davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

On I received a collection notice from XXXXXXXX XXXX XXXX in regards to doing business with [ original creditor ] in the amount of {$480.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; Response : NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. I have not consented or signed any paperwork nor have I received any dispute disclosure information.
Consumer complaint received 2024-01-08
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. (MO)

Experian closed another complaint with another absurd explanation that has nothing to do with the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2024-01-05
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. (MO)

How is it possible that Experian yet again at XXXX notified me that they closed this complaint WHICH IS NOT POSSIBLE BECAUSE THEY DID NOTHING THEY FIX NOTHING
Consumer complaint received 2024-03-24
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

I made an online checking account with chime I opened it on XX/XX/2023 and on the the same day my account was closed on me. I have been trying to get access to my funds for two months I tried calling multiple times every time I talk to someone from the support team to talk about my account situation and Im told they cant do anything about my account only the review team has the power to make a decision about my account I tried to email the review team and I ended giving out information about me multiple times and they should have received more than enough information to help me verify my identity I even shared my bank statements to prove where the deposit came from. Its been two months and I still dont have access to my funds I talked to someone over the phone with someone from my original bank to talk about talk about closing down the account and I should of had a closure check and they told me they were in the middle of processing it so I wait about a month and I havent received anything so I call again and the money I was trying to get back was still stuck in my account that I dont have access too. I already tried reaching out to the company but they havent been able to get back to me so Im writing this so I can get information on how to get my funds back.
Consumer complaint received 2024-01-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

I made purchases on my XXXX Chase account with the option of XXXX  month or XXXX  month pay. I was told that the full amount would drop off the account during the next billing period and then would go to monthly payments. I received my statement and nothing fell off! I called them today and they said that they keep the full balance charged to your account and then you just make monthly payments. That is a bait and switch and isn't a payment plan. That is essentially charging me XXXX. They gave no resolution to this issue other than raising my credit limit. That isn't what I wanted. 

This was for a total of about {$500.00} on XXXX for several purchases over a week using XXXX Chase.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (WV)

I created a dispute about the information on my credit report. 
I can not access the results of the report or my existing account, as I have been locked out of my account. 
I have 3 different phone numbers to call : XXXX ; XXXX ; XXXX NONE allow me to speak to a human. 
I need to update both phone and email addresses, I CANT DO ONLINE, IVE BEEN LOCKED OUT OF MY ACCOUNT. 

My only other choice is snail mail. 
This is utterly and completely ridiculous. 
Sincerely, Please, help!
Consumer complaint received 2018-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX I submitted separate, multiple requests via letter to TransUnion Credit Bureau as well as each Creditor, requesting them to investigate several unauthorized hard credit inquiries that they have listed on my credit profile. 

I requested that they either provide me with physical documentation validating these inquiries, or, that they remove them immediately as they are damaging to my credit profile. 

The inquiries that I requested be investigated were as follows : -Financial inst. XXXX XXXX. ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) I can not stress enough, not one of these hard credit inquiries were authorized by me. At no time did I give permission to any of the above institutions permission to access my credit file. 

As noted above, on XX/XX/XXXX I requested TransUnion to investigate. On XX/XX/XXXX, I received an automated response via letter not informing me of any investigation process, but to inform me of how inquiries may have been added to my credit file. I did not ask them how inquiries may end up on my file, I asked them to investigate my unauthorized hard inquiries. 

TransUnion did not investigate anything, they failed to move forward any due process in this matter. 

One Creditor also wrote me back in the mean time stating that they ( they creditor XXXX XXXX ) won't even investigate the inquiry and asked me to contact the Bureaus. So if XXXX XXXX wont investigate, obviously they can not verify the inquiry. With that being said, TransUnion should remove it. 

TransUnion is not doing what they are supposed to do. I am attaching the automated response they sent to me via US Mail, I am also attaching a letter that XXXX XXXX wrote to me stating they will not investigate anything.
Consumer complaint received 2018-11-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings (CA)

Company calls multiple times within an hour. Today XX/XX/XXXX they've called at XXXX, XXXX, XXXX. This behavior repeats daily. They also change the area code/phone number they call from. Sometimes it's Kansas, sometimes it's California ...
Consumer complaint received 2024-01-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NV)

Subject : Inability to Utilize American Express Gift Cards and Lack of Customer Service Resolution ( Duplicate Complaint for another card Number : Only a card number was able to be added. I have two prepaid cards : Original COMPLAINT ID XXXX ) Complaint Description : I, XXXX XXXX XXXX currently residing in XXXX, NV, and serving as the XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX at XXXX XXXX XXXX wish to file a formal complaint regarding the issues I've encountered with American Express ( AMEX ) gift cards. 

Issue Overview : Duration of the Issue : Since late XXXX  to early XXXX 
Nature of the Problem : Received multiple AMEX virtual gift cards from my employer, which were initially functional but are now universally declined both online and at physical locations ( including restaurants, grocery stores, and when attempting to add to XXXX XXXX ). 
Attempts at Resolution : Customer Service Interaction : Upon contacting AMEX customer service, no viable solution was provided. The representatives were unable to : Suggest locations for card usage despite AMEX 's claim of universal acceptance wherever AMEX cards are accepted. 
Transfer balances from the virtual cards to a physical card. 
Issue a refund or convert the balance to cash or check. 
Additional Limitations Noted : The cards do not permit partial payments. 
Restrictions on charging amounts close to the total card balance. 
Primary Concerns : Inaccessibility of Funds : The current status renders the money on these cards inaccessible for over a year. 
Misleading Advertising : AMEXs claims of universal acceptance of their gift cards are proving to be false in my experience. 
Potential Consumer Impact : This situation seems to be a broader issue potentially affecting numerous consumers, suggesting a systemic problem with AMEXs gift card policies and functionality. 
Resolution Sought : I am seeking the total balance on my four unusable virtual cards in the form of cash or check. 
My intent is to gain access to the funds rightfully owed to me and ensure that AMEX addresses these significant service shortcomings for all consumers. 

I trust that the CFPB will take this matter seriously and aid in resolving this issue effectively. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-24
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: Experian Information Solutions Inc. (IL)

I received an electronic response to the debt validation letter from the the corporate office of XXXX XXXX XXXX XXXX, I was also sent the Original XXXX contract. I was called by an agent and I was told that I would not receive any of these documents via registered or certified mail and that I was not eligible for refinancing because XXXX XXXX does not refinance any of their contracts. Again I assert that this information was not provided to me in the terms of the vehicle purchase. I have paid {$24000.00} on a vehicle that was originally priced at {$12000.00} under the guise that I would own the car in two to three years. I have attempted several times to speak with this company, and I have gotten called a XXXX XXXX  and XXXX, which I find defamatory and seek punitive damages instead of the runaround. The debt validation electronic letter was sent on XX/XX/2024. I do not wish to receive any defamatory correspondence from this company and I am filing a lawsuit. I need a fair resolution to this situation to avoid litigation. I will continue to view my options under the Truth in Lending Act and the UCC codes. This is a blatant violation my rights as a private citizen.
Consumer complaint received 2024-01-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NV)

Subject : Inability to Utilize American Express Gift Cards and Lack of Customer Service Resolution Complaint Description : I, XXXX XXXX, currently residing in XXXX, NV, and serving as the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX wish to file a formal complaint regarding the issues I've encountered with American Express ( AMEX ) gift cards. 

Issue Overview : Duration of the Issue : Since late XXXX to early XXXX. 
Nature of the Problem : Received multiple AMEX virtual gift cards from my employer, which were initially functional but are now universally declined both online and at physical locations ( including restaurants, grocery stores, and when attempting to add to XXXX XXXX ). 

Attempts at Resolution : Customer Service Interaction : Upon contacting AMEX customer service, no viable solution was provided. The representatives were unable to : Suggest locations for card usage despite AMEX 's claim of universal acceptance wherever AMEX cards are accepted. 
Transfer balances from the virtual cards to a physical card. 
Issue a refund or convert the balance to cash or check. 

Additional Limitations Noted : The cards do not permit partial payments. 
Restrictions on charging amounts close to the total card balance. 

Primary Concerns : Inaccessibility of Funds : The current status renders the money on these cards inaccessible for over a year. 
Misleading Advertising : AMEXs claims of universal acceptance of their gift cards are proving to be false in my experience. 
Potential Consumer Impact : This situation seems to be a broader issue potentially affecting numerous consumers, suggesting a systemic problem with AMEXs gift card policies and functionality. 

Resolution Sought : I am seeking the total balance on my four unusable virtual cards in the form of cash or check. 
My intent is to gain access to the funds rightfully owed to me and ensure that AMEX addresses these significant service shortcomings for all consumers. 

I trust that the CFPB will take this matter seriously and aid in resolving this issue effectively. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: U.S. BANCORP (IL)

I received unsolicited checks in the mail from US Bank, in spite of the fact that I specifically enrolled in paperless documents and statements. 
THIS IS AN OPEN INVITATION TO IDENTITY THEFT AND/OR CHECK FRAUD! 

I tried to stop these promotional mailings using the US Bank website and their phone app, and there is no way to do so. I am unable to get a response from their support, since they do not provide any way to contact them except by phone or in person and I do not have that much time to waste. 

IF THEY REFUSE TO STOP THESE DANGEROUS MAILINGS I WANT TO CLOSE MY ACCOUNT, BUT THEY DO NOT PROVIDE A WAY TO DO THAT EITHER.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a Identity Theft yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX  XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (ID)

I have the US Bank XXXX XXXX XXXX. It allows you to select two 5 % categories and one 2 % category. For my 5 % category, I selected " Furniture Store '' and within that category, you can view " Examples. '' I shopped at a store clearly shown as an example with US Bank. I spent {$2800.00} at this store and US Bank awarded me 1 %. I have called their customer support multiple times and was promised a call back but I have not received anything. How many other people are they doing this to and how many times have I shopped at places they say will earn you rewards but they don't pay out. It's very misleading and they are committing fraud.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (VA)

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-19
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 (CA)

Hi, I have been trying to use the card to either use in XXXX or XXXX. I have tried to connect with the paypal to allow me to use it for other online stores because some don't take AMEX. I have to tried to reach out to the phone line on back of the card but has been only redirected to automated FAQs. There was no one to contact available when I look at my account balance. I have sufficient funds and the purchase of the items were below my current balance.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I was refunded a charge on my Chase credit card from a lawyer in the amount of {$4400.00} on XX/XX/XXXX so I called Chase to make sure it was put back into my account I didnt make dispute complaint in the meantime I paid off previous balance of {$3000.00} plus on Chase account so when my new statement came out on XX/XX/XXXX it I had a {$4300.00} on my account. I called Chase about the money on my account and they told me it was an overpayment on my account and balance was XXXX so I had the {$4300.00} put into my checking account also I spent half the money. On XXXX/XXXX/XXXX I looked at my Chase credit card account and it had a balance of {$4400.00} the amount the lawyer refunded Chase made the mistake and duped me into taking the money and putting in my checking account. I called Chase several times on XX/XX/XXXX to avail I canceled my card and still owe them XXXX I believe I should not have to pay the money because Chase committed XXXX against me I am XXXX years old on XXXX  and XXXX  XXXX anything you could do to help me in this matter would be greatly appreciated! 
Thanks XXXX XXXX
Consumer complaint received 2023-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TX)

In XX/XX/2023, I received a debt collector statement dated XXXX. This was sent to an incorrect address. This incorrect address was never provided to the original creditor. The original creditor was provided with the correct address when contacted for medical records. No attempts were made to send medical debt to the correct address despite being provided with it. 

I contacted Medicredit on XXXX requesting an itemized statement and reported that we had not received ANY notification of the original debt from the original creditor. I also provided a correct address for their records. 

On XXXX, I contacted Medicredit to request an itemized statement again. XXXX stated her system showed an itemized statement was sent on XXXX and XXXX. I told her nothing was ever received. I reported I only received the original statement dated XXXX and a reduction settlement offer dated XXXX. XXXX stated they were not allowed to send another itemized statement. I reported that I never receive ANY notification from the original creditor of this debt, and never received the itemized statements her system reported.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (TX)

My Driver 's license and XXXX ID were stolen along with my external security/password bank so nearly all my accounts were compromised since they had full access to my identity, passwords, PINs. Luckily, I was been able to prevent new credit accounts and loans from opening, shutting down my bank accounts from take-over ( Had to open all new accounts within my closest branch ), and preventing further government identification ( as there have been reports of my SSN being used by in the states of Indiana and Illinois ) along with Tax and Job Fraud.

Hopefully, I have taken all the necessary steps to prevent any further negative impacts from arising and I requested Avant 's help in forwarding the materials they reviewed as I also wanted to continue to prevent future misuse of my identity and my accounts. 

Avant denied my claim for the charges on my account.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The CARES Act and Credit Reports states. 

If you made an arrangement wit a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after the COVID-19 national emergencies ends. 

Capital One Is reporting late payments ( XX/XX/XXXX, XXXX - XXXX, XXXX ) to my credit report however, I had followed all steps of making valid and on time payments to my account. My account is current via the cares act with this company during those periods however they are still reporting inaccurately to all three of the national credit agencies. I was current before and after that time.

Cares Act states If you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements. However this account was paid on time and current.