davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc. (TX)

On XX/XX/XXXX I purchased XXXX XXXX XXXX XXXX gift cards for {$50.00} and {$10.00}, respectfully. I was able to redeem them easily. I later tried to use the google play credit and got this error, " Error Your transaction can not be completed. To proceed, please submit the required documents by completing this form. We recommend you to not redeem anymore XXXX Gift Cards on this account until you receive a response from us for your submission ''. 
I submitted the required documents, which was proof of purchase. And they responded with, " Thank you for your patience while we reviewed vour account. We have identified some inconsistencies. your account and the information you provided us. As a result, we are unable to help you redeem these gift cards ''. 
As a result I'm unable to use the XXXX XXXX credit. On XX/XX/XXXX, I bought another gift card for {$87.00}, this time a physical one hoping it would be different and encountered the same error and the same response. On my birthday XX/XX/XXXX, I was gifted a digital google play card for {$10.00} and got the same error. This means I have {$150.00} of XXXX XXXX credit on my account I can not use. I've contacted their customer support the previous XXXX occasions and they told me they would get back to me by email and never did.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

My wife and I have a Citi Bank XXXX XXXX Credit Card. Through our online account, we indicated that she would be travelling from XX/XX/XXXX - XXXX with the intention of using these credit cards as her payment method while on this trip. 

Along with these credit cards, my wife only brought around XXXX dollars USD with her. Upon arriving to XXXX XXXX, she is being prompted to use a PIN to complete any credit card transactions. We were not made aware that a PIN may be required and it was not something we were familiar with. I also did not know what the PIN was, and it wasn't until contacting Citi that I realized how archaic of a process to obtain a new PIN. 

After speaking with several customer representatives at Citi, they refused that I speak with a supervisor to help escalate this issue further. I assumed they might be understanding, or have some means to help with this situation, but other than shrug their shoulders, they were not helpful one bit. 

I wanted to get in touch with a supervisor or a manager, as I had hoped I could get this issue escalated with the intention of having a new PIN overnighted ( at my expense! ), but they refused to let me speak to a higher-up telling me they also could not do anything. 

This is my wife 's first time travelling over seas and Citi never made me or my wife aware that a PIN may be required. Had they made us aware in the first place, prior tot Travelling, this would not be as big of an issue. 

Citi needs to publish this information and make it more clear AND visible so that others do not run into a situation like this. You would think Citi would be understanding and try to help in this situation, but they didn't have a care in the world or try to help at all. Clearly they do not put American Citizens first, especially in this type of situation. 

Now my wife has {$200.00} cash to get her through an entire week. Then what? Citi at no point tried to make this right even when I offered to pay out of pocket to have a PIN overnight mailed to me. 

Again, I can not stress enough, had we known we would need a PIN, we would have been sure to set this up. The PIN requirement was never made apparent at all when we placed the travel dates on our card. It is unacceptable, especially in the digital age of XXXX, to have to send a PIN via snail mail and have no alternative means to recover or reset this PIN.
Consumer complaint received 2024-07-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION (TX)

Multiple occasions throughout the loan, when I have fallen behind, and the company has admittedly violated the Fair Debt Collection Practices Act. The company has called me up to XXXX times an hour, daily. The company has emailed me 3 times a hour daily. The company has disclosed my account status to a reference on my loan. When I called the company to complain, the supervisor listened to the call, agreed it was a violation and gave me a XXXX month extension to smooth things over ( I believe this was XX/XX/2022 ). Per the FDCPA, more than 7 calls a week can be considered intent to annoy or harass.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am disputing XXXX account # XXXX due to the fact that it is being reported inaccurately : as highlighted in the attached, the last OK status is reported as XX/XX/XXXX which doesnt tie into the date closed reported as XX/XX/XXXX. 
Please investigate and delete this inaccurate disputed account
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

A fraudulent check for was written against my account in the amount of {$1900.00} on XX/XX/XXXX via a mobile deposit. on XX/XX/XXXX I called the number required per the online notification. When I did so, I immediately stated that I did not write a check against my account, this is fraudulent and i wanted to file a complaint and a charge dispute, ( check tracer on this check ) I was told that was not an option, they can no longer discuss my account with me. I also told them I would be filing a police report. The representatives in the fraud unit either disconnected the call, did not call me at all. I also contacted the XXXX and XXXX branch and no answer after trying for over 4 hours. I am now looking to get help in filing a complaint towards Wells Fargo in not assisting me with my complaint and refusing to assist me. 
Wells Fargo should respond by locating supporting documentation for questionable transactions. Per current regulations, banks take between 30 and 90 days to evaluate, respond, and resolve problematic transactions. In some instances, law enforcement might be informed depending on the fraud and identity theft level. I wasn't given any option even after calling 8x and stopping in Branch today. XX/XX/XXXX Located in : XXXX XXXX Wells Fargo Address : XXXX XXXX, XXXX, IL XXXX I was informed to go home, i was denied a copy of the check, denied the right to file a transaction fraud dispute and denied a current status of my account. That i have no recourse and that my account would be closed in 9 days on XX/XX/XXXX.
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I first began receiving text messages of a " XXXX XXXX '' in XXXX XXXX  I contacted the Creditor who is supposedly owed the debt on or around XX/XX/2023 regarding the balance ; the agent advised my account is in good standing and I have no outstanding balance. Moreover, to be certain, I encouraged the Agent to validate with her supervisor to confirm, which she did and subsequently advised me to ignore these notices as SPAM. 

I received a written notification from a debt collector in XXXX, which I disputed online and in writing ( on XX/XX/XXXX ), however I've since received a subsequent notice from a debt collector
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ROBINHOOD MARKETS INC. (IL)

To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. 

I am requesting that you provide the documentation and proof of validation for the following account : Account Name : XXXX Credit Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. 

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc. (GA)

My information was comprised during a data breach and a debt collector by the name of Rozlin financial group started contacting me about a collection i totally unaware of i contacted the XXXX credit Bureau asking the to remove the collection or send me a Wet copy of the document with my signature showing that i agreed to the debt, it been more then XXXX  days and they have not provided any information, XXXX removed the collect but XXXX and XXXX are still reporting the collection.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

I went to Chase Bank on XXXX, CA XXXX on XX/XX/2017 to apply for a chase sapphire reserve credit card. I was approved and received the card about a week later. I had been using it regularly and when I tried to use the credit card again yesterday it was declined. I thought this was just a random one off issue and tried using it again the next day and got declined again. I called into customer service and was told that my account was closed, I went through fraud verification who told me they could n't tell me the reason and transferred me back to customer service who told me again I could n't be told anything and would have to wait to get something in the mail. Finally after speaking with a supervisor they advised that my credit card had been closed because they were unable to verify the fraud alert on the file. When I applied in person I gave all of my information and the underwriter on the phone asked the personal banker to speak with me and asked me questions to clear my fraud alert including my name, address, social, trade lines, date of birth, and other information. I had 1 missed call from Chase on Monday at XXXX my time and was at work and could n't answer, this apparently was them trying to clear the alert again. Now I am being told that my account can not be reopened at all because of this fraud alert. I put this on my credit to protect against identity theft. Nobody that I speak with is willing to help me and I was told that talking on the phone is not going to accomplish anything and there is nothing anybody can do. What kind of customer service is this on an issue that Chase messed up on? I already verified my information and even went IN PERSON to ensure I could provide all the necessary information.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain 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
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to dispute the inaccurate payment history and payment status reported on my account. According to my records, I have consistently made payments as agreed, yet my credit report reflects a history of missed or late payments and an inaccurate status indicating delinquency. This information is incorrect and does not accurately reflect my account history, which is fully compliant with payment terms. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are required to ensure maximum accuracy in reporting. I am requesting an immediate investigation and correction of my payment history and payment status to accurately reflect my timely payments.
Consumer complaint received 2024-01-30
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: SLM CORPORATION (LA)

Upon checking my XXXX credit report, I noticed a hard inquiry from Sallie Mae Bank on XX/XX/23 that I did not initiate or authorize. Please remove the following inquiry from my credit report immediately as this is fraudulent activity. Thank you in advance.
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00}
Consumer complaint received 2024-05-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: InDebted Corporation (TX)

Had a balance with XXXXXXXX XXXX so XXXX became the collections and stated I had an outstanding balance of {$400.00} on XX/XX/XXXX. In the middle of making monthly payment XXXX sold the account to XXXX XXXX and then stated the balance is {$970.00}, the monies i already paid can not be accounted for. On XX/XX/XXXX i paid {$50.00}, and on XX/XX/XXXX paid {$52.00}, now XXXX has the account and says i owe the {$970.00}
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IL)

I opened and financed a major transaction with Lowes via Synchrony bank. 
The terms and conditions initially called for 18 months of no interest. 
The bank changed the terms and instead assessed compounded interest charge of over {$500.00} to the account on the XX/XX/2024 statement. 
I am requesting that the company, in good faith, reverse the compounded interest fee. I will in turn then pay off the rest of my balance and proceed to terminate my relatioship with this institution.
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (IL)

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 Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Owner : XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Village Capital & Investment ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although Village Capital & Investment is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/XXXX  packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

Since I opened XXXX account XXXX, I have transferred over {$500000.00} into it from my XXXX account. On XX/XX/XXXX I tried to transfer {$200000.00} out from my XXXX account to a new bank account and XXXX rejected my transaction. 
I called XXXX on XX/XX/XXXX to ask the reason. In the phone, their agent first verified my identify by checking my full name, XXXX, XXXX last XXXX and secret word and I all answered them correctly. Then the call got transferred to an account specialist. He told me the account was locked because using their own internal verification procedure, they were not able to match the phone owner name with my name. They opened a case to seek other ways to verify my identity. Meanwhile, I thought the unknown owner name might be because that I am under a family plan and my phone number only showed the family plan holder name so I had my plan holder to add my name on XX/XX/XXXX. On XX/XX/XXXX, I checked phonenumber looking up website and confirmed that I could find my name XXXX XXXX shown as the owner of my phone number XXXX. I called XXXX then to ask them unlock my account but they told my that they still cant verify my phone number. The previous case didnt get solved but it was already closed. Also XXXX side have never reached out to me to proactively solve the issue. 
I asked XXXX that if they could just return all my deposits to my original account and close my XXXX saving account but they rejected to that Given that I can find my phone owner online, there is no way XXXX can not verify my phone number but XXXX shows unwillingness to solve my issue and get my money back to me. 
Whats more, they didnt perform the same verification procedure when I opened my account and transfer my money in but put extra blockers when I tried to transfer money out. If they see a security risk in my phone number, they should not even allow me to open the account. 
Right now I have no way to get my money out even to my original account. I am so despair.Attached is the proof that my phone number is under my own name now
Consumer complaint received 2024-05-25
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: Global Lending Services LLC (GA)

XX/XX/XXXX there were hard inquiries placed on my account without my permission. It was only supposed to be a soft inquiry. On XX/XX/XXXX my credit was only supposed to be ran once and the business put more inquiries on my account without my permission
Consumer complaint received 2024-01-30
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 (WA)

I have two separate credit cards from American Express that are related to XXXX XXXX XXXX. One is the XXXX XXXX XXXX and one is the XXXX XXXX XXXX card. Each promises to provide a benefit called XXXX XXXX XXXX based on a certain amount of spending on the card. I more than surpassed those spending levels and AMEX even sent me e-mail associated with EACH card proving that my claims as described are true and accurate. 

Nevertheless, they never provided this benefit. Instead, they have obfuscated, lied, used various psychological manipulation techniques to convince me to keep waiting for some new deadline they make up every other week, etc. 

This has been a process that has taken more than a month, and every deadline they claimed I should wait patiently for has now passed. They continue to just put me on hold, refuse my access to any senior customer care reps, and flat out do not provide the benefits they contractually agreed to provide.