davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an American Express gift card from my employer in the amount of {$750.00} at the end of XXXX. I planned to use this on a cruise on XX/XX/XXXX. However, Am Ex declined all attempts to pay for my expenses on the cruise, even though the cruise line accepted the gift card as a form of payment. I called Am Ex, and all they would say is that the safety of my gift card is very important to them and to try using it with a different vendor. I also tried using the card at XXXX online on XX/XX/XXXX, however, purchase was declined by Am Ex. I tried using it at XXXX XXXX online on XX/XX/XXXX and it was declined by Am Ex. On XX/XX/XXXX I was going to attempt to make some purchases at XXXX, which is the only site it seemed to allow purchases, I checked the balance on the gift card, expecting to have over {$200.00} left. I was completely horrified to find that someone had made 2 purchases on XX/XX/XXXX one for {$200.00} and the other for {$37.00}, at a XXXX in XXXX, which I've never been to. I live in California. 

I called American Express and was told that they could not open a case because the card is old, they can only open a case on new cards. The card was purchased sometime at the end of XXXX, and it has an expiration date of XX/XX/XXXX, furthermore, according to their terms and conditions, the funds never expire. I also, asked how these transactions were allowed without them having a physical card given their overly restrictive purchase allowance. He just restated that a case could not be opened. I asked the customer service person if I could speak to a supervisor. I was put on hold for a very long time, he then comes back and stated that the {$230.00} would be reinstated to my card and that I would be receiving an email form American Express stating this. I have not received anything from American Express. I was given a claim number. But, at this point, I am doubtful I will hear from them. 

If American Express had allowed me to use my card on the cruise and/or at any of the other establishments I tried, the balance would have been used up by me, the rightful owner of the funds on the card, before the XX/XX/XXXX theft.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

under the government code 15 U.S 1601 all charge off accounts MUST be removed. I want ALL charged off accounts to be removed from my credit report.

Under 15 U.S Code 1601 all Repossesions MUST be removed. I want all repossessions removed from my credit report.

Under 15 U.S Code 1602p all Hard inquiries MUST be removed.

If these are not removed I am entitled to {$1000.00} per violation
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I was contacted by this company claiming I owe a debt from XXXX, something that is not on my credit and hasnt been since at least XXXX which was as far back as my records went. I told them they needed to send me proof or some sort of verification of this debt to my via the mail and not to contact me again by phone. They have continued to use spoof calling to me and my family members leaving messages with no information, calling me a person of interest whatever that means, and every time I block one number they spoof a new one. They will call back to back to back when I decline the call. All the fake numbers they use lead back to portfolio recovery
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (RI)

XXXX car dealership- I went in to trade a car and carmax seem to add a few payment history that I did not consent to be used for reporting purpose, that also repo my car while I was at work. Which I advised them prior, that I'm going through hardship with being hospitalized a month before. I had to borrow money for other folk to get the car out of repo in order to continue work.
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I am a victim of identity theft. An identity thief used my personal information without permission to open two accounts and make purchases with the company ( s ) of which I am unaware. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. I would have contacted these companies regarding the matter, and it has been a bittersweet experience for me. I have sent letters to these companies ' fraud departments, I have called over the phone, and I have sent numerous emails to solve the matter, and I have yet to come to any solution. I request a proper investigation and immediate deletion of these accounts, for the negative accounts, have been hurting my credit for a long time. Following the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. Also, please notify XXXX account number XXXX and XXXX XXXX XXXX  account number XXXXand tell them the debt results from identity theft. I have enclosed a copy of the Consumer Financial Protection Bureaus Notice explaining your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including Account applications made on paper, online, or by telephone ; Account statements or invoices ; Records of payment or charge slips ; Delivery addresses associated with the account ; Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

I was working at XXXX XXXX  but when I tried to deposit my money to my bank account it said my account was froze I did everything to resolve the issue but the permanently closed my account and said I had to wait 180 days but wouldnt tell me why it just says that the agreement wasnt meet by I was only doing legit business
Consumer complaint received 2023-03-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

I still have issue with Wells Fargo auto loans. I received a letter on XX/XX/XXXX. Case number : XXXX. They said that they completed their research and during our conversation on XX/XX/XXXX I stated that I attempted to make three payments a couple days prior. At the time I would have attempted the three payment the loan would have been due for XX/XX/XXXX, XXXX, XXXX, XXXX ( this is the month the charge off occurred ) XX/XX/XXXX. Once the loan is charged off, they would need the full past due amount. They have enclosed copies of the transaction and sales contract. 
Therefore, I made a payment for {$5000.00} last week and today I called XXXX XXXX the executive Office case specialist and the person who answer me told me XXXX is not more my case specialist because the case was close. And I told the lady why XXXX is not my case specialist if he send me a letter to explain the resolution and I have a question and need to talk to him. So I open a new case.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I opened an account with Citibank, using a check I got from a job settlement from my lawyer. Two days later my account was closed for fraud and suspicion. The company explained that the check I have is invalid. My lawyer is telling me it works fine.
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NV)

When scheduling my first payment after the federal pause, I tried to cancel the scheduled standard payment and make a custom payment that went entirely toward my highest interest loan which according to info on their website is within my legal right and wouldnt cause me to show as past due as long as the total payment matched the monthly amount due. Their website crashed several times while adjusting my payment and I was forced to log back in a minimum of five times. The website ended up withdrawing two payments from my bank account, one standard toward all loans and one adjusted to go toward only my highest interest loan. I emailed them to refund one of the payments as my budget does not accommodate double payments and they never responded. I made my second payment on my monthly due date of XX/XX/XXXX, the payment was processed successfully, but they now show my account past due which is incorrect, it should be one month ahead until they refund me. They do not respond to emails and their website is so glitchy and crashes so often requiring you to login multiple times to accomplish any action that I have no faith in their ability to execute even the bare minimum of their responsibilities in servicing my federal student loans.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I was scammed by a caller XXXX XXXX to send money as a scam and the person had my account details from my citi bank account... they have my address my social security and all my information .... I ask the bank to reverse the transaction I'm waiting for a response from citi bank. As I spoke to XXXX customer service and they told me that citi bank has the power to dispute and reverse the charges... please print and publish my story..
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

This is for CITI Bank email address : XXXX This bank has a lot of problem that I shouldve checked first before opening an account with them. They blocked my account not even a day of having it activated. I have both checking and savings account with them. When I went to try to log in to my account it was saying Blocked and I need to call the number that was provided. I caller that number right away. And the first person had asked me for my number to verify if its me by sending a txt msg code to tell them what it is. I provided the code and she was asking me if the transaction that was denied was made by me. And I said yes which is attempting to add my card on XXXX XXXX. Which they denied at first then I tried adding it again to my XXXX XXXX and it worked the 2nd time. Then she said theres other transactions that needed to be checked and shes going to transfer me to that department. And the call was transferred the 2nd lady did the same thing asked for my number to get a code from me to mak sure theyre speaking to me the owner of that account. And I did provided her the code. Then she went XXXX and telling me that there will be a 48hrs hold to check my account. But thats all she said. Here I was thinking she was just going to ask me if the transactions that was blocking my account is made by me. But no all she said was there will be a 48hs hold!!!!!! I need my XXXX money in there I have an appy with a high risk XXXX XXXX my XXXX to pay my copay and they XXXX holding my money!!!! I only had the account activated for not even a day and XXXX XXXXXXXX  already blocked my card/account. I cant even use it. There was no XXXX explanation on their ends!!!!!
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S DEPARTMENT OF EDUCATION : # XXXX, has 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 2024-06-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (TX)

Subject : Complaint Against Zwicker & Associates, P.C. for FDCPA Violations Dear Consumer Financial Protection Bureau, The Fair Debt Collection Practices Act ( FDCPA ), ( 15 USC 1692 et seq. ), which became effective XX/XX/year>, was designed to eliminate abusive, deceptive, and unfair debt collection practices. The FDCPA also protects reputable debt collectors from unfair competition and encourages state action to protect consumers from abuses in debt collection. 

I am writing to file a formal complaint against Zwicker & Associates, P.C. for violations of the FDCPA. I believe that this agency has engaged in abusive, deceptive, and unfair debt collection practices in my case. 

Specifically, the following violations have occurred : Harassment and Abuse : Zwicker & Associates, P.C. has harassed and abused me in the process of attempting to collect a debt. This is a clear violation of the FDCPA, which is designed to eliminate such practices. 

Failure to Send Initial Communication : Zwicker & Associates, P.C. failed to send me an initial communication before initiating a lawsuit against me in state court. This denied me the opportunity to validate the debt, which is a direct violation of 15 USC 1692g. According to the FDCPA : " 1692g ( d ) Legal pleadings : A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication. '' Lack of Signed Contract or Agreement : I do not have any signed contract or agreement with Zwicker & Associates, P.C. There is no documented proof that I owe any debt to this company.

Failure to Provide Master Account Sales Agreement : Zwicker & Associates, P.C. has not provided any master account sales agreement between themselves and the original creditor, further casting doubt on the legitimacy of their claim. 


The actions of Zwicker & Associates, P.C. are not only in violation of the FDCPA but also cause undue stress and financial hardship. I am seeking your assistance in investigating this matter and taking appropriate action against the agency to prevent further abuse and to protect other consumers from similar experiences.

Please find enclosed copies of any relevant documents that may assist in your investigation. I appreciate your prompt attention to this serious matter and look forward to your response.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (TX)

I have been reaching out for almost a month to settle with the company and to get the proper information to the insurance company that is responsible for paying the debt. Wakefield refuses to give information that is asked of them so that the insurance company could attempt to pay the medical bill but they are refusing to release the information and they are saying that I am responsible for it and have to pay it. 
They never even sent the bill to the insurance company and every other hospital bill made it to them. They are refusing to respond to complaints and refusing to hand over needed information that could settle the debt. They are also refusing to release information to dispute the medical bill. They have been very unprofessional throughout this whole process.
Consumer complaint received 2024-06-20
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: CITIBANK, N.A. (OR)

I initially applied for my Citi credit card back in XXXX of XXXX  and I called several times because I never received my credit card. After 4 calls, I finally received my credit card, not until XXXX. I only applied for this credit card because of the promotion for 0 % interest on balance transfered for the first 3 months. Since I never received my card in time, due to no fault of my own, I asked for my promotion to start because they didn't allow me to transfer unless I received the credit card. I never heard back from them and it's been 4 months now. I also applied for a 2nd card for the balance transfer promotion as well, and it's been the same thing. I've called 3 times now in the course of 3 months because I have yet to receive my credit card from Citi as well. The representative told me I can not talk to the marketing team and told me he had to close my account to try sending the card again. This is fraud as they are not sending my cards to me until the very end, or after the promotion period. They did not honor what they promised and advertised, yet I am stuck with 2 credit dings now with no promotion.
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (VA)

Despite our previous attempts, I regret to inform you that this issue still persists. As we enter the multiple attempt to address this matter, I want to emphasize the urgency and importance of rectifying this discrepancy promptly. The presence of a late open accounts affects my credit score and raises concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying this discrepancy is crucial to ensuring the accuracy and integrity of my credit information. With this, I am asking for your assistance to correct othe accounts : XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$6100.00}.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

During the Covid pandemic, I had BECU. I'd signed up on XXXX, and had them take out expenses. I did not have the money in my account, and did not realize. They began charging me late fees for the transactions trying to be taken out, sometimes up to XXXX times. It was bizarre because I had money in my other account, and it was not moved over as they typically do. 

Overall, they took almost {$600.00} in late fees. A year later, they sent an email which said I was unable to sue them. At this time, it was illegal to take late fees due to the pandemic, and BECU said they would suspend and return late fees, but they did not for my account. This was XXXX and XXXX of 2020.
Consumer complaint received 2024-05-31
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)

Please see the attached XXXX  response and remove the account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX from my credit report. The original creditor has failed to validate this account after multiple attempts from the XXXX. The collection agency that purchased the alleged debt failed to furnish something with my signature as required to prove ownership and agreement to credit or services. This document does not exist, and you need to stop reporting this account. XXXX has already deleted this account. Furthermore, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law this account must be deleted immediately, or I will seek monetary damages in small claims court in my city and state.