davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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 (NY)

I purchased a {$100.00} American Express eGift Card on XX/XX/XXXX via the amexgiftcard.com webite. After recieving the eGift Card, I read the American Express eGIFT Card Cardholder Agreement, activated the card, and printed it out. I have attempted to use this eGift Card numerous times online and in-store without success.I have attempted to use it at establishments such as XXXX, XXXX XXXX, XXXX, XXXX, and TXXXX XXXX XXXXXXXX to name a few. Every single transaction has been declined.I have contacted American Express Customer Care numerous times with no resolution to this issue : XXXX called the AMEX Customer Care # for Gift Cards which only gives a recorded message and no option to connect with a live agent. I continued to try to use the eGift Card at various establishments without success. 
XXXX I called other AMEX Customer Care contact numbers I found online , I was connected to a live agent who advised me to send a screen shot of my eGift Card, a copy of my purchase receipt, along with a signed letter requesting a full refund to XXXX ( along with a reference # for the case ). I did this on XX/XX/XXXX and received an email confirmation that my documents were received. 
XXXX received an email from XXXX advising me to " call customer service for an update on my eGift Card ''. I called the representative at the number listed and was told that the AMEX eGift Card refund had been rejected. When I asked why, the representative could not give me a reason. I requested to speak to a Supervisor for an explanaton. The Supervisor advised me that I am ineligible for a refund " because I bought the eGift Card online ''.

I pointed out to him that the AMEX eGIFT CARD CARDHOLDER AGREEMENT states ( in the last paragraph of the document ) that " ..prior to using the eGift Card, you may request and obtain a refund of the value of the eGift Card.. '' ... ..At this point the Supervisor said he would " escalate my call '' and I was placed on " hold '' for well over 30 minutes-there was complete silence on the other end of the line-no one ever came back on to speak to me, so I hung up. I called another Customer Care AMEX number I found on the XXXX website and s/w another agent who looked up my account and said " you are not eligible for a refund ''. When I asked for further clarification, she was unable to provide any further information. Again, I requested that my call be escalated to a Supervisor and was placed on hold for 40+ minutes. No ever came back on the line to speak with me, so at this point I hung up. 

I am requesting that American Express refund me in the amount of {$100.00} ( eGIFT Card value + the processing fee I was charged at the time of purchase ).
Consumer complaint received 2024-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Onity Group Inc. (GA)

We have been trying to get accurate information regarding this mortgage account for payoff. They have not been upfront with us and have made our life a living XXXX. The balance due on the principle of the home was {$6.00}. By the time the mortgage company finished with the balance it was calculated without an appraisal done by me in an amount that was mind boggling. It was posted at over {$53000.00}. 
We were asked to get an certified appraisal to appraise the home and we did XX/XX/year>. We sent all requested information as asked for by the mortgage company. The certified appraisal company forward a copy to the mortgage company as requested. They asked that we send proof of home improvements and we did. We've gotten the run around. We called several times and the phone has been re-routed many times. They say they have reached out to us and the phone calls never gets through. We were able to communicate once and the conversation was recorded. The things that the representative asked for in the recording was received, but not honored. We feel because we are senior citizens over XXXX of age that we are are being taking advantage of and our cry has fallen on deaf ears. We are at our wits end with this mortgage company and it appears these fake charges makes us looks like we are not concern about our home and that is not the issue. We have live in our home for many years and now that we have aged I/ we find it extremely disheartening.
Consumer complaint received 2023-10-02
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and an update because they were reported incorrectly in my file. Please fix these, ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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. (OH)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on credit account under an open end consumer credit plan as late for any purpose Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Someone attempted to open a Capitol One credit card in my name this week. I am not sure how they got access to my personal information to do this. I contacted Capitol One on XX/XX/2024 to have the card frozen pending an investigation. They instructed me to file a report here as well. 

On XX/XX/2024, I received an alert from XXXX that they blocked an attempt to access my credit information from Capitol One because I have my file locked as I am not looking to apply for any credit. I then received an email from Capitol One to my XXXX ( previous school email address ) that my credit application had been approved for {$10000.00} for a " Savor One Rewards Card ''. I then get a second email from Capitol One saying that my phone number has been changed. 
On XX/XX/2024, I received an alter from XXXX that there were changes to my XXXX and XXXX credit files. When I called Capitol One there was an account attached to my social security number ( they ask this as a prompt before speaking with someone ) and they confirmed that a card had been opened in my name. They instructed me to file a claim here. 

I want to make clear that I did not attempt to open or apply for any credit cards within the last year. I do not know how this was able to occur with my personal email address or any other personal information.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

Nationstar doubled my payment based upon an error in their escrow analysis. 
XX/XX/2015 they increased my escrows for property taxes to {$330.00} a month. 
My property taxes are only {$730.00} every 6 months. or {$120.00} a month. 
I have tried in vein to get this issue corrected and I have proof that Nationstar was made aware of the issues in written correspondence dated XXXXI have offered to make principal and interst payments but was advised that I need to get escrows corrected first. 
Now i am four months behind. They have no record of my issues and have started a foreclosure action. They also sent in a crew to winterize the property and they did damage.to my property. 
RESPA doesnt allow Nationstar to collect that excessive amount of property taxes. And obviously this type of service abuse shows that predatory lending still exists
Consumer complaint received 2024-02-19
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: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (LA)

Hello I'm XXXX XXXX and I own XXXX on a XXXX XXXX  service in XXXX XXXX  I opened up a venmo account so customers can pay me I started trading cryptocurrency on venmo venmo has suspended my account because they need my proof of identification. I had put money in cryptocurrency because it was going up but now it is declining and I can not withdraw any money because my account is suspended. They're telling me I have to wait 7 to 10 days Will in 7 to 10 days I might not have any money left so I was wondering if this was illegal how can you allow someone to trade on your platform but then you block them to where they can't get the money out and they lose their money. Do Not Trust Venmo
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CT)

I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

Several weeks ago my card was compromised and I was alerted by 5/3 bank that there suspicious activity. I saw several unrecognized charges from " XXXX '' on my account. I haven't had hulu for years and the last time I had a subscription through them was tied to an entirely different bank. Additionally, the consecutive charges from XXXX were suspicious. I called 5/3 and they froze my card at my request, but didn't remove the charges. Apparently, that's a different phone number that I would have to call at my convenience to have those charges removed... I called the other number and contested those charges... which then took forever to get a " provisional credit '' for. I received a new debit card and today .... once again, a charge from XXXX pops up on my account. I would call 5/3 directly, but they're obviously quite inept at handling fraud and push all the work on to the customer. They'd probably just want to issue me another card and it would happen all over again...
Consumer complaint received 2024-02-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Apelles, LLC (MS)

The Company name is Apelles llc a collection company they calls me everyday about a bill with regions bank which i know about and i told them i was on a fixed income and it also contain overdraft fees which was of supposed to have been taken care of from regions bank i think i owe about XXXX dollars i have made a payment on the account and they calls me everyday at XXXX waking me up they even called today, i want them to stop worrying me everyday i was under the impression that a person is only supposed to be contacted once a month the number they calls me from is XXXX they have called 4 times this week please help mw with this issue the cost of living here in Mississippi is awful and we do not get any help on food i am disable and get a check once a month it is hard to choose between medicine and food and bills i had to stop taking some of my medicine because i could not afford it. 

Thank you XXXX XXXX
Consumer complaint received 2024-04-11
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. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX, XXXX EMPLOYER - XXXX XXXX
Consumer complaint received 2024-07-07
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: Maximus Federal Services, Inc. (NV)

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 
SEC v. XXXX, XXXX XXXX ___ ( 2024 )
Consumer complaint received 2024-02-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In XXXX  the bank closed my bank account and held an amount of {$21000.00} that the bank supposedly returned to the SBA/Department of Treasury for a distributed SBA loan XXXX XXXX. To date, the SBA has been looking for this money to be paid back by me with interest ; SBA claims that the money was never returned to them and that Capital One took the money, and no one knows what the bank did with this money ; it is obviously a fraud if the bank still has the money when they claimed they returned it to the SBA. In my eyes, someone at Capital one took my money and claimed that they paid it back to SBA. This a theft and the money should be returned to me or SBA with accrued interest. I had contacted the SBA to get a clarification of why they are asking for the money to be paid back when Capital One supposedly returned it to them. I was told that the SBA had yet to receive the money. I asked the bank to provide me with a letter clarifying where the money went/was sent to or verifying that it was sent back to the SBA. For your reference, I have attached a screenshot of the SBA loan statement showing the outstanding balance, and the recent letter from Capital One dated XXXX XXXX, XXXX that claimed that Capital One is still in the progress of retuning the mosey to the SBA ; their process has been taking nearly two years without resolution. I appreciate your prompt attention and assistance in this matter. I look forward to hearing from you at your earliest convenience.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I XXXX XXXX XXXX, consumer, am not liable for the alleged debt to XXXX XXXXXXXX XXXX. I do not have a contract with PORTFOLIO RECOVERY. they did not provide me with the original contract as requested nor did they provide me with my rights and how to dispute.
Consumer complaint received 2024-01-05
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-02-03
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are non recognized and nonauthorized hard inquiries on my credit report please have them deleted
Consumer complaint received 2024-01-24
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. (FL)

XXXX XXXX XXXX XXXX XXXX  Account Number XXXX THIS ACCOUNT HAS BEEN CLOSED SINCE 2019, WAS PAID IN FULL AND I ASKED TO CANCEL THE ACCOUNT BEFORE LATE PAYMENTS HAVE WOULD BE PLACED. THIS NOT A CREDIT BASED IT WAS A SAVING CD CREDIT BUILDER ACCOUINT. THEY RECIVED ALL PAYMENTS AND REFUNDED MY TOTAL DEPOSIT. BUT LEFT 3 LATE PAYMENTS. THIS IS A VIOLATIUION OF 15 U.S. Code 1681i I NO LONGER OWN THIS ACCOUNT AND DID MAKE LATE PAYMENTS, PLEASE HAVE THIS ACCOUNT REMOVED AS IT IS HOLDING ME BACK FROM BE ABLE TO GET A AUTO LOAN AND I REALLY NEED MY CREDIT AT THE MOMENT. 

THE ACCOUNTS REPORTS XXXX DIFFRENT LAST USED DATE WHICH ARE ALL FALSE AND VIOLATION OF 15 U.S. Code 1681i PLEASE REVIEW THE DETAILS ON THE CREDIT REPORT ATTACHED AND OTHER DOCUMENTS TO SUPPORT PROOF OF THIS THEY CONTINUE TO UPDATE THE DETAILS INCORRECT ALSO WITH WRONG STATUS AND DATES DIFFRENT ACROSS ALL 3 COMPANIES ANOTHER VIOLATION OF MY RIGHTS
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Investigation of Inaccurate Credit Reporting Dear CFPB Representative, I am writing to formally request your assistance regarding an issue I have encountered with my credit report, specifically concerning inaccurate information reported by XXXX and TransUnion. 

I have recently reviewed my credit reports from both agencies and found that they are reporting a negative account which a XXXX XXXXXXXX account. XXXX that is not only incorrect but also misleading. The account in question is, XXXX which has been marked as negative despite being closed and having always been in good standing. 

This erroneous reporting has negatively impacted my credit score and my ability to secure credit. I have taken steps to resolve this matter directly with XXXX and TransUnion ; however, my requests for corrections have not been addressed satisfactorily. 

I kindly request that the CFPB investigate this matter and compel both XXXX and TransUnion to remove this inaccurate account from my credit report. I believe this will not only rectify my credit history but also uphold the standards of fair credit reporting. 

Thank you for your attention to this urgent matter. I appreciate your assistance in ensuring that my credit report accurately reflects my financial history. 

Sincerely, [ XXXX XXXX XXXX