davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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 (CA)

XX/XX/XXXX : received American Express ( " Amex '' ) {$200.00} virtual " eGift '' card in my email as a XXXX present from my parents. Upon receipt, activated and checked the balance online. Balance showed as {$200.00}. 

XX/XX/XXXX : tried to use the card at XXXX XXXX in XXXX, CA. Card was declined. Server came to our table to tell me about this. Felt embarrassed and dejected. 

XX/XX/XXXX : added the card successfully to XXXX XXXX on my phone. Tried to use the card to buy XXXX. Card was declined. Felt incredibly frustrated. 

XX/XX/XXXX : read about other users finding similar problems with the Amex gift card on XXXX and other sites. Read that some users had luck buying other gift cards for the same amount and then using those for purchases. Tried to use the Amex gift card at XXXX to buy an equivalent value gift card. Card was declined. 

XX/XX/XXXX : re-added the card to XXXX XXXX ( after removing previously ) and attempted to purchase an XXXX XXXX gift card. Card was declined. 

XX/XX/XXXX : called the Amex customer service number indicated on the gift card balance page. The balance page only shows a {$0.00} charge on the card from XXXX for a " pending transaction '' which as indicated above never went through. So it shows a {$190.00} balance remaining. The Amex customer service line offers options ( 1 ) for activating the card or checking a balance, ( 2 ) for declined transactions, and ( 3 ) frequently asked questions. There is no way to speak to a person about the problems I've had, or even to solve any problems specific to this card with an automated agent. I listened to all the recorded messages and tried calling back to see if pressing XXXX to get an agent would work or if there was any way to resolve the issue I was having. There was no way. I tried searching on XXXX for help from Amex in dealing with this issue- there was no other option. 

I'm separately an Amex credit card customer and am now considering canceling my relationship with the company as this is such a disappointing and frustrating experience. From research of other people having this issue online, it appears I'm far from alone in feeling duped and taken advantage of by American Express due to their XXXX card practices. 

I am eager to resolve this problem.
Consumer complaint received 2017-12-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

I have been contacting Discover about my student loan account since XX/XX/XXXX They had accounting issues on their end which offset my balance. Two people contacted me, as well as sent e-mails and letter saying I did not pay on my account ( which I did, and those reps ended up finding those payments and then adding to the confusion by saying I missed another months payment, which I then had to clear again as well ). I provided proof of payments multiple times. I have even paid more than the amount due most months, so my balance makes no sense to me. I have been requesting a detailed payment history be sent via mail to e-mail to me, and no one has done so. I believe my balance is wrong or I would have been contacted at least by phone. Now, these " missed '' payments have hit my credit report eve though I warned them of that as well. I have almost every e-mail or message I 've sent them, on top of the proof of payments I 've also had to send in more than once. I really ca n't have this. I can provide more documents to prove I 've been reaching out, please just let me know if you need me to get more. They typically respond with a generic e-mail.
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe that this limitation has been imposed in error, and I would like to formally appeal this decision. 

First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines diligently. I am confident that I have not engaged in any activities that would warrant such a severe action as a permanent account limitation. I have been a loyal PayPal user for a substantial period, and my intention has always been to use the platform responsibly and within the bounds of your policies. 

I kindly request that PayPal conduct a thorough re-investigation of my case to rectify any misunderstandings or errors that may have led to this account limitation. I believe that upon further review, it will become evident that my account deserves to be restored. 

I understand that PayPal takes matters of security and compliance seriously, and I appreciate your commitment to maintaining a safe and secure platform for all users. However, I firmly believe that there has been a misunderstanding in my case, and I am eager to cooperate fully in order to resolve this matter. 

I kindly ask for your prompt attention to this appeal and the reinstatement of my PayPal account. I am confident that a re-evaluation of my account activity will confirm that I am a responsible and compliant user of your platform. 

Thank you for your consideration, and I look forward to a favorable resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (GA)

I am requesting that World Finance report new corrected information to update my credit file to XXXX for account # XXXX. I have submitted a direct dispute multiple times between XX/XX/ and XX/XX/ and XXXX has listed someone named XXXX XXXX from World Finance Corp as stating the current information is accurate and it is not. This account was sold and removed from XXXX and XXXX as of XXXX but XXXX is waiting for the updated information from World Finance Corp in order to remove the World Finance account accordingly. I am attaching verification documents for the Compliance department to get the correct information reported to XXXX. All XXXX report are attach as well showing the discrepancies and failure to report accurate information to XXXX. There are XXXX active complaints in progress for XXXX XXXX with CFPB as well as XXXX as I have not been able to get this issue resolved through the company. I AM REQUESTING THAT WORLD CONTACT XXXX AND REMOVE ACCOUNT AS IT HAS REMOVED IT FROM XXXX AND XXXX in the past couple weeks. All my direct disputes through XXXX have been unresolved as XXXX is stating and I quote " World Finance is stating information on XXXX report is accurate '' XXXX XXXX listed as contact for World Finance Corp. XXXX XXXX and XXXX XXXX 
XXXX no last names or ID # available when requested, are the supervisors I have contacted by phone at Worl Acceptance Corp and XXXX XXXX stated the issue was escalated to the Compliance department over a week ago, still no correction to the XXXX credit bureau. This is causing harm to me as I am XXXX & currently homeless living with others and my scores affect me getting housing. World Finance and XXXX have knowledge of the incorrect reporting and have yet to correct their incorrect reporting. 
Desired settlement : Correction to a credit report ; Billing adjustment
Consumer complaint received 2023-10-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I am a XXXX XXXX XXXX  Veteran as determined by the VA I have a home loan now with Penny Mac The name of the loan is in my name and my wive 's name. 

I requested to have to have the loan transferred to our revocable living Trust.

Penny Mac requested documentation to consider and allow for the transfer to our trust. 
We provided all the documents and evidence they requested. 

They stated they would be sending us a written confirmation in the mail within XXXX business days. 
They have not sent that written confirmation. 
We have been requesting ever since. 
We have made more than XXXX requests- all have been evasive and they will not confirm Because the lender ( Penny Mac ) won't send us the written confirmation that we can transfer our loan to our revocable trust, we can not complete our estate planning and they are costing us a lot of money with attorneys In the event something serious happens to myself or my wife, Penny Mac will be putting our loan and estate in chaos and probate, which could cost us years and tens of thousands of dollars All we want is for Penny Mac to do as they promised. And do what they required We have fulfilled all requirements from Penny Mac My name is XXXX XXXX. 
My Account Number with XXXX XXXX is XXXX I am XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. 
Penny Mac is wearing me out and I can not handle the stress of them ignoring me Penny Mac has a power of attorney auththorization allowing them to speak directly with my son, XXXX XXXX. I would prefer they speak with him from now on. It is too much stress on me to have Penny Mac ignore me and continue stall tactics. My son, XXXX XXXX, can be reached at ( XXXX ) XXXX
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I suddenly lost access to my HSBC US account in late XX/XX/. The error message displayed was " User suspended, '' instructing me to contact customer service for assistance. Consequently, I immediately reached out to HSBC US and was informed that my account was under review, with a request to patiently wait. No specific reasons were given, just an instruction to wait. I am well aware that my actions have not violated any rules or regulations, and all the funds in question have a legitimate and transparent source. They are all my own funds. 

After approximately a week, I inquired with HSBC US again, and they still did not provide any reasons, citing that it was confidential and asking me to continue waiting. During this time, I repeatedly contacted HSBC US, but I received no clear information or resolution. My account remained inaccessible, and my funds were trapped, leaving me unable to use them.Due to having some funds in HSBC US and an urgent need to make a credit card payment to HSBC US, the account lockdown has rendered me unable to process the payment. This has almost led to a late payment and the potential for a negative impact on my credit score, which is causing me significant distress.

I feel that HSBC US is unfairly discriminating against XXXX customers, locking the account without any justification. It has now been nearly XXXX months, and I have reached the limits of my patience. I am requesting assistance in resolving this issue.
Consumer complaint received 2023-04-17
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (KY)

This debt is an old debt that is over 7 years of age. The creditor MIdland Credit Management is trying to collect a debt that has been written off. This debt was incurred during the XXXX  or so time period. Therefore i want it removed from my credit bureau reports ASAP. The amount of the debt is XXXX XXXX  XXXX XXXX not 100 % sure who the original creditor is honestly.
Consumer complaint received 2023-11-07
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX ; Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Account : XXXXXXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2023-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: BROKER SOLUTIONS, INC. (GA)

I am reaching out to express my concerns and file a formal complaint against New American Funding concerning the non-refund of {$1700.00}. These were upfront fees charged for mortgage services that, unfortunately, were not provided. 

On XX/XX/XXXX XXXX my spouse and I collaborated with XXXX XXXX, a direct mortgage broker. We were informed that an upfront payment of {$1700.00} was necessary, which was explained as fees for a rate lock and buy down. We were under the impression that these charges would cater to the expenses related to our property 's mortgage loan. 

Regrettably, New American Funding did not meet the expectations set. Despite our payment, the promised mortgage services were not delivered. We were introduced to New American Funding as the preferred Mortgage Broker by the Builder, who had promised a {$2000.00} allowance towards closing costs. We trusted their advice and made a payment close to {$2000.00}. They emphasized the volatile mortgage rate environment and suggested a XXXX lock/buy down as a protective measure. However, when we noticed decreasing rates and tried to contact XXXX XXXX, our efforts were met with silence. When we finally reached him and inquired about a rate reduction, we were presented with a policy that was not previously disclosed to us. 

Fortunately, we found an alternative Mortgage Broker who offered a significantly lower rate without any upfront fees. We believe that New American Funding 's retention of the {$1700.00}, without providing the agreed-upon services, is both unjust and unethical. Their actions have caused us financial distress and significant inconvenience. 

OCGA Laws or Statutes Violated : In Georgia, mortgage brokers are governed by the Georgia Residential Mortgage Act ( GRMA ). The specific statutes that might be relevant to this situation include : O.C.G.A. 7-1-1000 : This section pertains to the licensing requirements for mortgage lenders and brokers.

O.C.G.A. 7-1-1002 : This section deals with prohibited acts and practices, which might include misleading consumers or failing to provide services after charging fees. 

O.C.G.A. 7-1-1013 : This section relates to the duties and obligations of mortgage brokers, which might be relevant if there was a breach of duty or obligation.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove from credit. I do not owe a balance. Ive never received a disbursement from the school. Please remove from credit. I dropped all classes once I realized they were trying to get me to take out a loan.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting unvalidated information on my credit report, they are using third party information and not performing a full investigation, and have not been informative on who they spoke to at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  list them as an inactive company since XXXX so who did they speak to in order to validate them as original creditor, name, position at the company and contact information was not provided because they did not validate with a full investigation, TransUnion is taking false information from a third part debt collector who is in dishonor in commerce for still not replying to my affidavit of truth and still has not supplied a lawful contract
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

PLEASE HELP ME WITH THOSE ACCOUNTS AND WITH THOSE INQUIRIES XXXX XXXX  XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was sent a letter from XXXX saying there was a breach and my personal information was leaked when I checked my credit report there was accounts and inquiries that didn't belong to me I filled a report with th ftc as advised
Consumer complaint received 2017-12-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Consumer Real Estate Finance Co. (AL)

Hello my name is XXXX XXXX XXXX XXXX. We were told we got a pre approval to purchase a home through Consumer Real Estate Finance Company ( CREFCO ). We had some concerns regarding a previous property that was included in a chapter XXXX bankruptcy and foreclosed upon. We wanted to make sure that this was not going to be an issue before we put an offer in on a home. We received an email back from XXXX XXXX a loan officer with CREFCO on Tuesday XX/XX/XXXX the read " Because the home that went through foreclosure was included in bankruptcy. we should not have any issues through underwriting ... '' After puttiing an offer in on a home and investing {$500.00} earnest money down, paying for a home inspection at the cost of {$300.00}, and FHA inspection at the cost of {$540.00}. and a re-inspection of {$170.00} for a total of {$1500.00} we are told that we can not get a clear to close because the foreclosure date that the title was transferred out of my name was XX/XX/XXXX. As this company claims to be FHA financing experts they should have known when asked before I invested any money that there would be issues. We asked and counted on their professional opinion that has now cost me XXXX and we can not get the home because of the exact issue we asked about up front. They should be held responsible for negligence and ethics violations.
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC (TN)

Hey my name is XXXX XXXX and I got three letters in the mail today saying I owe debt to XXXX XXXX XXXX and I work there I need to talk to somebody to see whats going on
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

these accounts in the attachments that i am disputing do not belong to me. they are caused by identity theft/fraud. you all are breaking the law per 15 usc 1681b. I did not authorize you all to furnish any information let alone WRONG INFORMATION AT THAT!
Consumer complaint received 2023-05-05
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. (GA)

The following Hard Inquiries are not mine, or were they authorized by me. They were done fraudulently by someone else, they are also not attached to any open accounts of mine and I would like them to be removed according to the fair credit act. 
XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired XXXX XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.