davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, On XX/XX/XXXX, I purchased an XXXX for {$2500.00}. I used the American Express XXXX It feature to pay off as I go. However, on XX/XX/XXXX, I canceled the airbnb and received a credit. When I logged in to check my balance, my XXXX for the airbnb was still active- and my statement balance did not reflect the credit that I had received for the XXXX. My statement balance ( which included the XXXX balance ) was {$2500.00} too high. On XX/XX/XXXX, I contacted Amex to cancel the XXXX and receive an adjustment for my statement balance. The Amex customer representative attempted to adjust my statement balance by issuing a credit ( reflected as a credit on XX/XX/XXXX, " XPL CR ... " ). However, the adjustment was done incorrectly because the representative also applied a charge ( reflected as charges from Amex on XX/XX/XXXX, starting XXXX XXXX XXXX... ). So effectively, the credit canceled out the debit, and my statement balance was never properly adjusted to reflect the XXXX cancellation. Now, I have contacted Amex multiple additional times and they refuse to properly adjust my statement balance to reflect the canceled XXXX. 

I am attaching screenshots of my conversations with Amex. Apologies, they are not ordered chronologically ( I have already invested XXXX hours into these conversations and have a very busy job as an attorney and don't have time to invest more time- but can provide more documentation if you need ). 

The Amex XXXX It feature needs to be investigated. Consumers - please beware of using any Plan It programs through Amex. Typically, I would just pay this kind of charge to save myself the headache and time, but I can not afford a {$2500.00} additional charge.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have emailed, called, and sent in letters to all three credit reporting agencies to have the bankruptcies showing on my credit report removed due to how they obtained this information. They claim the court gave them this information even though I have sent in a copy of the letter from the court themselves saying that they have do not share information with any credit agencies. I have asked as recently as XX/XX/2023 with XXXX that it remove the bankruptcy from my report, but they refuse to do and keep saying that the court verified the bankruptcy. This has been going on for a couple of years now and I would like it stop. I even sent a letter to XXXX who claims that they got the information from the court, which I sent a copy of the letter stating that the statement they made was indeed false, and they refuse to remove it from my report.
Consumer complaint received 2023-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. I ask to verify the debt XXXX didn't do any investigation on my behalf they also gave out my addresses to the company. My right been violated 15 U.s code 1692 the not helping creditors they selling my information to the company that owes the debt lying not providing details on the contract or verifying the debt above on my account.
Consumer complaint received 2021-01-13
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: Aqua Finance, Inc. (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX and XX/XX/XXXX, XXXXXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-05-04
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I have called several times also I sent a ftc report stating that their was fraudulent information on my credit report they keep telling its closed as correct then they say its open for dispute which is it I clearly have the documents showing it was in fact identity theft by genesis credit management.
Consumer complaint received 2023-11-14
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. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Opened a savings account with Citizens Access bank, deposited my check from my NJ rentals and just next day, account got restricted, i have called over XXXX times and they have no information, it's been over 2 months now they ; re holding on to my funds over {$7000.00}
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: GREENSTATE CREDIT UNION (IA)

So. On XX/XX/XXXX I noticed I over drafted and went under {$220.00}. I immediately transferred {$500.00} from a money market account but that took 3 days to get there. In the mean time I got 5 {$34.00} over drafts totaling {$170.00} bring my over draft to {$390.00}. That is 74 % of the amount I went over. So that is fine. the {$500.00} brought me to a positive. Do to a miscalculation on my part I went under again this time it was {$58.00} again I get the Overdraft Fee 's this is a total of 7 over draft fees for {$230.00} this put me under for a total of {$290.00}. So this is 4x what I over drafted. How is this legal. As that would mean a person could never get out of this hole.

I contacted my bank they reversed a single overdraft fee ( I did not include in my calculations ). I then asked them when I signed up for the over draft protection and they said I did it back in XXXX. I don't remember signing up for this over draft protection. The form was not my signature but a generated one. As it could have been filled out when I set up my minor son 's account that has to be attached to mine, until he is XXXX.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Consumer complaint received 2024-04-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

Im disputing the collection account associated with account number XXXX with Contract Callers. According to your records, this account was opened on XX/XX/2024 Balance Owed : {$90.00} and is categorized as a collection account for which I bear individual responsibility. However, I want to bring to your attention that I am a victim of identity theft and have no knowledge or involvement in the creation or management of this account
Consumer complaint received 2020-07-30
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)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX ATTN : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Experian 's National Consumer Assistance Center XXXX XXXX  XXXX XXXX, TX XXXX REF : Report Number : XXXX I am writing to dispute the following data in my credit file. I have listed all errors below. It is a letter meant to bring unnoticed mistakes to Experian 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. I have severe problems with Experian Consumer Portals! These kinds of companies are probably responsible for different breaches at Experian. 

My credit file was a breach was years ago. I completed all the appropriate steps. Experian stubbornly refuses to do a debt validation. They pretend to do the investigation and have a turnaround time of 24-48 hours, which is a false sense of hope. Then deny my dispute. Really? I am still trying to get my V. A. Loan that I have rightly earned. I sent certified letters to them all over sixty days ago. Please delete these items as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? 

Why should my family continue to stay in a hotel since I can not obtain a loan? Why has this been going on for nearly two years? Why will Experian not take their knee off the necks of XXXX Americans, particularly my neck? I am begging to have these errors removed and why you all will not let me breathe? It is XXXX motivated. 
Could you all show XXXX 's kindness to a Veteran who risked his life fighting for a country I love dearly? 


Experian could make this right in a matter of minutes. 
XXXX XXXX XXXX, et al. 
XXXX XXXX XXXX XXXX XXXX-
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

After getting a full credit report for all three credit agencies XXXX, Experian and XXXX, I noticed that some items were not on my credit report and also Experian has not updated my credit report since XXXX when it comes to my credit cards missing information. My XXXX report shows that I am an authorized user of XXXX  XXXX Reported : XXXX XXXX, XXXX  for a credit line of {$1200.00} and XXXX  years and XXXX  months. But this account is missing on my Experian and XXXX credit report.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (CA)

XXXX times over the past XXXX years criminals have attempted to open deposit accounts at XXXX XXXX  using my personal information to include XXXX. Each time US Bank has sent me a notice and asked me to call and confirm whether I did apply for a new deposit account or not. 

On or about XX/XX/XXXX I received yet another notice of an attempt to open a deposit account in my name. I called the number on the e-mail sent to me and clarified that I did not apply for a new account. Since this problem is recurring, I asked them to take steps to ensure no new account can be opened in my name. I was told they would institute safeguards. 

On XX/XX/XXXX I received yet another notice that an application for a new account in my name was submitted. I was told to contact ( XXXX ) XXXX to confirm XXXX. Calling that number only reaches a very confused general customer service representative who places me on hold for over XXXX hour at international direct dial rates. After repeated tries, I was given a direct number to the XXXX XXXX. 

On XX/XX/14 at approximately XXXX am I called the XXXX XXXX. and after a brief reached an astronomically incompetent representative who insisted on sending a OPT to my cell phone. Her codes never arrived. She then stated that without OTP verification, I can not report a case of fraud against US Bank. It is beyond stupid that one can not help protect US Bank from fraud losses should their XXXX not arrive. I hung up. XXXX minutes their XXXXs arrived. 

I attempted to call again and this time the holds are for at least XXXX minutes, again at international direct dial rates. 

That XXXX XXXX is so incompetent that someone can not help them recognize fraud and protect them from financial losses, perhaps the CFPB needs to investigate.
Consumer complaint received 2023-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (VA)

My dwelling insurance policy must be paid by XX/XX/XXXX for {$910.00} ; otherwise, the policy will be canceled. I spoke with PHH mortgage ( Loan number : XXXX ) and requested that payment be made by XX/XX/XXXX. The agent stated the payment was made by PHH mortgage on XX/XX/XXXX, but it was not credited to the insurance, and the agent could not tell me how the payment was made. She said she would request another payment by wire and call me back with an update. She called me several days later but could not verify the payment was made. 

I contacted the insurance company on XX/XX/XXXX to request the status and they stated PHH did not pay the insurance and it would be cancelled the next day. I called PHH again on XX/XX/XXXX and asked for the status. PHH stated a wire would be made and it paid after XXXX business days after. PHH would have failed to pay the outstanding payment to the insurance company in time, and I paid the outstanding balance of {$910.00} on XX/XX/XXXX since PHH failed to clear the payment as required by the XX/XX/XXXX deadline. 

On XX/XX/XXXX, I received a call from PHH stating they paid on XX/XX/XXXX and that the insurance company did not accept payment electronically. This took XXXX days to find out, and PHH did not attempt to close the outstanding balance, even though they stated they made multiple payments after XX/XX/XXXX, which they did not verify. 

I asked what steps they took to ensure it was paid in time, and they stated the payment on XX/XX/XXXX was their only obligation, and it was my problem that the insurance company required payment by check, and they would not take any steps to address it, and it was my problem. I spoke to them again on XX/XX/XXXX, and they still could not confirm whether a payment was made and would not pay me back after I made the payment to the insurance company, saying that it was not an option for them to pay me back. I would need to ask the insurance company for payment. How could I ask the insurance company for my payment when that was the only payment credited to the account?
Consumer complaint received 2018-05-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Recovery Consultants, Inc. (IL)

The Company Professional Recovery Consultants felt the need to call my job. Another colleague with the same name to my own answered the call, and the worker gave her the last 4 digits of my social and was asking if she was me and was harassing her. I work in a XXXX, specifically in an XXXX XXXX, and was getting ready to talk to a relative of a XXXX XXXX. This is about a month after they called my boyfriend to get information from him about me. 

This occurred on XX/XX/2018, around XXXX. The website for the company is https : //prorecoveryinc.com/.
Consumer complaint received 2023-09-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Lima One Capital, LLC (NC)

Lima refused to provide me with a mortgage because it saw an XXXX XXXX on XXXX. My personal background is absolutely clear and I work in the financial industry. They discriminated against me because they said people like me should not get more loans and they can deny any one a loan based on their choices and if I want to sue I can do so. They dont care
Consumer complaint received 2023-11-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I set up a wire for $ XXXX yesterday evening on JPM Chase bank checking account. This is a account that I have wired before and is not new. Every time they hold up the wire and force me to go thru " ridiculous verification process. I believe they are motivated by more then protection, holding up the money and transactions. They not only stop the wire but lock up the account as well. Then I have to make several phone calls to get the account released and set up the same transaction again. Again I have to go thru " the same process, This process is set up to be done thru " offshore support and they are very slow and useless. It takes extremely long to get anything done. This is done for my protection they say, but this excessive and delays my work. 

I need this to stop or they set up an proper process to verify and do it in a fair way. This needs to be stopped and they know this is not the first time it is being done as well.
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Someone on XXXX ( impersonating XXXX XXXX ) had messaged me consistently for a few weeks saying they wanted to buy me jewelry, they then sent me two checks on XX/XX/XXXX for {$3500.00} and another on the XXXX for {$4500.00}. They both went into my account successfully. After that they sent me a jeweler and i looked him up to find his account and was to purchase the jewlery there as a personal buy, when i sent some not all of the money to this account they deleted their accounts and the checks bounces, in which they took {$5000.00} of my money in my checking account. This was done through zelle, i contacted both XXXX XXXX and Zelle and they said they blocked this man from the bank he was using and from zelle. His phone number is ( XXXX ) XXXX, name XXXX XXXX. If they were able to confirm he committed fraud and took my money and blocked him, how are they not able to get my money back.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIB Group, Inc. (MD)

Due to inaccuracies in my XXXX XXXX report, I've faced denials for XXXX XXXX XXXX XXXX insurance. Despite my efforts to contact the company through their website and phone number ( XXXX XXXX XXXX XXXXXXXX ), I've received no response since XXXX. I've been with XXXX for over XXXX years and can provide documentation to refute the reported health issues. Unfortunately, I have been unable to speak with anyone at the company to address this matter.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

XXXX : - XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX  - XXXX XXXX XXXX ( Bank ) XX/XX/XXXX  - XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2024-04-27
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: Incomm Holdings Inc. (NC)

I bought a {$500.00} Vanilla card at a XXXX XXXX in XXXX Iowa on XXXX XX/XX/2023. I tried to use it at a XXXXXXXX XXXX to buy a phone and it was declined. It was flagged as suspicious and I could no longer use it anywhere. I decided not to worry about it until I got back home to XXXX XXXX. 
I am a US citizen but currently reside in XXXX XXXX. 

In XX/XX/2023, I called Vanilla about un-suspending my card and was told that they could only re-issue me a new one and that would take a couple of weeks. I got the new card on XX/XX/XXXX and I called the number to get it activated. 

I was never able to log on to my account to see if the money was there. I tried to use it on XXXX on XXXX the XXXX and it was declined. 

I called Vanilla on XX/XX/XXXX to see if the card was working yet. 
They told me that the card had been re-issued on XXXX XXXX but that very same day all the money had been spent at an XXXX online store. 

I did not make this transaction. 
I told them that that wasn't me and they helped me to fill in a dispute form over the phone and issued me a case number. 

They sent me the form to sign but my name and address were both spelled wrong. They said they couldn't fix it. I told them I couldn't sign it if the name was incorrect. I finally talked them into fixing my name but they refuse to fix the mailing address, although the email address was correct. 

I finally signed it and just recently, XX/XX/XXXX, I was told that the dispute was denied but given no reason. 

This was obviously some sort of scam, possibly by the employees of the vanilla company. I do not understand why : a ) the dispute was denied or b ) why the process was so difficult. 

Please help me to figure out what has happened and to recover the {$500.00}.