davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (NY)

I am the victim of a phishing scam, which began on Friday, XX/XX/2023. I was led fraudulently to believe that I owed a merchant money but that I could repay the debt by purchasing American Express and XXXX gift cards. I realized that I was being scammed a day or so later. I tried unsuccessfully to block the use of the XXXX gift cards, but they had already been redeemed. I called American Express and successfully blocked access to XXXX gift cards worth a total of {$1400.00}. Realizing the next day that the scammers possession to all the pertinent numbers to all of the cards made them susceptible to his unblocking them, I called American Express again and requested replacement gift cards. A phone agent asked me to provide the serial number on the back of each of the cards in my possession ; I did so orally with him. He provided me an email address, XXXX, and a case number ( XXXX ), instructing me to send an email to this email address and to attach a pdf copy of the front and back of my drivers license. He did not ask for any additional information. He advised me that because of the number of cards I was asking to have replaced, the resolution of my case could take up to 30 days, a point stated in the acknowledgment email. When I called XXXX ( XXXX XXXX XXXX ) a little more than two weeks later for an update on my case, I was told that it remained unresolved. 

On Friday, XX/XX/XXXX, I called XXXX to learn how or whether my case had been resolved. I gave the agent my case number and number. After putting me on hold, the agent returned to the call and repeated the request of the agent who had opened my case 31 days before and taken my information : would I please email a pdf copy of the front and back of my drivers license. I told him I had already done so a month before. I asked to speak to someone in charge at American Express ; he transferred me to his supervisor, who required five attempts to take my name, address, phone number and email address. Finally, she said I would need to send copies of the front and back of all of the compromised cards in question plus the receipts. I asked ( rhetorically, in fact ) why I was being asked for this information now, at this point of the resolution process. Accepting as evident what I had suspected all along, especially given other consumers online comment about deceptive and fraudulent practices at American Express that my case was not being handled in good faith I terminated the call. American Express is attempting to take the place of the original phishing scammer, seeking to keep the {$1400.00} I had spent on American Express gift cards.
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (PA)

On XX/XX/XXXX, I requested information from Freedom Mortgage regarding the criteria and information needed to cancel the escrow account on my mortgage. I recently had a XXXX to remove PMI that put the XXXX of the loan below 80 %. When I received the requested information from their Customer Care representatives, multiple times I was told that the XXXX of my loan was now below 80 %, that I met all criteria to cancel escrow on my account, and multiple reps confirmed that if I requested removal of escrow, it would be successful. 

I then spent significant time gathering the requested information and completing the forms to request cancellation of escrow based on the information provided to me by Freedom Mortgage representatives and submitted the request in XX/XX/XXXX. 

On XX/XX/XXXX, I received a document in the mail stating that my request was denied due to XXXX of the loan not meeting the required 80 %. I called the Customer Care center again and was transferred between multiple representatives who did not know how to help before I finally reached a representative who informed me that the XXXX could not be used for consideration of XXXX for removing escrow and that they would only use the purchase price for XXXX calculation. This directly contradicted the information provided to me by multiple representatives on previous calls and led to significant wasted time by me calling in, waiting on hold, and filling out forms all based on incorrect information provided to me by Freedom Mortgage.
Consumer complaint received 2018-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (TX)

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under 1st Financial Investment Fund. I requested a validation on XX/XX/2018 as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was still on my credit profile and did not reflect a disputed status. Therefore on XX/XX/2018 I sent a direct dispute to XXXX requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2023, I have opened a new Bank of America business checking account through a promotion link in the special offers and deals section of my accounts dashboard ( when logged in ). Based on my notes, the promotion code in the application was automatically populated as XXXX. 

The terms of the offer were that I would receive {$1000.00} bonus when I open a new business checking account and complete the following requirements : - Make Qualifying Deposits of {$30000.00} or more in new money within 30 days of opening the new business checking account - Maintain an average balance of {$30000.00} or more for next 60 days ( day XXXX ) during the maintenance period I've made the deposit of {$30000.00} on XX/XX/2023 and have maintained this balance through XX/XX/2023. I have met the terms of the offer, but have not received the {$1000.00} bonus as advertised for meeting the requirements.
Consumer complaint received 2024-01-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (MD)

I am seeking assistance for a rather distressing situation that has arisen due to my unfortunate connection with the platform known as Kikoff. To put it bluntly, my experience with Kikoff has been nothing short of troublesome, and I am now in dire need of aid to rectify the issue at hand. Specifically, I am desperately trying to remove my personal information from their database, as it has come to my attention that my sensitive data is being mishandled and has potentially fallen into the wrong hands.

In my earnest pursuit of a resolution, I have already reached out to the Kikoff team and expressed my deep concerns about the security breach that has occurred. I implored them to take immediate action and rectify the situation by erasing my personal information from their records. Regrettably, my pleas seemed to have fallen on deaf ears, as they continued to negligently report negative information about me to credit agencies. This disheartening turn of events has had a profoundly detrimental effect on my credit score, leaving me in a state of considerable financial distress.

Given the gravity of the situation, I find myself in a position where I am left with no other choice but to seek external assistance. It is my sincere hope that someone can guide me through the necessary steps to ensure the removal of my name and personal details from Kikoff 's database. This action is not only crucial to safeguarding my personal information but also instrumental in rectifying the damage done to my credit history.

In conclusion, I humbly beseech anyone reading this message to extend a helping hand in resolving this distressing matter. Any guidance or support provided will be immensely appreciated, as it holds the potential to alleviate the significant burden I am currently facing. Thank you for taking the time to read this plea, and I earnestly hope that a solution can
Consumer complaint received 2018-08-08
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. (NY)

Experian claims to have verified a public record that was placed on my credit report. I requested a description of the procedures used to verify this public record and they did not provide it. I sent them a certified letter on XX/XX/2018. On XX/XX/2018 I received a letter from them telling me this public record was verified, but they refused to tell me how they verified it. I sent an email to the CEO of Experian XXXX XXXX on XX/XX/2018. XXXX XXXX did not get back to me regarding this public record. I contacted the Bankruptcy Court located in XXXX, NJ and the courtroom deputy XXXX XXXX told me the court does not give information to credit bureaus or 3rd party organizations. They still refused to remove this item from my credit report without properly verifying it.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My personal information has been used XXXX I found 18 Hard Inquire In one year 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 on XXXX TransUnion hard inquiries 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not aware that this was happening until recently I have a XXXX XXXX account from XXXX XXXX for {$2200.00} that I 'm working on trying to get off my credit as we speak I did a father account did a police report TransUnion game medical XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX I 'm just now at XXXX trying to get my credit together together and and I also would have some to update my personal information some addresses if you can just give me a call at XXXX XXXX XXXX XXXX XXXX birthday XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-01-19
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. (MI)

[ Amended complaint ] On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that XXXX piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by Equifax, XXXX, and XXXX, XXXX failing to review all relevant information provided by Equifax, XXXX, and XXXX, XXXX respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXX 's assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with XXXX, Equifax, and XXXX. While XXXX may insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ). XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing XXXX in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; Facially False Data 87 FR 64689 ( XX/XX/XXXX ) referencing 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 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

The CITI BANK provides the Citi Merchant Offer. On this offer at XXXX, it shows spend XXXX and get XXXX dollars back. I did that on 2 of my credit cards on XX/XX/year>, which was before the expiation date XX/XX/XXXX, but I did not get the credits correctly. 

I called the customer service in XXXX, but the agent said he could not see the offer and denied my request. I have no other options but to complain here.
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

JEFFERSON CAPITAL SYSTEMS has reported a collection account to XXXX without my expressed written consent pursuant to 15 USC 1692c ( b ). This is fraud. It is also a direct violation of 15 USC 1692e - False or Misleading Representations under 15 USC 1692e ( 8 ) because credit information that is known to be false is being communicated to consumer reporting agencies. This company violates 15 USC 1692g - Validation of Debts, as well for the reason that I was never never sent a written notice to dispute the debt.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

We initiated the mortgage loan process the first week of XX/XX/XXXX with Fifth Third Bank. Based on our credit score ( XXXX & above ) for both of us, the bank offered us 4.5 % at that time. 

On XX/XX/XXXX, we were given a written letter from the bank with a locked in interest rate of 4.500 %, with an expiration date of XX/XX/XXXX. We decided to proceed with this loan and confirmed with the seller of  closing date of XX/XX/XXXX. 

Everything was going smooth until we got the CD ( closing disclosure ) from Fifth third bank on XX/XX/XXXX ( 3 days before closing ), were they changed the promised interest rate from 4.500 % to 5.25 %. This was not communicated with us verbally or in writing prior to that date and was a surprise to us. We inquired about this with the bank and did not get a satisfactory answer. The bank put us in a very difficult situation 3 days prior to our scheduled & confirmed closing. 

Being that we are first time home buyers and after investing so much money, time and effort into this loan process we could not afford to back out from this at the last minute. We had already incurred many cost and paid deposit money to seller, application fee, inspection fee, appraisal fee, and all initial expense including the insurance. 

Prior to closing date, we were told by Fifth Third Bank that we did not need to take any money to closing as we were eligible for some discount from the bank and get a refund check ( evidenced by an email sent by them to us ). This was also included in the CD ( closing disclosure ) sent out by the bank. When we reached the closing attorney 's office on closing date on XX/XX/XXXX, we were asked to pay {$1200.00} as closing charge which was never communicated to us verbally or in writing by the bank. We had no other choice and was rather in a bind and were forced to come up with the money 1 hour prior to closing time. 

At the attorney 's office, we saw that all the documents had new interest rate. The documents were pre-dated, which were not clearly addressed/informed to us until 1 hour prior to the closing. We only received the updated closing document via email one and a hour prior to the closing time. 

Also Fifth Third Bank initially told us that there was a 0.25 % discount on interest rate if we set up Fifth Third Bank checkings/savings account. Believing everything that they said- we did open the account. Unfortunately with the new rate ( which we were not aware of ), reflected a 0.25 % discount applied to it. We found that out when the attorney 's office called the bank during closing ( as we were signing documents ). 

We feel cheated and forced into closing with the rate not disclosed to us and also forced us to pay over {$1200.00} which was never communicated to us verbally or in writing until few hours before the closing. The bank was clearly taking the advantage of us being novice home buyers and exploiting our situation.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (AR)

I have 3 Student loans for XXXX on my student aid account listed as being serviced by XXXXXXXXACS from XXXX that still show me as " In School '' and " Grace period '' I submitted a complaint ( feedback case # XXXX ) on XX/XX/XXXX when I discovered the issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX and do not even remember having ACS or XXXX as a servicer. I can not contact XXXXACS as they no longer exist. I have since discovered XXXX/ACS  mismanaged student loans and was fired/sued by Department of education. If these loans were valid they should have been included in my direct consolidation completed XX/XX/XXXX. They were never listed on my credit report and I was never contacted to make payments on them to my recollection. Furthermore I have 2 more loans from my XXXX XXXX  which were included on my consolidation loan ( XX/XX/XXXX ) however they are listed as 1/2 of each loan was cancelled. I believe the entire loan was cancelled as this was probably the point XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX and XXXX XXXX XXXX. I do not think those loans are correct. I do not think my consolidation was done correctly at all and my loans related to XXXX were mismanaged. I have contacted both general student aid hotline, chat, and student aid ombudsmen. They indicated this was being investigated by my current servicer ( XXXX XXXX ) and had no answers except it may take a long time ( so wait ) and they would do nothing as it is an XXXX XXXX problem. I contacted XXXX XXXX also. XXXX XXXX indicates they do not do anything related to consolidations and this is a student aid/Dept of education problem. XXXX XXXX further indicates they are not investigating this issue, all amounts on my account are as the dept of education has directed them. 

see attached " XXXX XXXX XXXX '' for loan numbers, servicers, amounts, dates, statuses, etc.