davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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 (AR)

Purchased card on XX/XX/23. Card has the amount on it. I can see that the amount is on card and that the card is active. According to customer service " just keep trying to use it until it works somewhere ''. I called American Express gift card customer service and they said they are " protecting my funds '' and " use it at XXXX ''. I tried XXXX XXXX and in person, XXXXXXXX XXXX XXXX, gas stations, XXXX XXXXXXXX XXXX XXXX XXXX XXXX my doctors office ect ect no matter what the " security parameters '' will not let you use your gift card ANYWHERE FOR ANY AMOUNT. However, it will let XXXX cents come off everytime I try to process it somewhere.
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MN)

on XX/XX/13 I initiated a transfer of {$30.00} dollars. Two days later a {$30.00} charge was issued to my bank account, followed by a second {$30.00} charge. I was told the initial charge was due to a failure of funds. It is suspicious that they were able to claim a {$30.00} charge for lack of funds that was able to clear, and then claim a second {$30.00} charge for the original transaction. This behavior feels predatory and unethical.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc (GA)

XX/XX/23 - BRIGHTMONEY took {$89.00} from my account I reached out to the company expressing this is my rent money they have taken they didnt care, advised me that is there usual procedure- I advised I didnt sign up for this account!! Ive emailed the company no response.
Consumer complaint received 2023-12-28
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Property was sold — 
Company: OneMain Finance Corporation (GA)

i entered in an installment loan with ONEMAIN on XX/XX/XXXX. I defaulted on the agreement, the XXXX XXXX XXXX was reposessed and sold at auction. which i didnt recieve any form of notification of where the auction occured nor date or time. which law states that the person who items of reposession should be be issued this info post auction.
Consumer complaint received 2023-12-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (MD)

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation.

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-04-14
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. (FL)

Equifax, XXXX and XXXX are in violation of FCRA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-12-28
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)

I received an electronic American Express gift card from a client on XX/XX/23 via email with a balance of {$400.00}. I attempted to use the gift card at a multitude of merchants ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) and the card was declined. I contacted AmEx customer service on XX/XX/23, XX/XX/23 and XX/XX/23 and was told each time that there was a security block due to the amount of times I attempted to use the card. I was asked to attempt to use the card at a different merchant, as the card was shown in their system as ready to use. The card was subsequently declined at several other merchants and AmEx refused to replace the gift card. They also refused to admit there were any issues on their side preventing the card from being used.
Consumer complaint received 2018-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

XXXX XXXX was the servicer we had been using after refied after my husband died in XXXX we refinxed in XXXX bc we had a bother gentlemen helping us it was a XXXX XXXX loan or is its currently interest rate is 5.3 I am s XXXX  by trade and I quit at our local XXXX in XX/XX/XXXX losing my husband there and having one dr be In all the time wax just getting too much plus we had this other gentleman helping us out I worked for short time w w XXXX XXXX XXXX when we banked w XXXX XXXX XXXX XXXX I was under age to withdraw from my husbands ira I asked them to withdraw correct taves they did not but wouldnt accept responbiliy as a result I was hit w a XXXX back tax for XXXX and XXXX in XXXX thd othrt gentleman got w tax lawyer to get us deemed uncollectabled the lien falls off in XXXX. We here explored Bank ruptcy not an option whrb this gentleman was alive he helped a great deal he find me two families at his parish they paid in one one died a month after him we domt speak to family or community. When the other client let me know they wanted to go in a different direction my daughter called XXXX XXXX and they put us on a forebearance then it was a stretch then but we did it w a neighbor help in XXXX of XXXX we did w loan mod which right before Irma we recieved a letter stating they hat forgeton to inform us our property taxes and insurance were being raised to XXXX before my Daughert could call we found out that we were being transferred to Specialized loan serviving what a nightmwr said we were delinquent with XXXX XXXX in fact we were not, this comoagy is not good keeps taking on double paykrkts I even feel recently hud informed me that the loan had a 42 month term I know its not that long I did not trust this specialized nor did my daughter we made a oartial payments them in XXXX of XXXX but with my daughter being sick I couldnt afford to have the funds sent to that company. The dates they swear they have their forebearance is wrong it ran out in XXXX we have tried everything bc of the non currency abs tax lien Many companies have turned us down cant sell XXXX now even tried hardest hit. No foreclosure notice we would love to stay in the home into the tax lien falls off ecery time you call sls their story changes, is like to know my home is secured. We have had companies tell us they could help one was mlg not Florida another so we have explored bankruptcy not right at this point if love to be able to keep the home but refi is probably out of question.just want our home rescued from this scam completely please help us we also were targeted by synergy law didht pay then any thing
Consumer complaint received 2023-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have been banking with my bank for years, suddenly I was a victim in identity theft and my bank decided to XXXX suddenly close my acount after numerous attempts of fraudulent attempts to deposited money into my account. Direct deposits where linked to said account and now I'm missing XXXX separate checks and have been told it takes XXXX XXXX business days but it's been almost a full month now. I have now accumulated late fees on bills I'm behind on, I have reached my limit to a credit card I have, I have borrowed money from family. It's ridiculous how long I needed to wait and how long they are taking.
Consumer complaint received 2023-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

Paypal permanently closed my account they did not tell me why which is fine but when they closed my account there was a dispute on a payment I received in the amount of {$100.00} and eventually it went in my favor with the funds being reversed back to to the paypal account now when I tried to withdraw my funds PayPal said they are going to hold my funds for XXXX  days for " loss prevention ''. That is unacceptable they can't just steal my money I want it back they closed my account there should be no reason they have to hold on to my money
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

Transworld systems inc, XXXX XXXX. This account is not mine, I have successfully disputed before but they just keep changing the company used to report the debt and try to collect on SOMETHING THAT ISNT EVEN MINE!!!! I have zero absolutely zero to do with this account Ive asked for proof Ive asked and asked nothing, growing very upset.
Consumer complaint received 2023-12-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (SC)

I contacted the company and let them Im the registered owner of the certificated security and the amounts due is owed to me and that I dont allow them to collect anything on my behalf and they need to send the information back to XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

Hard inquiry attempted for JMP Chase credit in my name. No credit or credit card issued at this time. I contacted Chase and notified them that I did not apply for new Credit with Chase. Below is the information regarding the hard inquiry not requested by myself. 

JPMCB CARD SERVICES made a Bank / Credit Card Inquiry by checking your XXXX Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for XXXX  months. 

Source : XXXX XXXX : JPMCB CARD SERVICES Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2018-11-14
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. (CA)

I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit report provided by XXXX on XX/XX/2018 confirmation # XXXX, and credit reports from Experian & XXXX dated XX/XX/2018, ( creditchecktotal ) the account, XXXX XXXX  is still being reported inaccurately XXXX How can you report that the item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, nor is there an account balance being reported according to XXXX confirmation # XXXX. According to report dated XXXX2018, XXXX is reporting me with a " XXXX '' balance on XXXX XXXX, '' however, XXXX & Experian are reporting me with a {$230000.00} balance. If the CRA 's have properly investigated the accuracy of this account then why are all 3 credit bureaus reporting all different payment histories, different balances if they actually verified the accuracy of the account as requested multiple times? 
The CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore delete this account.
Consumer complaint received 2023-09-27
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: Resurgent Capital Services L.P. (NY)

Ever since XXXX  I have had this account on my credit and I am asking for your help XXXX. 
Lv funding has been another account I don't recognize an they will not take this off of my credit
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (MN)

Not only did the debt collector call my mother, she also contacted my fiancs mother ( not even sure how she got her contact information ) regarding my debt. They both reached out to me regarding the call from XXXX about a debt I owe to XXXX ( Comenity Bank )
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit report provided by XXXX  on XX/XX/2018 confirmation # XXXX, and credit reports from XXXX & Transunion dated XX/XX/2018, ( creditchecktotal ) the account, XXXX XXXX  is still being reported inaccurately . How can you report that the item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, nor is there an account balance being reported according to XXXX confirmation # XXXX. According to report dated XXXX2018, XXXX is reporting me with a " XXXX '' balance on XXXX XXXX, '' however, Transunion & XXXX are reporting me with a {$230000.00} balance. If the CRA 's have properly investigated the accuracy of this account then why are all 3 credit bureaus reporting all different payment histories, different balances if they actually verified the accuracy of the account as requested multiple times? 
The CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore delete this account.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Kohls credit card was converted over to a XXXX card that I did not approve or request. This was done by Capital One and I know these banks are trying to save their tails by issuing this XXXX card down our throats. We have a right to choose this not forced. I have to pre approve it. Im angry they did this. They arrogantly said I couldnt do anything about it and for me to open another Kohls credit card if I want. I have a balance on my Kohls card and now have to open another Kohls card? Why?
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I the consumer have the right to make sure my private information is not shared which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic information. '' These credit reporting agencies are in violation of the Privacy Act of 1974 which states that, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments on my credit report. 

These credit reporting agencies are reporting information regarding my payment history without my consent. I have not authorized them to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to this agency to furnish my payment history. The history of my payments is not supposed to be included on my credit report without my consent and authorization.

I am exercising my right to opt out of your reporting services per 12 CFR 1016.7 that states " A consumer may exercise the right to opt out at any time. '' ( Furnisher of information to credit agencies ) The financial institutions and Consumer Reporting agencies XXXXXXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent, whether it be verbal, non-verbal, written, implied or otherwise is revoked from XXXX, Experian, and XXXX.
Consumer complaint received 2018-11-14
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. (CA)

I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit reports provided by the Experian, XXXX and XXXX, account, XXXX/XXXX XXXX is still being reported inaccurately and was never properly verified or investigated. Per Experian report dated XX/XX/2018, payment status reported me as current, was past due 150 days. Then on credit report dated XX/XX/2018 after requesting a proper investigation to verify accuracy of account, they report, again that I was current, was past due 150 days. Then on XX/XX/2018, Experian reports, I am current, was past due 180 days. Which one is it? How they report that an item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, on ( 3 ) separate months? Nor is there an account balance being reported according to Equifax. These CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore I request deletion of this account. Please see attached proof of the data being provided by these CRA 's that are NOT accurate!
Consumer complaint received 2023-12-28
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRANSWORLD SYSTEMS INC (CA)

My phone number that I have had for 30 years or more, getting calls from debit collectors of someone by name of XXXX XXXX. I dont owe anyone one money and whom I owe I been sending properly. 
XXXX XXXX is using my number and i am being hunted for her. 
This need to stop. I am old woman and I cant deal with this.