davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

I would like to make amendments to my previous complaint as there are some unintentional errors. The complaint associated with # XXXX is to be void and replaced by this one : AMERICAN EXPRESS entered into a consumer agreement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to a third party non affiliate. Their terms and condition say they do not provide my information to third party non-affiliates. they violated their own terms and condition when they shared my information with the credit reporting agencies ( XXXX, XXXXXXXX XXXX  ). Additionally, they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX
Consumer complaint received 2024-01-06
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 (CO)

Tried to use an American express gift card on XXXX and keeps being declined apparently due to no address on the card. I attempted to call the company and sat on hold for an hour before deciding to hang up and find a new solution.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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 Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-04-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I am writing to lodge a complaint against Citibank for not honoring their advertised cash rewards for opening a new account. 

In XXXX of XXXX, I opened a new account with Citibank after seeing their ad that promised a cash reward for new account holders ( I have a screenshot to prove this ). I made the necessary deposit on XX/XX/XXXX and was supposed to receive a cash bonus of {$450.00} from Citibank. On XX/XX/XXXX, I contacted a Citibank customer service representative to inquire about the cash reward, and the representative assured me that the reward would be credited to my account by XX/XX/XXXX ( I have a screenshot to prove this ). However, despite meeting all the requirements stated in their offer, as of today, XX/XX/XXXX, I have still not received the cash bonus, and based on my chat with another Citibank representative, it appears that Citibank has refused to give me the cash reward. 

I have made several attempts to resolve this issue with Citibank, but they have been unresponsive and uncooperative. Their customer service representatives have given me conflicting information and have not provided me with a satisfactory resolution. 

I strongly believe that Citibank 's refusal to honor their advertised cash rewards is deceitful and dishonest, and I am requesting that you investigate this matter and take appropriate action against them. 

Thank you for your attention to this matter.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Adjustment Company Incorporated (TX)

In accordance with the Fair Credit Reporting consumer adjustment co 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 2024-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (NY)

I am writing to file a complaint against LVNV Funding LLC XXXX of Resurgent Capital Services for their violation of my consumer rights under 15 USC 1692c ( c ), part of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the code states that if a consumer notifies a debt collector that they refuse to pay a debt, the debt collector must cease all communications with the consumer, including communication to credit reporting agencies. 

On XX/XX/year>, I notified LVNV that I refuse to pay a debt they claimed I owed, as I believe the claim to be inaccurate and unfounded. Despite my notification, LVNV has continued to communicate with me through letters, and has also reported the alleged debt to credit reporting agencies. 

These actions are in direct violation of 15 USC 1692c ( c ), and I believe they represent unlawful harassment and unauthorized reporting, causing me distress and potential harm to my XXXX XXXX. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that LVNV ceases all communications with me and removes any reports of this alleged debt from credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NC)

On XX/XX/2024, an application for credit was done over the phone, reference number : XXXX. 
I provided an application, turned it into a promissory note, something of value. AND RECIPIENT DID NOT PROVIDE ANYTHING OF VALUE BACK TO ME. 
I made two phone calls with discover credit account services. TOLD ME THE CREDIT FACTORS DETERMINED CREDIT LINE. HOWEVER COLLATERAL HAS BEEN PROVIDED, equity is had been provided which means the account shouldve been approved and remedy of this is necessary. Both of them told me there was nothing they could do for me, the supervisor of the department told me she understood the validity of the claim, the value in my application, and the credit line that shouldve been provided to me. Because I have given something of value, a security, and have not received anything in return. Which is bottom line securities fraud, for my open ended consumer account which should have been opened. I am an investor per their prospectus, I have provided a promissory note and that is a security which provides all collateral necessary for the opening of the open ended credit account.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS XX/XX/1968 ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX  XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}.
Consumer complaint received 2023-04-25
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 
XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$410.00} XXXX  XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00}
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

I had received XXXX refunds from money orders I purchased from XXXX XXXX. They are Wells fargo checks. And I went to cash them to find out that they are deposit only checks. So I opened an account with Wells Fargo on XX/XX/XXXX of 2024 and deposited XXXX checks that day. XXXX checks were {$1000.00} each and XXXX was for {$250.00}. About XXXX hours after I open the account I get a email saying they are closing my account because of fraud suspected of me altering the checks. I don't see why they can't verify the checks since it's from Wells Fargo? I've waited already XXXX months for the refund from XXXX XXXX I have all the paperwork I even have the original money orders. When I sent the request off I didn't have the originals so I had to notarize XXXX different applications and send {$30.00} for each application for the search request to XXXX XXXX. Now I got to wait more time for Wells Fargo to verify the checks saying that I altered them? This is absolutely ridiculous.
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

This guy fooled me by sending me authentic products at first to sell. I made about $ XXXX payment via XXXX XXXX XXXX his payment XXXX XXXX. For which he shipped all of the items. But for the next order he gave me another account on another company name. He had gained my trust therefore I transferred him the {$30000.00} in 5 transactions via Bank Transfer using Wise Payments bank account. We were contacting this guy via XXXX. When we transferred the amount he stopped responding us. We opened a case on XXXX XXXX and Wise Payments both. XXXX XXXX contacted this guy and he provided all the shipment record of orders where we paid via XXXX XXXX. 
We contacted Wise Payments Ltd about the scam and they said they can not do anything here.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

AMERICAN EXPRESS entered into a consumer agreement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party credit bureau. Their terms and condition says they do not provide my information to third party non-affiliates. the violated their own terms and condition when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additionally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

American Express entered a 2 years and 10 months arrangement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party non-affiliate. Their terms and condition says they do not provide my information to third party non-affiliates. they violated their own terms and conditions when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additionally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I opened a dispute with Wells Fargo for 2 transactions on my debit card. The reference number I was given is : XXXX. 
Im writing this report to confirm I receive temporary credit to my account by the 10th business day, as promised by representative XXXX  and required by Regulation XXXX. 

I also have documentation I sent in via email to prove payment by other means.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I needed to see when I bought a product some years ago. So, I went to online banking and searched for the vendor ( XXXX XXXX ) that I bought it from, since i used a debit card. The search only goes back 18 months, so I figured that I should just download old statements, but they wanted me to download all old statements month by month for years on end. They refused to provide either an XXXX to script this, or provide a single download that I can then search myself. This seems to me to either be incompetency ( it is very easy to provide such a download if you have access to the system 's back end and are a XXXX I am a XXXX XXXX ), or an intentional attempt to restrict access to my information. Neither of these is acceptable.
Consumer complaint received 2024-01-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: UNITED COMMUNITY BANK (SC)

My girlfriend took out a XXXX loan on her house. United community Bank made her open up her own account We had to join account together And they were supposed to take XXXX payments out of her account. However, they took XXXX payments out of our joint account and we tried no less than five times to have it corrected. When I got upset with the bank, they retaliated and closed my account
Consumer complaint received 2024-01-05
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

My account was given a loan modification which I am grateful for, however while they were processing this and requesting more info they reported it as late. it is not late, and the credit history just needs to be updated as never late - loan modication was in progress.. please update my history for late months to never late as promised
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC. (KS)

I've had a credit card with Ally/XXXX for the past several years. I've used it without any problems. I never carried a balance on the card and, to my knowledge, I never made any late payments. I earned 2.5 % cash back on the card. I initially opened the account with XXXX and the institution was later bought out by Ally. 

My account was closed in XXXX, XXXX, by Ally, without any warning or explanation. My account was not past due and I did not owe anything on the account. According to the " Cardmember Agreement, '' Ally has the right to close my account without any warning or explanation. I, however, had a statement credit of {$150.00} ( earned through the 2.5 % cash back rewards program ). Upon account closure, I was not re-imbursed for the statement credit on my account. I was told by the first representative, and the second representative that I spoke to that any credit earned through the cash back rewards program is forfeited upon account closure. I may be mistaken, but I don't see anywhere in the " Cardmember Agreement '' ( that Ally sent to me after account closure and after I spoke to the representatives ) that statement credits earned through the cashback rewards program would be forfeited upon account closure. Conversely, the " Cardmember Agreement '' states that I would continue to owe any debts that I had on the account after account closure. There is a " Benefits '' section that mentions the right to change or remove any benefits at any time, but they are not defined in the " Cardmember Agreement. '' The " Cardmember Agreement '' also states they are defined elsewhere, but not exactly where. I also don't see how that would apply to credit already earned.
Consumer complaint received 2024-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (MD)

On XX/XX/ I filed a complaint with CFPB regarding my mortgage servicer, PHH Mortgage Services. CFPB reached out to PHH via an Ombudsman who was able to secure a repayment plan for me on XX/XX/XXXXXXXX XXXX My PHH Relationship Manager made it clear that CFPB was the reason my account was reviewed and approved for a repayment plan. I was offered a 50 % repayment on the balance due. Before they would confirm the repayment plan, PHH requested financial information including Profit & Loss statements, bank statements, social security statement and other income which I provided. I was assured that after they received this information, they would proceed with the repayment plan offer. Without telling me, they started foreclosure proceedings on XX/XX/XXXX, two days after the offer of a repayment plan was made. They did not notify me of their decision to proceed with foreclosure and they now demand a complete 100 % reinstatement of my arrears. PHH did not act in good faith after they replied to my complaint to CFPB. I have the funds for a 50 % repayment immediately as well as proof that my income has recovered and is more than adequate to continue making mortgage payments on time and in full as they demand. Because they did not notify me of the foreclosure, I want to reinstate the repayment plan with the private investor. Only CFPB was able to reach the private investor on my behalf. PHH will not disclose the identity of the private investor to me. It is unlikely that he changed his mind in 48 hours and more likely that PHH decided to foreclose on my house because of its increased value. 


This is not a repeat complaint but a new complaint based on false information that was supplied to me after PHH reviewed my CFPB complaint. I want to go forward with their offer. I am willing and able to go forward with the repayment plan immediately.
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (TX)

Received a " Notice of Unpaid Electronic Transfer '' from XXXX XXXX XXXX , XXXX dated XX/XX/2018 requesting payment for an alleged Check Number XXXX written on XX/XX/2018 to Original Creditor XXXX XXXX XXXX   Store Number XXXX, which is in XXXX, GA in the amount of {$2000.00}. The above information is from the notice and includes that the check was returned as either a Stop Payment or the account the check was written on was not authorized for ACH transactions. The notice also says XXXX XXXX , XXXX purchased the dishonored electronic fund transfer and forwarded it to XXXX XXXX XXXX , XXXX for collection. First, I live in XXXX, TX and was at work in XXXX, TX on XX/XX/2018 and have never been to or in XXXX, GA. Second, there were no supporting documents accompanying this notice such as a copy of the returned check or bank name the check was drawn on or a copy of the receipt for whatever was purchased. Third, the check sequence of my bank account checks currently in use are in the 500s, not the thousands let alone the 4000s. I am not the person these people are looking for. Lastly, upon investigating scam or fraud reports via the Internet on these two companies I found numerous consumers who have had similar experiences. And apparently, these companies do not do their due diligence verifying customer information during transactions.
Consumer complaint received 2023-02-27
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. (OK)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information