davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

Subject : XXXX XXXX American Express XXXX Credit Card Rewards Activity Dear XXXX I am writing to formally lodge a complaint against American Express regarding a rewards activity associated with my XXXX XXXX XXXXXXXX credit card. I believe that American Express has not honored the terms of their promotional offer and has provided inconsistent and misleading information. 

Here is a detailed timeline of events : XXXX. XX/XX/XXXX : I registered for the rewards activity via the American Express mobile app. 
XXXX. XX/XX/XXXX : I contacted online customer service representative XXXX to confirm my registration for the " XXXX XXXXXXXX XXXX - Earn a Free Night Award of XXXX points after spending {$4000.00} or more '' rewards activity. XXXX confirmed that the activity period was from XX/XX/XXXX, to XX/XX/XXXX ( a XXXX period ). 
XXXX. XX/XX/XXXX : I reconfirmed the spending progress and the activity deadline ( XX/XX/XXXX ) with another online customer service representative, XXXX. 
XXXX. XX/XX/XXXX : I completed the required spending of {$4000.00}. 
XXXX. XX/XX/XXXX and XX/XX/XXXX : I contacted online customer service representatives XXXX and XXXX, respectively, to verify if I met the requirements for the rewards activity. Both representatives indicated that some processing time was needed and could not provide immediate confirmation. 
XXXX. XX/XX/XXXX : Upon contacting multiple customer service representatives, I was informed that the activity had actually ended on XX/XX/XXXX. According to them, I had not met the spending requirement by that date, and therefore, the reward would not be issued. 

I have kept records of all my interactions with American Express representatives and have consistently received conflicting information. Initially, I was assured that the activity period extended until XX/XX/XXXX, and I planned my spending accordingly. However, the recent contradictory information stating that the activity ended on XX/XX/XXXX, has left me without the promised reward despite fulfilling the spending requirement within the initially confirmed timeframe. 

I am seeking your assistance in resolving this matter. I request that American Express honor the terms initially communicated and issue the promised reward. Additionally, I believe this issue highlights a need for greater transparency and consistency in the information provided by American Express to its customers. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX
Consumer complaint received 2024-09-11
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. (FL)

I am writing to formally notify you of violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681n, about the unauthorized use of my consumer report by your organization. I have discovered that my consumer report was accessed and used without my express consent or lawful authorization, in violation of federal law.

Violation of 15 USC 1681n : Civil Liability for Willful Noncompliance Under 15 USC 1681n, any person who willfully fails to comply with the requirements imposed under the FCRA concerning any consumer is liable for damages. The violations by your company in this case include but are not limited to : Unauthorized Access to Consumer Report : My consumer report was accessed without permissible purpose under 15 USC 1681b ( a ), which explicitly lists the conditions under which a consumer report can be legally obtained. No permissible purpose was present in this case.

Failure to Notify of Rights : Under 15 USC 1681g ( c ), you are required to provide a clear and conspicuous summary of consumer rights under the FCRA when my consumer report is used. This right was not honored in this instance.

Failure to Ensure Accuracy : Under 15 USC 1681e ( b ), you have a legal duty to follow reasonable procedures to ensure the accuracy of the information in consumer reports. The information in my report was not accurate, nor was it verified before being used unlawfully.

Negligent Noncompliance ( 15 USC 1681o ) : Should this matter be determined to involve negligence, you are also liable under 15 USC 1681o, which imposes civil liability for damages caused by negligent noncompliance with the FCRA.

Damages As a result of your willful noncompliance, I am entitled to actual damages, punitive damages, and statutory damages of up to {$1000.00} per violation, along with reasonable attorney fees, as outlined in 15 USC 1681n ( a ) ( 1 ) ( A ).

Additionally, I reserve the right to pursue remedies under : 15 USC 1681p : The statute of limitations for any legal actions concerning FCRA violations, which allows for recovery of damages up to two years from the date of discovery of the violation.

15 USC 1681q : This provision imposes penalties for knowingly and willfully obtaining information from a consumer reporting agency under pretenses, which may also apply here.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (MA)

XX/XX/XXXX : Chime e-mails me that there's a new login to my account. I never had a Chime account and this is news to me! 
XX/XX/XXXX : Chime CEO, XXXX, e-mails to congratulate me on my new account. 
XX/XX/XXXX : Chime e-mails me that direct deposit has been set up for my account. 
XX/XX/XXXX : I e-mail Chime to complain that this is identity theft and fraud. I receive automated replies. 
XX/XX/XXXX : Chime e-mails that I'll get a bright green envelope with a new Visa card soon. 
XX/XX/XXXX : I e-mail Chime to complain that this is identity theft and fraud. I receive automated replies. 
Chime e-mails again on XXXX, XXXX, XX/XX/XXXX. 
XX/XX/XXXX : the Chime Visa card arrives XX/XX/XXXX : Chime e-mails me that there's a new login to my account from XXXX, PA, USA, on an " XXXX XXXX. ''
Consumer complaint received 2024-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE (GA)

Original provider XXXX XXXX XXXX. Never sent a bill. Only found out it was there from a collection on credit report. Called insurance and they never submitted a claim. Current debt collection refuses to file on insurance wants full amount before insurance. Original provider says they cant file because they sold the debit. Current collection Avante USA. XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Contents of Complaint : This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX & Equifax XXXX XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. Specifically, the fraudulent account is with XXXX XXXX XXXX Additionally, the report contains unauthorized hard inquiries listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent items have led to inaccurate entries on my consumer XXXX credit report. I do not recognize these fraudulent accounts or inquiries as reported, and they were neither opened nor authorized by me. All of these accounts and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) from the US Federal Trade Commission, which verifies that these items are indeed fraudulent. Please remove these items and cease all related collection activity in accordance with my rights under the FCRA and FDCPA laws.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (FL)

An American Express Customer support representative spoke with me on, I believe, the XXXX about my account. She told me about my account closures and gave me a list of dates. XX/XX/XXXX, account closed, XX/XX/XXXX my address changed because I moved, XX/XX/XXXX check mailed to address on file, XX/XX/XXXX still in transit and should arrive shortly. I just called back today, XX/XX/XXXX, and the phone call went straight to someone. There was no menu to call different departments, etc. It just went straight to some woman answering the phone out of the blue. She then told me I needed to talk to the security team, and the check had not even been sent because I needed to talk to security. How would I even know that? So once I talk to them on XX/XX/XXXX, I want my {$110000.00} ACH transferred, which is part of their deposit agreement. I can choose to have it mailed or sent electronically. Since I am in the middle of a move, I need them to send it electronically. They illegally held XXXX dollars of mine after the account was closed on XX/XX/XXXX. The second account they were supposed to close is still open but restricted. IT was supposed to be closed as well. I moved to XXXX, and all of this happened. I have now lost four apartments and am in the final stages of becoming homeless if they do not legally return my money to me. I have pleaded with them and explained my situation, and nothing is being done. I need help, or I will go to the media, and I will bring severe litigation for all of the lying, cheating, and misleading they have done. I have an incredible amount of evidence that will help me bring them to their knees. This could all be stopped if I returned my funds, all my accounts were closed, and I am done with Amex. They have become the worst bank at customer service I have exoerienced. They have continuously changed my joint owner 's password and have submitted transfers under his name that he did not do, which is hurting his other bank he has been with for 27 years.
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB (NJ)

Ive been using Klarna a few months back and it was working fine I never had an issue with them. But if recently i felt targeted by Klarna. They keep lying to me and saying my identity can not be confirm when I try to use the service. Every time I reach out to their support team they all keep giving me different informations. If they dont want to offer me their service they cant simply say so and not lie to the credit bureau about my identity can not be confirmed. All of my information is 100 % accurate yet Klarna is lying about the information. They support team say they can not see any issue but they are escalating it to their back office which you never receive any response from. Im kindly asking the CFPB to have a review about Klarna and its false information
Consumer complaint received 2024-05-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENTAGON FEDERAL CREDIT UNION (NV)

I'm facing delays and denials in applying for a home equity line of credit from Pentagon Federal Credit Union due to my XXXX income. 

PenFed keeps asking for proof that it will continue for three years despite giving them my policy that shows its to age XXXX ( I'm XXXX years old ), plus XXXX  years of W2 statements, plus tax returns, plus last three monthly bank account statements, plus screenshots of receiving my payment this month. 

There is literally nothing else I can provide for PenFed but they issued a denial notice of incomplete application. 

PenFed made written statements like " The monthly bank statements may work to proof that the income is currently received but will not work to proof that you will continue to receive the income for the next three years. '' I've previously gotten a mortgage and another HELOC  from other lenders on the same XXXX income and same proof without any issues. Ironically, a couple years ago PenFed approved a personal loan for the same XXXX income with the same documentation. 

Its clear to me that PenFed is engaging in a pattern of practice of discriminating against applicants that receive XXXX income.
Consumer complaint received 2024-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (MN)

I looked at my XXXX credit report and noticed a random medical debt from American Accounts Advisors so I called to see if they would verify that I owe this debt. I was told that the name is the same but the birthdate was XX/XX/XXXX. I was born in XX/XX/XXXX. Clearly this is a case of mistaken identity so this need to be removed I tried on XX/XX/XXXX to dispute it directly with XXXX to no avail.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MO)

My XXXX XXXX XXXX was purchased from my husband and myself by XXXX XXXX XXXX in XXXX, Missouri on XX/XX/XXXX with a PERFECT payment history. This morning, XX/XX/XXXX, I woke up to emails notifying me that my credit has been utterly destroyed due to a false delinquency report from Ally Bank. Ally acknowledged by phone during separate calls with my husband and myself that they had record of the sale/purchase on the date of XX/XX/XXXX as well as a payment attempt made by the auto dealership that purchased the vehicle, which they say they rejected due to the dealership failing to complete some vehicle inspection for them, a grounding. This is absolutely NO fault of mine or my husbands and we certainly do NOT hold any financial responsibility for a vehicle we do not own. There was absolutely no legal or practical grounds for Ally destroying my excellent XXXX XXXX of XXXX, bringing it all the way down to XXXX overnight knowing that my husband and I do not own the vehicle, which they already have the money for. My husband was told that they have the money for the vehicle in a holding account of some sort, but have not applied it to the vehicle account due to this inspection or grounding that they are waiting for from the vehicle owner, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. We received absolutely NO communication from Ally regarding any issues with the account because they were aware that we were no longer the vehicle owners, yet they still opted to destroy credit scores that we have been working very hard on for years now. The vehicle in question appears to have already been sold, as the listing on the dealerships website states the vehicle is no longer available for purchase. We need our credit reports and scores restored immediately, and Ally is responsible for making that happen, as they opted to do the wrong thing in this situation.
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (MA)

I was recently scammed during a real estate closing process in which the scammer XXXX the seller agent 's email then provided me with fradulent wire instructions. I sent around {$750000.00} wire in total from my bank accounts ( XXXX, XXXX XXXX, and XXXX XXXX XXXX  ) to a scammer 's account at Truist Bank. FBI has confirmed that the money is gone. However, after calling the Truist Bank 's customer service, I found out that the recipient 's name I had for the wires did not match with the scam account holder 's name at Truist. More specifically, I sent the wires to " XXXX XXXX XXXX, '' but the account holder 's name at Truist is " XXXX XXXX XXXX XXXX XXXX. '' Despite this mismatch, the banks involved still processed the wires due to their negligence. Therefore, I would like to start a claim against the banks involved in the wire transaction. 

Now I have contacted the customer service departments at all of the banks, but they said they were only able to send out a recall request without any promise or timeline. FBI and local police department have also just updated me yesterday and said the money is gone. I would like to resolve this problem before seeking additional legal assistance.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

At the beginning of Third Quarter 2023, I successfully " Discharged '' various Unsecured Credit Card Debt which was drowning my well being for more than several years, while maintaining Every monthly monies due, on time and never below the minimum. 
In lieu of Not desiring to File a Bankruptcy, I eventually found the 501 C.3 known as " XXXX '' of State of Oregon , was accepted as XXXX XXXX XXXX veteran client whose " Federal SSA Payment Solely '' of {$1300.00} Monthly and as Sole Income. 
Of the four credit cards I surrendered to helps is here.org. ALL four companies received formal " Attorney Letters '' long before 2023 ended, specifying what they could do. Of the four, three ignored these legal notifications and continued to carry these debts, with a total below {$8000.00}, as a continuing obligation, when in fact Federal Law was on my side of this equation and in point of fact, there is only a formal line between the mechanism my attorney used, and the calibration of a XXXX  XXXX or XXXX. AS a consequence of these continuing actions, my Credit Scores have fallen an average of XXXX points, when in point of fact " Their '' remedy had already been revealed to them by formal decree. I would request a resetting of my Credit Scores, which as a veteran in Texas, in possession of a VA Loan Voucher, which has been disallowed by these new numbers..
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

Mohela- They lost my information for an employer in the past. Took forever to process my student loan forgiveness. They finally forgive two of the loans but have not refunded the balance yet. I have received the email from Biden my loans were forgiven but they never were. I logged in saw my loan balance was XXXX. I thought my loan was forgiven it was just moved. They told me about the move after the emptied my account. Communication all around has been poor. I got a letter in the mail stating my payment due is XXXX then I log in the payment is XXXX. The due dates keep changing. I feel like I have to log in hourly to make sure they are not making any mistakes. My balance has increased since moved to the new account. I find out the CEO is working with repulicans to block student loan forgiveness.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

i received 4 international wire transfers and Bank of America has charged {$15.00} fee each - I received international wire transfers and they waived their fees. I have been Bank of America customer for 15+ years in a very good standing and I would appreciate if they waive those fees
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLOBAL SOLUTION BIZ LLC. (TX)

Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. 

GLOBAL SOLUTION BIZ LL account number XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NY)

Subject : Request for Validation of Debt - CITIBANKNA XXXX Dear CITIBANK, I am writing in response to an alleged debt associated with CITIBANKNA XXXX. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 
I dispute the validity of this debt and am immediately requesting that you provide the following information : 1. The ORIGINAL CONTRACT with original creditor WITH MY SIGNATURE attached. 
2. The PAYMENT HISTORY with the original creditor. 
3. I am also requesting a copy of a PROOF OF DEBT ASSIGNMENT. 
If you are unable to provide proof of my requests, then the erroneous information MUST be removed within 30 days. Failure to comply could result in willful non-compliance and negligible non-compliance by your company. 
ALSO provide me with the following pertinent information ; 1. Verification of the original creditor and the full amount owed. 
2. Detailed accounting of the debt, including any fees, interest, or charges added. 
3. Proof that you are licensed to collect debts in [ Your State ]. 
4. Documentation proving that the statute of limitations on this debt has not expired. 
5. Any agreements or contracts signed by me obligating me to pay this alleged debt. 
Please note that until the validity of this debt is verified, I demand that you cease all collection activities, INCLUDING REPORTING TO CREDIT BUREAUS. 
Furthermore, I assert my rights under the FDCPA and request that all further communication regarding this matter be conducted in writing only. 
Please respond to this request within 30 days of receiving this letter. Failure to provide validation of the debt will result in legal assumption that this debt is invalid, and all collection activities must cease. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a late payment reported on XXXX : XXXX, XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX. 
XXXX : XXXX, XXXX. 
for my ALLY FINCL - XXXX account. 

I want you to know that I understand my financial obligations, and if it weren't for an oversight, I'd have an excellent repayment record. I made a mistake in falling behind, I am a retired veteran who served the country for 20 years, I have fallen in XXXX and it made me fall back on my payments. but since then, I have diligently paid on my account. Since then, I've had a spotless record of on-time payments. 

I just recently became a father and I found purpose in my life again since after being in the marines for so long, I am in the process of purchasing a home for my family and it's come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments below Please I ask for help. 

Thank you for your consideration, and I hope you'll approve my request. 
XXXX : XXXX, XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX. 
XXXX : XXXX, XXXX. 
for my ALLY FINCL - XXXX account. 

Sincerely, XXXX XXXX