davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

I have been a customer of XXXX for a long time and always availed and enjoyed the rewards and perks they offer through their store credit card. So I know they are good with those offers and also know how to use them. But with last two purchases, I was supposed to get extra {$10.00} and {$25.00} extra scratch off offers but they never materialized. They usually send these after 3-4 weeks so there is a significant lag before I can call and ask them. When I finally chatted with the agent, she agreed I should get them and gave me a phone number to call, I called that number XXXX ( XXXX ) XXXX ) but the agents there told me those are promotional offers and no longer active so they can't do anything about them. They are going by a script but I should have some recourse where if I did not get what was promised, I should be able to reach someone and able to resolve. But the Agent on the line said there is no supervisor that will take my call. Her number is XXXX. The two purchases I made are : XXXX. XXXX XXXX XXXX XXXX ( purchased on XX/XX/XXXX XXXX  ) for {$260.00} and XXXX. XXXX XXXX XXXX XXXX ( purchased on ( XX/XX/ ) for {$130.00}.
Consumer complaint received 2023-12-16
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. (CA)

XXXX XXXX is in violation of multiple laws set forth by Congress in regard to two ( 2 ) following account # 1575. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( XXXX ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or XXXX XXXX is Income. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX XXXX for the cancelled debt of { { {$23000.00} } } in order to file as ordinary income. Where is my XXXX XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with nonaffiliates. XXXX, Equifax, and XXXX not an affiliate of XXXX XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-12-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (IN)

They called multiple times and would hang up when I answered. I would call the number back and they would claim I owe them a debt for some hospital bill from 2022 and I was never in the hospital in XXXX. I do not recognise this debt and have no intention of paying it.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (MN)

I started a subscription with merchant XXXX  XXXX. After the first charge of XXXX, XX/XX/23, I rotated the credit card number. I thought that XXXX  XXXX would not know my new number with the Apple credit card. 

I was charged again XX/XX/23 for XXXX. I reached out to Apple support that was managed by Goldman XX/XX/. 

There is a current dispute on the charge. 

I put a request to Goldman/Apple to fix this issue for their promised feature on the card but they say it automatically lets some merchants still charge the card and that I would need to contact XXXX at XXXX to turn this off. They call this automatic billing updater. 

The way this works is when your card number is updated, XXXX then sends certain merchants the updated number. We do not have any way to tell which merchants get updated automatically. 

I asked them to reach out to turn this off. They said they couldnt. I believe they are responsible to resolve to turn this feature off, since thats it should if change your credit card number through the Apple XXXX XXXX.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have Bank of America XXXX XXXX XXXX  - ending in XXXX. Today I wanted to close the account. Chat option is not working. Tried calling XXXX - all the bot which even hearing my breathe is thinking that i am making an option. Long wait to talk to a real human being.

Secured message center, one way communication. Only Bank of America can send the messages not me.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

My account was closed XX/XX/2020 Ive been given the runaround for years on getting my money back. Ive sent info to verify and my account was never reopened nor did I receive funds that were in the account when it was closed.
Consumer complaint received 2020-07-31
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. (GA)

There is a debt reporting from XXXX XXXX XXXX and XXXX on my credit report. I have complained to the reporting bureaus and they keep stating the debt was verified but I have yet to receive correspondence validating this debt is mine. I called XXXX XXXX today and the automated system could not locate the account using my social security number. Once I spoke to a live representative, I asked them to verify where they have been sending correspondence and they stated they last mailed in XX/XX/XXXX to XXXX XXXX XXXX XXXX in XXXX Ga. I told them I do not live in XXXX. Rather than investigate the origin of the account, the representative attempted to get me to provide my correct address for an update-I did not do so. I have not lived in XXXX since XXXXthe address they listed is a public college dormitory that belonged to Georgia XXXX XXXX and was sold to Georgia XXXX XXXX at the end of the XXXX school year ( a year after I last lived there ). The credit report states that the account was originally opened in XXXXhow can an account attached to an address I have not lived at since XXXX have been opened credibly in XXXX? This debt does not belong to me and is fraudulent. My tax returns, wage statements and other documentation will prove I have not resided in XXXX when this account was opened. The bureaus keep updating this information when I dispute it as accurate, but have yet to provide me with proof of how they verified the debt. The disputes have finished in less than a week with a verified status.
Consumer complaint received 2017-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX, MD XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with 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. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains 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 : date account open all sign original contract 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 : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FAIR COLLECTIONS & O acc # XXXX or any company associate with this account 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certegy Holdings, LLC (CA)

I received a letter on XX/XX/2022 from XXXX XXXX XXXX in New York referencing a debt owed to Certegy Payment Solutions LLC, Reference number XXXX, Certegy XXXX XXXX XXXX. The letter references a payment made by me to XXXX XXXX on XX/XX/2022 with a check for {$7.00}. I know this check cleared from the statement I have from my bank. My bank has also provided me with a letter confirming the check and amount cleared. When I explained this to XXXX they referred me to Certegy. When I spoke with the representative at Certegy I was told I had to give them my driver 's license or some other form of government ID. This is personal and private information and I have no way of knowing this company is not perpetrating a fraud. On XX/XX/2022, I sent a certified letter to XXXX letting them know that my bank shows the check had been cashed. Additionally I contacted the XXXX company telephone number on my statement and they confirmed that the check had cleared. It appears to me from the response XXXX gave to the CFPB that they are no longer servicing this account and I should contact Certegy for further information. I contacted Certegy at the number provided by XXXX XXXX and asked them for an address where I could forward all the relevant paperwork including the letter from my bank stating the check they claim is outstanding has actually been paid. Certegy insisted they need my driver 's license but they are not willing to provide a physical address where I can mail all the information I have which clearly shows there is no payment outstanding to XXXX XXXX. Kindly have them provide a legitimate mailing address so I can forward the letter from the bank showing this payment was withdrawn and no debt collection is required by them. There are retail companies that rely on Certegy for clearance when a consumer makes a check payment. Since I write checks for my personal expenses, it affects my ability to shop at certain stores!
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

On XX/XX/XXXX I received two emails from TDBank.com " welcoming '' me as to the opening of : 1. a TD Beyond Checking account ( XXXX ) and a TD Growth Money Market account ( XXXX ) and 2. a TD Convenience Checking account ( XXXX ). I called them immediately and was told by their agent ( XXXX ) that they would be reported and " flagged ''. Then on the next day ( XX/XX/XXXX ) I received another email from them reporting the two Debit Cards ( presumably one attached to each checking account ). I immediately called TD Bank and spoke with other agents ( 6 over 3 days ) -- each time I tried to get through to the Fraud Department I was required to give my SSAN to the agent ( s ) in order to progress to a solution. I called on XX/XX/XXXX at XXXX and finally got through to the Fraud Department . She ( XXXX XXXX said that the accounts were " flagged '' and I could not get anything in writing ( either USPS or email ) confirming that I had reported this problem to TD Bank or that they were actually closing any of these accounts. I asked to speak to a supervisor and finally got through to XXXX who would not give me any kind of trackable number or name that I had actually tried to close any accounts. She told me that I would have to get a police report and subpoena TD Bank in order to effect a resolution. Over the 3-day period, I was on hold or working with multiple TD Bank agents for over 5 hrs. I am sure that the person who went on-line and opened these accounts spent less time than I did in trying to get my name off of these accounts. I wrote a " snail mail '' letter to the CEO of TD Bank but I am sure that I will receive NO response.
Consumer complaint received 2023-06-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SW Linear Investment Group, LLC (MD)

XX/XX/XXXX, I received from XXXX XXXX XXXX Notice of Intent to Foreclose for a lender and amount ( XXXX ) I was unaware of. When disputed, they informed me of the original debt was with XXXX XXXX. While, I was familiar with XXXX, the debt was charged off in XXXX. For seven years, there was no communication from XXXX or Linear Mortgage , LLC, indicating it had been turned over to a new servicer. 
Throughout the dispute, Linear Mortgage , LLC back dated interest, and late fees from XXXX until the XXXX to support their Intent to Foreclose notice. All of which was discovered during the process of negotiation with me hiring an attorney. Linear Mortgage , LLC agreed to forgo additional fees and only to pay $ XXXX However, they submitted updated Notice of Intent to Foreclose for $ XXXXnaming themselves as 1st Position. The information regarding Loss/Mediation wasn't forwarded to me until XXXX of XXXX It was later discovered that Linear Mortgage , LLC was not licensed to act as a debt collector in XXXX XXXX or anywhere on the consumer licensing information site. Since they are unlicensed and my former attorney informed them they were to cease with collecting, that have now signed my Deed of Trust over to XXXX XXXX XXXX. Unfortunately, my attorney has withdrawn from the case and I am left without any resolve.
Consumer complaint received 2023-12-16
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (AZ)

This is a XXXX XXXX XXXX XXXX, and was registered on giftcardmall.com as is instructed to do so on the card itself. I also checked a couple of times and confirmed the amount, which is {$50.00}. I called XXXX and it was confirmed that the card was registered correctly. Here why I think this company is a BIG SCAM! They won't allow you to register until you agree that they can use your personal information. The rep. told me the only way to by-pass that is to talk to a rep, which I did, and she told me that they will not use my personal information. I have tried to use the card online ( which the card itself says you can use it in store or online, and both times it has indicated that the transaction did not go through because the card is not good. The card also says on the back " Distributed and serviced by XXXX XXXXXXXX XXXX XXXXXXXX '' I contacted them and got nowhere.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

I am writing to formally register a complaint for violations against the provisions of 20 U.S. Code 1232g - Family Educational and Privacy Rights. Without my written consent, I recently discovered that my student loan information has been reported to credit reporting agencies, XXXX, XXXX, and XXXX. This action directly violates the aforementioned statute, which clearly outlines the conditions under which educational records can be disclosed. According to 20 U.S. Code 1232g ( b ) ( 1 ), educational agencies or institutions are prohibited from releasing education records without the written consent of the student 's parents. My student loan information was reported to credit reporting agencies without obtaining written consent. The statute clearly outlines exceptions for disclosing education records without written consent. In my case, none of these exceptions were applicable. The release of my student loan information was not in compliance with any of the statutory provisions; according to 20 U.S. Code 1232g ( b ) ( 4 ), educational agencies or institutions must maintain a record indicating all individuals, agencies, or organizations requesting or obtaining access to a student 's education records. I request transparency in this matter and would like to be provided with information regarding who accessed my student loan information and the legitimate interest each entity had in obtaining this information.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CA)

This is regarding the credit card with Amex -- I have been over with them for over 20+ year. Never have even 30+day late pay -- This is regarding the XXXX bill due on XX/XX/XXXX  of amount of {$150.00} -- I made payment on XX/XX/XXXX and posted on XX/XX/XXXX ( one day late ) -- Called Amex on XX/XX/XXXX asking them if they can remove the late charge of {$40.00} which posted on XX/XX/XXXX, Declined -- On XXXX XXXX i saw there is new charge posted on my account as " Interest Charge '' of {$170.00} Called the CS right away and asked them the reason. Declined the charges This is robbery the consumer for one day late payment of {$150.00}, charge me {$40.00} late fee and {$170.00} interest charge of total : {$210.00} This is Robbery??
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

I sent this company a letter on XX/XX/2021 opted out of sharing any negative reporting on my account I XXXX XXXX XXXX XXXX per FCRA as a federal protected Consumer social security number ending in XXXX out of any and all authorization I have given you sharing any negative personal consumer informationgiven in any previous agreements written, verbally or otherwise : for perpetuity it is illegal to report transaction history 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.
Consumer complaint received 2024-01-04
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)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2023-12-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC (FL)

Bought a XXXX XXXX from XXXX XXXX. I a loan from XXXX. The system is not performing to what XXXX XXXX said it would. The sell pitch was that the system would be designed so that I would not have to pay XXXX for power and maybe get a refund for power that I created. Now the company has closed their doors and I will have no way of getting my system fixed. I am also now paying on the loan for the system and XXXX for a system that is not working right.
Consumer complaint received 2023-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was the victim of a phishng expedition on XX/XX/XXXX by someone claiming to be XXXX security. They scammed my bank account after asking for a screen share. I lost over {$12000.00}, I went immediately to my bank branch and my personal banker filed all the necessary claim requests and changed my bank and credit card numbers instantly. The bank investigated and said the transfers went to accounts at XXXX XXXX BUT alas said they could not refund as the scammers made it appear I authorized the transfers... .which I did not. They informed me of the bank policy on XX/XX/XXXX.