davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

It has been brought to my attention that a recent American Express representative whom I 've spoken to over the telephone may have attempted to retaliate against me for explaining to them that I refuse to speak to non-English speaking individuals when dealing with my Creditor. I 've noticed an increase in Spam since that day I spoke with this individual, giving me reason to believe that he and/or multiple individuals at American Express may have given out my email address ( in retaliation against me for expressing my feelings ), which is a clear violation of their privacy policy. This is unacceptable. I have a zero-tolerance policy with any organization I 'm doing business with where representatives feel the need to attack customers based on opinion. 

Given the serious nature of this event, I 'm also going to be forwarding this complaint over to the NSA so  they can understand and prevent American Express from allowing their staff to mishandle confidential customer information, at the behest of an incompetent and uncooperative American Express employee. 

Please respond to this complaint by providing your Privacy Policy as it stands today, and also provide a reason as to why American Express staff have been attempting to go against the rules of Security and maintaining Confidentiality.
Consumer complaint received 2023-11-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (IL)

This is concerning an estate account held with XXXX XXXX that had a CD invested with Goldman Sachs. 
The estate account was created in XX/XX/ ( from a longstanding individual account at XXXX XXXX ) and Goldman Sachs wouldnt redeem the CD to the beneficiaries until just a day ago, XXXX XXXXXXXX  The other banks CDs were redeemed at the end of XXXX. 
XXXX XXXX said they had no recourse or contact information for Goldman Sachs. I tried various contact numbers directly with Goldman Sachs to no avail. 
I believe Goldman Sachs was intentionally delaying the redemption given the CD was at a low rate, 2.25 %, while current CD rates are around 5 %, so to their economic advantage at the expense of the estates beneficiaries. 
Are there any timing regulations for redeeming estate account CDs by the banks? How can there be no transparency on the process when inquiries are repeatedly made? What recourse should there be? 
This complaint is to bring to your attention the unacceptable practice by Goldman Sachs as well as XXXX XXXX indicating they had no recourse.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

My ex girl friend used XXXX to send money to my chase account and than to her XXXX XXXX account - its a clear money trail but chase refuses to assist properly and told me to contact XXXX - I contact XXXX and they tell me to contact my bank. And now shes using my account to pay her rent
Consumer complaint received 2023-10-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-12-20
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. (CA)

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these information at the earliest possible time. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX... XXXX : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX... XXXX : -
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: STATE EMPLOYEES CREDIT UNION (NC)

In XXXX I fell behind 1 payment on my mortgage and quickly reached out to SECU to know what options I had as far as repayment plans or extensions. SECU advised after I make 6 continuous payments I would qualify for an extension. I was told to call back after I made the final 6th payment in XXXX so they could process the extension timely. I did just that by calling multiple times and messaging near the end of XXXX and again in the beginning of XXXX. Even with my communication and prompts to process the extension SECU did not process the extension timely causing an additional late charge of over {$47.00}. I had already paid approximately ( 8 ) prior late charges during the required repayment period to qualify for the extension. I even made sure to return the esigned document immediately upon receipt. The first document did not instruct for 1 of the 3 check boxes to be checked, so it had to be resent which the 2nd document did include the required check boxes so I executed properly. This all taking place after SECU paid the incorrect property tax on the lot next to mine, causing me to pay interest, fees and being in danger of county tax levy. SECU 's failure to correctly apply my escrow funds towards the correct property tax caused my escrow shortage which increased my monthly mortgage. SECU needs to improve their extension process and listen to their members when they make efforts to handle this process timely but still are charged a late fee due to SECU dropping the call. The disputed late fee is the XX/XX/XXXX late charge due to SECU not processing the extension timely. Additionally, SECU does does not consistenly provide dual party consent or mini-miranda on their collection calls. I have also experienced SECU not fully authenticating me prior to releasing account specific information. I love my membership with SECU but there needs to be sustainable change in the risk, compliance and governance of SECU.
Consumer complaint received 2017-04-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Tribal Lending Enterprise, Inc. (NJ)

After receiving XXXX pay day loans with incredibly high interest rates in the XXXX 's, it has been brought to my attention that these loans are prohibited in my state of NJ, where there is an annual cap on interest of 30 %. after paying off my first loan I was promised a lower interest rate for being a returning customer but it has actually raised by about 53 %. I have reached out to Silver Cloud with a cease and desist letter revoking their right to charge my bank account or contact my employer, as well as closing my bank account outright for extra protection. I have reached out to the company multiple times via phone and email with no reply regarding the topic of closing my account. My loan information is as follows : Silver Cloud : Amount Borrowed = {$1100.00} Interest = 871.844 % ( *as a returning customer I was promised lowered interest rates ) Paid ( as of XX/XX/2017 ) = {$750.00} Amount of principle paid = {$110.00} Principle Remaining = {$990.00} Amount Borrowed = {$800.00} Interest = 818.124 % Paid ( in full on XX/XX/2017 ) = {$2100.00} Amount paid on interest = {$1300.00} Shortly after my C & D letter, I started receiving emails from " collection agencies ' threatening to take me to court for loans with companies I 've never had as well as phone calls and texts for " get out of payday loan debt '' companies. 

Please assist as I 'm currently paying $ 1200+ a month in fees for these outrages loans!
Consumer complaint received 2022-12-20
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. (CA)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SLM CORPORATION (MN)

Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX. program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX  for my XXXX XXXX earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to navient the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

TODAYS DATE:XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX {$23000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX EF Late Dates : XXXX, XXXX, XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL XXXX
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I used my Capital One Pottery Barn card for a {$4500.00} furniture purchase and availed myself of the card 's 12 month interest free payment option. If the amount is paid off in 12 months, no interest or fees are charged, or so I was lead to believe. What they don't say is if you make any other purchases with the card during this period they will incur a 1 % fee on each purchase. Even if you pay the balance due each month. There is no way to avoid this fee, making the 12 month interest free option essentially worthless in my estimation. I feel this is deceptive even if it is disclosed in there multi-page terms of service that no one is expected to read when agreeing to apply for the card. This fee should at least be disclosed on every purchase if the 12 month interest free option is taken so that the customer has to option to use another credit card or pay cash to avoid the fee. That's what I'm doing. I won't use the card again until the {$4500.00} purchase is paid off in 12 months. They do not disclose this in the monthly statement and it took me 30 minutes on the phone with them for them to explain how their " minimum interest free payment '' was calculated, which was obviously not interest free.
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I've reach out to the original creditors as well with no resolution. I had requested for the inaccurate information to be removed and blocked from my credit report. this information was obscure, had errors & omissions I requested that the record be augmented, this is causing a defamation of character and it's injuring me financially. I've spotted many red flags regarding this matter such as : No consistency - Different staff or salespeople are telling you different things. 
Confusing fine-print Wont put it in writing- No one will give you clear information in writing, even when you ask for i I demanded the direct verification, and validation all data for this account, every notation, dates and balances, whether reported or not. I demanded proof as per Public Law No. 91-508 ( FCRA sec 605, 609, and 623 ). and to please verify and validate all data for this account, on top of it, if this is a collection account and the collector need to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. I do not recognize the charges on the account nor the account itself, it does not belong to me, I purge myself and my person ( s ) from any and all assigns for account listed herein, so be it, and ;
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I called Citi to verify a XXXX transaction. They asked me for my phone number, I gave them my cell number I use for all financial institutions. They told me they don't have that phone number in some registrar. They asked if I had any other number- I only have a cell and VoIP - they put me on hold and a minute later told me they closed my account and I would receive the funds as a check in the mail in two months.

I talked to a supervisor, who told me there was no other way to prove my identity. I asked why it takes two months to receive my money, and XXXX could only tell me it was their process. I asked by what date I should receive a check, and he said XX/XX/XXXX. However, horror story after horror story on the Internet about Citi show that it can be much longer. 

I talked to executive services. I asked them what documents could I provide for their process. They said any documents I send would not help. I asked them why it takes two months, and they told told me that's their process. I asked them what their process was, what they were doing for two months. They told me it's just their process. I was told I would receive a tracking number, which I have not received yet. 

They have most of my liquid savings tied up in an account they closed. They are not giving me more info, and they said the info I could provide them won't help. I have spent at least 4 hours on the phone with people who don't care, don't listen, don't understand words I am saying, and thought " XXXX '' ( a bank I transferred from ) was a person. My money is not earning interest. And the kicker is that four days after they closed the account, I would have earned a {$200.00} bonus from Citi.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I went into the chase bank and deposited my third party ch check that was endorsed to me on the XXXX th of XX/XX/2023. The bank put a hold on the XXXX and said it would be cashed on the XXXX of XX/XX/2023 and my funds would be available. I waited and it was cashed and deposited in my account. The day it was released XXXX of XX/XX/2023 the bank closed out my account and is holding my money. I've called several times to find out why they will not give me my money. They said needed 3rd party to verify. The person called to verify the check and he gave them his number. They responded with they can't verify the phone number. The phone is registered to the third party. They said it isn't. Regardless the bank accepted the check and deposited and then cashed it then closed my account. This isn't right if they had a issue with the check they shouldn't have cashed it or put in my account. Now withholding my funds and closed my account.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

To start with, this is not my first attempt at resolving this particular issue. My credit score was updated on XX/XX/2023 to reflect a balance of {$390.00} from XXXX XXXX bank, which was false and illegal. Despite having a balance of {$0.00}, Equifax falsely generated this amount, resulting in a XXXX drop in my score. The creditor had not yet reported my account for the current statement period, and confirmed that my balance was {$0.00}. Despite this, Equifax claimed that the amount was reported. Although an investigation was opened, my score did not return to its original value, and the false remark was not removed from my credit report.