davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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 (WI)

I received an American Express e-gift card from my employer on XX/XX/year> as a gift for my hard work with a generous balance of {$500.00}. After receiving the gift card I attempted to use a portion of the balance on a insurance payment. The card repeatedly declined so I decided to call the American Express customer support. The customer service representative informed me that I can not use the card for any " monthly payment '' type expenses and that the card is to be used to make purchases only. The support person told me I could use it to shop anywhere in store or online with it. So while I was on the phone I attempted to make an purchase online and the card was declined again. I asked the support rep why this was happening and if was entering billing information incorrectly ( I was filling it in with my personal information ) and she told me that " any store that asks for billing information will not be a store I can use the card at because the card is anonymous and can not be linked to billing information. '' The problem with this is that ALL STORES online ask for billing information these days and it is a requirement. If this was a Physical card, it would be easier to swipe at local stores and gas stations but with an e-gift card it is not possible to do that and billing information needs to be entered. I asked the support rep is there was a list of stores where this card would work since they advertise that the card is accepted and for use everywhere which is clear not true. The support rep told me there is not a list of stores and that I should just keep trying to use the card until I find a store that will accept it. I am very frustrated, after talking to the rep and receiving nearly no-assistance AND learning that their advertising of this card is completely false- I attempted to use the card to try to make a purchase at XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Purchase portal and ALL were declined. Additionally, Amex advertises that you can add the gift card to you apple wallet to make purchases that way and so I tried to add this gift card to my wallet and it rejects adding it every time. They also say you can use it to make purchases in store but I asked my local grocery store and gas station if they would accept an e-gift card and type it in and both said they could not do so. As far as I am concerned, American Express needs to make this right by providing me the {$500.00} I earned. Failure to do so in my eyes is proof that the company is committing fraud, and I am probably not the only victim to this e-gift card scheme.
Consumer complaint received 2023-03-09
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)

This is my several requests 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (SC)

afternoon im writing you guys to stop all communication with me and my references as i told you guys before im in a judgement with a government credit card so they are taking as much as the law allows so after rent i have nothing but to have food they took my tax refund and everything so i cant pay anything however everytime i have extra i pay idk how long its gon na be but i take full responsibility but i cant not make payments and not be homeless so you get picture
Consumer complaint received 2023-08-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (FL)

Halsted Financial Services has contacted my number on three separate occasions without my explicit consent, and I have not engaged in any business dealings with this company. On XX/XX/year>, I formally requested that they cease and desist from further communication.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Upgrade, Inc. (WA)

This company Upgrade has a checking account that I utilized for my direct deposits. I had 2 returned deposits ( checks written to me from other people ) which put my account in a suspended status. My account remained in this status for well over a week. While on suspended status, Upgrade continued to accept deposits into my account, including my Social Security XXXX Payment. I notified Upgrade that they were withholding my Social Security funds from me and that under the law, they could not rightfully do so. Their response was to say that the law does not apply to them and that the deposit agreement I signed enabled them to take the action to suspend my account. I requested ( actually demanded immediate account closure ) XXXX XX/XX/2024 by sending the Social Security Administration my money back. They then sent me a form to have the remaining funds transferred to my account at another financial institution. I sent the form back, signed and completed within 10 minutes of receipt. When I followed up on it, they told me that their " processes '' take 7 to 10 business days to move my funds. When I asked to explain why I was given no explanation and then they proceeded to make it more difficult to contact them by adding my phone number to a " block/DNA '' queue which simply says " Welcome to Upgrade, your call is recorded, Please hold '' and then you are placed on " Terminal Hold '' until you simply choose to hang up. Upgrade has purposefully been blocking access to my funds and then because I had the audacity to follow up, they took and and all steps available to delay the transfer of my funds.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX formally known as XXXX XXXXXXXX XXXX XXXX XXXX failed to investigate my goodwill request to remove delinquent and late payments they reported to the three major credit bureaus. XXXX XXXX XXXX is reporting a total of 19 late payments dating from years XXXX, XXXX, and XXXX. Some of these late payments were during a covered period due to XXXX. According to 15 U.S Code 1681i- Procedure in case of disputed accuracy, these late payments should not be reported. The company was made aware of my medical condition and unemployment status due to XXXX. The company is violating my rights as a consumer and denying my request for these late payments to be removed from my credit report.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NH)

Bought a fridge from Home Depot - interest rate on their card is 25 % - Yesterday XXXX - got letter from Citi-Bank - raising their interest rate to 27.34 % on purchases. One can opt out and they will cancel your card. These interest rates are XXXX!!!! News just said late fees will be capped at {$8.00} and the response from the companies is that they will have to raise interest rates. Interest rates should be capped at no more than 15 %. People that offer the cards pay 3 % so their customers can use them. Somebody - you? has got to do something to cap credit card interest rates so people can use them and pay for what they buy at a reasonable rate. Thanks for listening!
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Union Bank has blocked use of my VISA credit card # XXXX, for well over a year. 
Although Union Bank may have a right to close a credit card, they do not have a right to damage me by forcing me to have an open credit card with a valid credit limit, but not let me use it. This damages me as I can not apply for other business credit cards, as the credit bureaus are reporting that I have this credit card open. It is also a burden on me to have to watch incoming statements for this card. 
I have made roughly 30 requests that this card be either opened or closed, however Union Bank has ignored all of them.

This includes an in branch visit to a Union Bank branch. 
After many, many calls, over many months, I was referred to XXXX at XXXX XXXX XXXX XXXX. 
After roughly 15 messages XXXX responded zero ( 0 ) times. 
Aside from this problem, I have had a very good relationship with Union Bank, both with credit cards and bank accounts for many years. I bear them no ill will. 
Accordingly, if they remove the block on my account, I will consider this as an unfortunate mistake, committed in good faith, and I will withdraw my CFPB complaint and I will not pursue legal action. 
However, if Union Bank continues to stonewall me, then I will continue with this complaint and with appropriate legal action to seek reimbursement for my damages, including punitive damages for intentional wrongful acts by Union Bank. 
If, by their future actions, Union Bank shows that are acting in bad faith, I would suggest that the CFPB, under threat of litigation, require 1 ) a written statement confirming either that blocking a customer 's account for ~ 2 years with no explanation was not their policy, and committing to a specific plan to properly train the employees ( like XXXX ) who handle these matters, or 2 ) a statement that it was their policy and a written plan to change that policy and to train their relevant employees on the new policy. 
Please feel free to contact me if I can be off further assistance. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ACIMA CREDIT, LLC (NY)

My Identity was stolen! I got a police report I noticed a company named Acima was on my credit report twice! Once for the amount of XXXX and another for XXXX this is Fraud not my charges!!! We have been going back and forward for months I'm preparing for court this it not right and this company needs to be held responsible for there actions!!!
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX i made a purchase a product from ebay for {$340.00} with my Capital one credit card and only received 1 side of the shoe i purchased. after several attempts to resolve I reached out to my CC company. The company started a claim and sent me a link via email to submit pictures of what I received, receipt, discussions with the seller, all of which i provided. On the XXXX of XXXX I called in and was sent another link as all my pictures were not recieved. gain I submitted. 
However on Friday XX/XX/XXXX I called to follow up on the case to be advised that my case was closed on XX/XX/XXXX. When I asked why I was advised that a letter was sent to me on XX/XX/XXXX to submit a letter from a third party in the same category on the third party 's letter head 'giving reference on how they would solve my issue ''. I advised that I did not get this letter and asked how long does the letter take to get to me. I was told 7-10 business days. From the date of XX/XX/XXXX when the letter was sent the 10th business day is XX/XX/XXXX. My case was closed on XX/XX/XXXX, which means that even if i had gotten this letter the case was closed even before i could send the info in. 
The company is now refusing to correct this issue, when i advised that i was never told i needed this letter by their reps i was advised that none of the reps left any notes. 

Kindly assist with rectifying this and ensuring that the reps of this company correct note what transpired with customers and also provide accurate information to avoid customers from suffering.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

Chex Systems has blocked me from opening new accounts. When I go to the Chex systems website I have found errors and wrong information linked to my account that do not belong to me such as emails and phone numbers. Which bar me from loggin in and getting my username. I have taken screen shots to show and share with my complaint and investigation.
Consumer complaint received 2023-03-31
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. (FL)

I have sent multiple letters to XXXX, TransUnion and XXXX regarding inaccurate and unknown things on my credit report dating back to XX/XX/2022 and none of these items have been resolved. And at this point I feel as if my credit is being taken advantage of or that my disputes are not being acknowledged/ ignored. 

Section 611 ( a ) it is plainly stated stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been well over 60 days, so they should be deleted promptly. I DEMAND these accounts be deleted IMMEDIATELY or I will file litigation do to the stress and mental harm that this has caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I am also a victim of the XXXX XXXX breach. 

I have attempted to resolve this issue for months with the credit bureaus and I have not been able to resolve this issue. CFPB is my last resort and I hope that you are able to assist and put an end to this lengthy process.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.DIVISION IF CHILD SUPPORT : 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 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 2024-03-24
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)

Equifax closed my prior dispute without addressing and correcting the issue. Equifax continues to illegally report a XXXX authorized user account on my credit file after several disputes. Recently, the dispute was escalated and on XX/XX/XXXX, they choose to continue reporting. Authorized users are not legal owners of accounts and should be removed at the consumers request. Equifax continues to illegally report. I've even contacted XXXX to have them discontinue any reporting. XXXX and XXXX have ceased reporting, while Equifax continues. 

I was also told on the phone that Equifax has an internal policy of leaving these particular XXXX authorized user accounts on file to continue to report. This is illegal and I will sue if Equifax does not remove the account from my credit file.
Consumer complaint received 2023-05-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (MD)

On XX/XX/2023, at approximately XXXX, GM Financial repossessed my vehicle using a third-party agent, XXXX XXXX. My vehicle was located on private property not owned by me and the tow truck driver trespassed onto the property without permission to verify the tag of the vehicle from the rear. There was no other way to verify the right vehicle without trespassing. He then backed the tow truck to the beginning of the driveway and extended the tow arm enough to drag the car off of private property and into the street.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, 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. (TX)

I submitted a dispute to the Bureau and they responded with I needed to provide information that they have already reported on the report such as - ACCOUNT NAME, ACCOUNT NUMBER, DATE OPENED, BALANCE-which I provided by attaching the dispute letters that I sent to the Bureau which I provided in the letter. This is the second time that they responded with the same EXCUSE! They have violated the FCRA and my consumer rights. This is nothing more than a STALLING TACTICT by the BUREAU.
Consumer complaint received 2023-03-31
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. (TX)

I submitted a dispute to the Bureau and they responded with I needed to provide information that they have already reported on the report such as - ACCOUNT NAME, ACCOUNT NUMBER, DATE OPENED, BALANCE-which I provided by attaching the dispute letters that I sent to the Bureau which I provided in the letter. This is the second time that they responded with the same EXCUSE! They have violated the FCRA and my consumer rights. This is nothing more than a STALLING TACTICT by the BUREAU.
Consumer complaint received 2023-05-27
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. (GA)

Experian, XXXX, XXXX, are all three-reporting different information on my credit report when it comes to my XXXX  XXXX credit card # XXXX. Experian showing the company took a full right when they did not because I paid half in the settlement, so they did not take a full right off. 
XXXX - Is showing Payment after charging off. 
XXXX Is showing just charge off
Consumer complaint received 2024-03-24
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)

There are several inaccuracies on my Equifax consumer report that i would like removed and addressed The name " XXXX XXXX XXXX '' is present on my Equifax consumer report this name does not belong to me and dos not represent me I would like only the name " XXXX XXXX '' present on my consumer report. 

addresses The address " XXXX XXXX XXXX XXXX, LA XXXX '' this is a non mailable address and I can never be reached at this inaccurate address. i would like this address removed from my consumer report Accounts XXXX XXXX  Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX The account " XXXX XXXX XXXX  Account Number XXXX Reported : XXXX. XXXX, XXXX '' {$430.00} This collection account is being reported as " Active /Open '' being that is account is charged off and reported as a collection is it illegal for this account to be reported as Open if it is a collection account. Per the laws found in 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES, i would like this account removed immediately
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXXXXXX 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.