I called American Express customer service. First, they don't really offer an option to talk to someone. I had to pretend I wanted to purchase a new card to reach an agent. The agent that answered, named XXXX, was horrendous. He was unfriendly, confusing, was arguing with me, asked me to spell my whole name even though I gave him full card number, and at the end said it was declined due to safety reasons. He said I can try to use somewhere else online. 

Safety reasons? I tried to use it online in a well known place ( XXXX XXXX XXXX XXXX ). It is absurd to decline this transaction. 
There was no way to ask them to allow me to process the transaction again. 

I deeply regret purchasing an American Express card. 

Not only that, it saddens me to see this kind of service being accepted by regulators.
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (MD)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated attempts to address the inaccuracies in these accounts and my requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Account number - XXXX Account name - XXXX XXXX closed and copies of of all three credit reporting agencies all reporting Information on the same account that is different and inaccurate such as payment history, balance due, status, late payment date. On my credit report which has violated my rights under 15 us code 1681 A, B, C. 
I Request within 30 days the verification an the means in witch this information and payment history was validated this debt with in the allotted time or have this deb t removed on the grounds that this information is inaccurate, and in paragraph 2 of this titled exclusions and sub paragraph State that transactions are not included in the consumer report. I request that all late payment history be removed or this account be removed of the credit report. I request all the ways that the account was verified as correct
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PR)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$1300.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} ). Its been over 45 days and ( credit bureau ) havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am a victim of identity theft and did not open those accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me from moving to a new home. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Consumer complaint received 2024-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased my home in XXXX thru Bank of AmericaXXXX with a XX/XX/XXXX home loan purchase. Remodified home in XXXX with XXXX. Second loan was forgiven.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Hello, I previously submitted a complaint with CFPB weeks back and still can not get through with Capital One to find a resolution. The Capital One Credit Cards that have been closed are under my former name, XXXX XXXX. My current last name is XXXX. The XXXX credit cards I am referencing were closed in the last 12 months. The cards were a Platinum One and Quicksilver credit card. Capital One informed me that they can not locate my account based off the Case # Capital One provided in the attached letter. I would really like to find a resolution and resolve my credit card balances with Capital One, but I truly need them to understand I have financial hardship and am asking they settle for a lesser amount. Please help me and have them contact me at my phone number- XXXX XXXX XXXX. 
Thank you, XXXX XXXX
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (CA)

This account was charged off on following date : XXXX XXXX Since date of last avtivity has been inconsinstanly updated the last active XX/XX/XXXX on XXXX, XXXX and Experian, We can not say this account is 100 % accurate, it is demand inaccurate, and please delate this account.
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CO)

I received an official looking letter from a company called Convergent, trying to collect a debt that I dont owe and know is a scam. 
After looking up this company, I know its a scam. Theyve also tried sending my friend letters like this before, pretending to settle the debt for a lower amount. 
Theyve already scammed me out of hundreds of dollars before I realized what they do.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My XXXX XXXX and I are beneficiaries of the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , which has a situs in Georgia. Bank of America is the trustee. I received distributions in the past but have not for several years. Based on my understanding, my son is currently entitled to distributions. We are both beneficiaries under Georgia 's definition of beneficiary, as outlined in OCGA 53-12-2, and are entitled to information under OCGA 53-12-243.

I have made multiple requests to obtain a copy of the trust document and an accounting of the trust. Below is a summary of my attempts : XXXX. XX/XX/2024 : I made an initial request via a phone call with an admin who indicated she would send the information by mail. I did not receive anything. 

XXXX. XX/XX/2024 : I contacted the same person who informed me that in response to my request, the trustee had removed me from the account. I also spoke with the trustee that day, who confirmed she would follow up via email. She did not. 

XXXX. XX/XX/2024 : I reached out again via telephone to escalate my request. The person I spoke with promised to follow up with me by the end of the day. She did not. 

The lack of response and failure to provide the requested documents have caused significant frustration and concern regarding the management of the trust. I am seeking assistance to ensure that Bank of America fulfills its fiduciary duties and provides the requested documents promptly.
Consumer complaint received 2024-06-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (TN)

I submitted previous complaint regarding this matter ultimately being an amount more than what I am owing that was sold by XXXX XXXX and still sold debt out on total amount as if I paid them nothing. I took a loan out with XXXX XXXX and paid owed amount down to {$700.00}. This is the accurate amount owing, not {$1000.00}. The collection agency responded saying the last payment WAS made in XXXX since account opening in XXXX and again that was because they had some kind of departmental changes and when I called to make payment everyone I spoke with seemed like they couldnt locate my payment plan on account because it was handled by a certain department. Spring Capitol response did not acknowledge attached receipt of payment and owing balance in any way. This collection agency has bought an inaccurate debt amount from XXXX XXXX and is not trying to acknowledge this fact as provided PAYMENT RECEIPTS DO NOT LIE.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (MS)

On XX/XX/year> a hacker was able to access my XXXX XXXX account online. They transferred money from my bank account to my IRA then sent a bank wire using the funds from my bank account and my IRA to an unknown party. I did not authorize any of this. I called swab the day that this occurred. They basically told me that they could put in a recall to try to get the findings but if they could not there was nothing else they could do. However when I opened my schwab account I opened it because what they advertises the swab security guarantee which states " We offer you this simple guarantee : XXXX will cover losses in any of your XXXX accounts due to unauthorized activity. 
The highest levels of security are only possible when we work together. To ensure your protection under this guarantee, it is your responsibility to : Safeguard your account access information.1 Please do not share your account access information, including but not limited to your login ID, password, PIN and transaction codes, with anyone. If you share this information with anyone, we will consider their activities to have been authorized by you.2 Report any unauthorized transactions to us as quickly as possible.3 If you suspect you are a victim of fraud, please contact us immediately at XXXX '' I did not share my login information to any individual and reported the unauthorized transaction as quickly as possible but XXXX XXXX is still saying that I am liable for the {$10000.00} loss.
Consumer complaint received 2024-08-24
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Bread Financial Holdings, Inc. (NV)

Yes, I have tried to call you guys 3 times on XX/XX/year>, regarding the XX/XX/year>, as to where is it coming from? I don't know what service i'm getting but this is not expectable.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Incomm Holdings Inc. (IA)

I purchased a Vanilla Visa card on Friday XX/XX/year>. I placed {$300.00} on the card and it was stolen, before it was even taken out of the cardboard wrapping. I thought maybe it was in my car, as my car was full. ( This gift card was purchased for my best friends celebration of life. She was murdered. We were best friends for 30 years and one of our favorite things to do was to go to the mall at XXXX time and put money and a card in an envelope, hand it to strangers, and hide and watch them open the card. We loved seeing their faces light up. ) so this card was going to be part of the celebration. My car was full as she didnt have any family and I was the only one to throw it for her. When I finally got my car clean, no gift card. I called the company, Incomm, right away to report it stolen. They had me email a copy of my drivers license, verification of address, and a copy of the receipt. I sent it in and got a receipt confirmation. I called the next day to confirm the card got cancelled and to know the balance as of cancellation. Customer Service kept telling me to allow 10 days. Who makes you wait 10 days before canceling a card that is reported as stolen. All I wanted to know was if the card was cancelled and the balance. They couldnt even provide that info. I said I was fine waiting for the funds, and allowing them to investigate, but I was not ok with them taking 10 days to cancel the card.
Consumer complaint received 2024-08-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunnova Energy Corporation (SC)

I XXXX XXXX from XXXX  about XXXX  years ago and had a solar lease on the house that was supposed to transfer to the new owner. The company failed to transfer the system after they where notified of transfer due to an unknown to me XXXX  day transfer limit before i would have to call back. I was moving to the other side of the country and selling a house. I notified the company the day i listed the house and assumed that like almost every other company they would allow transfer upon request. They did not. i then spend several months providing all necessary information to both the new home owner and Sunnova so they could transfer the system. Sunnova refused to contact the new owner or repossess the system. Now it is effecting my XXXX  career and i just want to have this resolved. They are also in violation of their contract of providing me with kWh as i no long live in that house let alone that state.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I have received emails from XXXX XXXX XXXX, the latest dated today, XX/XX/year> about a debt that I do not owe to XXXX XXXX XXXX on behalf of another third party collector LVNV, via an additional 3rd party collector. At this point I am FED UP with this nonsense and I am reaching out to the CFPB. I am not sure who these people are other than they are a 3rd party agencies. I do not have an original contract from or with them, nor anything ( statement ) that shows what was supposed to have been charged! I do not owe them anything! I am feeling harassment, that is illegal. I do not have an agreement with them nor do I know who they are. I am requesting a cease and desist from XXXX XXXX XXXX and LVNV. Thank you!
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On XX/XX/XXXX I contacted Transunion about the following negative accounts ; XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$1300.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On my credit report is a collection from a company called FCO. I have never heard of them. Nor do I believe this debt is accurate. I looked FCO up online and found their contact info. Referencing the FTCs website, wrote them a debt validation letter. My letter refers to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). It specifically asks FCO what the debt is for, how FCO calculated the debt, proof of any document with my signature, proof the statute of limitations has not expired, and proof FCO is licensed to collect this from me. In the attached letter, they responded with a vague response, a balance, and a statement saying I owe the debt. They provided no contract and/or proof that this debt is mine! Consequently, Im formally requesting you contact this collection company and have them send me a confirmation this debt has been removed from their system. I want to be assured I am not responsible for a debt FCO can not legally prove is mine.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc (NY)

The company responded that they never received payments past XX/XX/year>. This is false because the {$20.00} was paid and I closed the account and they kept trying to take money from my bank and ACH account even after I cancelled and closed my subscription. Ava finance tried to fraudulently force me into keeping the subscription by dropping the payments to {$9.00} to continue gaining access to my banking funds two months after I already cancelled. I had reported it to my bank.
Consumer complaint received 2024-08-21
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CCS Financial Services, Inc. (NJ)

I have a Progressive insurance collection that is still reporting and updating every month. The account was settled for the less amount and the agreement was to delete after XXXX from payment this collection is still show on my account on XXXX and XXXX. I want Credit Collection Services to this removed this item in full
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MN)

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. And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX / amount {$1700.00}, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX amount {$3500.00}, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX {$230.00} XXXX XXXX of XXXX XXXX XXXX # XXXX /amount {$3000.00} Account XXXX XXXX XXXX # XXXX /amount $ XXXX PAID OFF XXXX XXXX XXXX SELF FINANCIAL  ) /amount {$720.00} =PAID OFF XXXX, XXXX, and XXXX have violated my rights. 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.
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I did not authorized this inquiry. 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 an account without my written instructions