davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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 (MN)

I have 4, virtual {$100.00} American Express prepaid gift cards that are supposedly able to be used anywhere American Express is accepted online and in person ( {$400.00} total ). The cards terms state " Use at U.S. merchants that accept American Express Cards. Funds do not expire for all cards other than expiry cards. '' The American Express website also states that these cards are able to be used via XXXX. 

I have tried using all 4 of the cards online at : the XXXX XXXX, XXXX, XXXX, and XXXX. When my transactions failed at these major retailer stores online, I then tried adding the virtual gift cards to XXXX XXXX to use the cards in person, since the American Express website states that how to use these virtual cards in person. Adding the cards to XXXX XXXX and using them in person also did not work. I have multiple emails from retailers ( XXXX XXXX, XXXX, and XXXX ) saying that my payment has been rejected and they are unable to give a reason why the card was rejected other than " check with your card about the transaction. '' Each time I attempt to use the cards, I make sure the purchase amount is less than {$100.00}. I include the card number, card expiration date, security code, and billing address ( as their website states this information is needed when making a purchase ). No matter how small the purchase, the card gets rejected. I have checked the balance for these cards online and by phone, and it has been verified multiple times all 4 of the cards are active and have balances available. I am also now starting to get XXXX cent charges posted to these cards for all of the supposed " failed transactions. '' When I contact American Express, their customer service is extremely frustrating to deal with. Their customer service line only directs me to a robot, I have spent too much of my time trying to reach an actual person to assist. The only help I am able to get is verification that my cards are active ( not expired ) and have balances available, so they should be working. I have looked online to research if other people are experiencing similar issues. There are tons of posts on XXXX and similar websites with people complaining about the same issue. It seems like these cards are impossible to use anywhere and American Express customer service is of no help. I am not sure how they are getting away with not allowing these cards to be used, especially from major retail stores. I am at a loss of what to do. {$400.00} is a lot of money to just let go of, so I am reaching out for advice or help regarding next steps. 

I am submitting one of the emails I just got this morning about my failed payment.
Consumer complaint received 2023-10-24
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: EQUIFAX, INC. (FL)

I am writing to follow up on my recent dispute regarding unauthorized and inaccurate inquiries on my credit report that I submitted through CFPB dated XX/XX/XXXX. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (AZ)

XX/XX/2022 Mailed dispute letter for verification of late payments on credit card accounts on consumer report. Demanded proof. Proof not received and its been over 30 days.
Consumer complaint received 2023-10-24
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. (NY)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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)

In accordance with In accordance with the Fair Credit Reporting Act the Lender XXXX XXXXXXXX XXXX, has violated my rights. After disputing the late payments with XXXX XXXX XXXXXXXX their investigation concluded that the 3 credit bureaus ( Transunion, XXXX, XXXX ) are the only ones that need to remove late payments not their mortgage company. They simply said they can't do anything to change the late payments being reflected. Under the CARES ACT during my forbearance period late payments and negative remarks are not supposed to be reported as late payments they should be reported differently so they won't affect my credit history. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

For 7 years I have had an AmEx credit card and have paid in full and on time every month. The bill comes via e-mail and always arrived monthly. Last month the bill went to my spam filter and I never saw it. I called the company on XX/XX/23 and advised the rep what had happened. At that point I owed {$34.00} from the late bill and a {$29.00} late fee and the next bill had a charge of {$35.00} for a total of {$99.00} at that point. I gave the rep my routing and checking account numbers and paid everything off. I asked if the late charge could be waived because I had never been late with this credit card or any other credit card for that matter. The rep said it was their policy not to waive late charges. I asked to speak to a supervisor and he said one would call back within 24 hours which never happened, I called again the next day and got a different rep but same response ie. policy is no waiver of late charges and no supervisor available. I am XXXX years old and have never had late charges in the last 50 years because I pay my bills on time. How can this company charge me a late fee for a bill I never received. What possible reason would I have to incur a {$29.00} late fee on a bill of {$34.00} which I could easily pay on time if I knew about it. This is ridiculous.
Consumer complaint received 2023-09-14
Product: Credit 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: CITIBANK, N.A. (WA)

An unauthorized purchase was performed at XXXX XXXX on XX/XX/2023 for {$500.00} with my Citi credit card account. 
The charge was disputed, and the bank ruled against me. The bank stated that I participated in the transaction. 

The bank stated that the card used during the transaction was a card ending in XXXX, belonging to my wife. My wife is an authorized user ( has an " additional card '' ) of my citi account. 
Citi asked me to confirm that the card was in our ( me and my wife ) possession. 
Citi asserted that the card was present, and that the " chip '' was used to complete the purchase. Citi claims the chips can not be duplicated. Hence they conclude that we participated in the transaction, and ruled against me. 

I contacted Citi via phone on XX/XX/XXXX, and they confirmed that the extent of their investigation was that the " chip '' was used, and that those can not be duplicated. 
Citi apparently decides to routinely ignore the fact that there are known attacks against EMV ( a.k.a. chips ) and immediately rule against the consumer. 
I don't have any sort of proof as to the time of this writing - that the transaction was indeed EMV-based. 

We had possesion of the card ending in XXXX, and we ( my wife and I ) were both hiking up a mountain at the time we received texts from the bank asking for confirmation for the transaction regarding this complaint. 

Makes me wonder how often this happens, and how much money Citi is keeping from the customers. This due to Citi immediately ruling against the consumer whenever the disputes are about *supposedly* EMV-based transactions XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (KY)

i got the care credit card back in XXXX  i been paying on this card since never missed a payment never was late on a payment and recently started noticing the balance was not decreasing it continues to be the same or more even after XXXX a month payments every month. So i called the company who used the excuse that a interest promotion expired or something not quite sure what they are even talking about was never at any time told about any kind of promotion but as long as i have paid on this card it should be paid off or at least close to it but NO the balance is more. I did research them online and seen im not the only one they are doing this too there are hundreds possibly thousands of complaints online about this company and there unfair charges. I dont mind paying for what i owe i have perfect credit to prove that but i dont want to keep dishing money out to this company for the rest of my life. please help
Consumer complaint received 2023-02-23
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. (NY)

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
Consumer complaint received 2023-10-24
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. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2023-01-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2021-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a BANK OF AMERICA . I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a BANK OF AMERICA on XX/XX/XXXX via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a/ BANK OF AMERICA adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a BANK OF AMERICA is now civilly liable to pay me for the damages caused.
Consumer complaint received 2023-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing this letter in regards to several negative accounts on my credit report. I have made numerous attempts to have these accounts removed, but to no avail. I am now writing this letter to officially request the removal of these negative accounts from my credit report. It has come to my attention that the information listed on these accounts is incorrect and does not accurately reflect my credit history. I have proof that these accounts do not belong to me and I demand that they be removed immediately. If these negative accounts are not removed from my credit report, I will have no choice but to file a lawsuit for misrepresentation. This would be a long and costly process for both parties involved, and I hope that it can be avoided. I kindly request your prompt attention to this matter. Please let me know what steps I need to take in order to have these negative accounts removed from my credit report as soon as possible. I am eager to resolve this issue and restore my good credit standing.
Consumer complaint received 2018-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

Starting in XXXX, I made a large number of additional principal payments to my mortgage company, PNC mortgage. Due to an incentive offered by a bill pay servicing company, my payments were all individual checks, mailed via USPS, in the {$250.00} range each. I asked PNC to itemize each incoming payment individually, so that I could properly reconcile my account and verify that all payments were received and properly applied to my account. They refused. In total I asked 3 times that each separate check be given a line on my statement, but they continued to refuse. I can not properly verify my payments without knowing if each check was received and credited. 

Here is a copy of the first email I sent them : XXXX Message Detail Subject : Payment Inquiry Date : XX/XX/2018 Message : Hello, I am making a series of payments in the {$250.00} range toward my principal. When they get lumped in together I can not reconcile my payment account and confirm that payments were correctly applied. Please give each check a line item. Thank you. 
=========================================================== Here is their reply : =========================================================== Subject : Re : Payment Inquiry Date : XX/XX/2018 Message : Dear [ redacted ], Thank you for your email inquiry concerning your PNC Mortgage loan. Please be advised, due to the quantity of payments received at such a rapid rate we're unable to apply each check as an individual line item. However, if you feel there has been any sort of error regarding your payment, please send a written dispute to ; PNC Mortgage XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for the opportunity to be of service to you. If you have any further questions, please call one of our Customer Service Representatives at XXXX, or respond to this message. Customer Service Department PNC Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- To : CSR Agent Subject : Payment Inquiry_Hello, I am making a series of payments in the {$250.00} range toward my principal. When they get lumped in together I can not reconcile my payment account and confirm that payments were correctly applied. Please give each check a line item. Thank you. 
============================================================= I am asking that I get a proper reconciliation showing each check that was deposited into my account to pay my mortgage. This is necessary to properly validate payment and reconcile my accounts. 

Thank you
Consumer complaint received 2023-10-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing purchased my mortgage loan from the loan originator without first verifying the existing hazard insurance coverage. They asked me to provide proof of continuous insurance coverage more than a year after the fact which I did. I first provided them proof of insurance coverage for XXXX. Then they asked for retroactive proof for XXXX and I provided valid declaration pages and proof of continuous uninterrupted hazard insurance for both years by email, upload and by postal mail. Specialized Loan Servicing phone operators do not provide any identity credentials, the email address they provide are anonymous with un-monitored reply addresses and the upload portal only provides a rejection notice when I upload the insurance declaration pages. The response to mailed in valid declaration pages proving coverage was to deny the proof was valid. They have now reported late payments to all three credit reporting agencies for a single, partial month charge of {$47.00} for insurance coverage for the month of XX/XX/XXXX, because they claim they didn't receive the proof of coverage that I sent in multiple times using multiple methods. My credit has now been downgraded because of the false late payment reports they have filed. Specialized Loan Servicing should not be allowed to purchase existing loans without first verifying insurance coverage and should not be allowed to harass, intimidate, or threaten and impair the credit ratings of their clients for their own lack of due diligence when buying loans.
Consumer complaint received 2023-02-23
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. (PA)

I have provided more proof regarding the situation of the late payments that are inaccurately reporting to my credit report. I had made attempts to make the payments and even got confirmation that these payments posted yet the companies have defamed my character including your credit reporting agency. In accordance with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose. Furthermore the the evidence I have provided proves that my situation is unlikely to happen and incorrectly reporting. I demand these accounts below to be updated XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2023-02-23
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 XXXX Account # 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.

In accordance with the Fair Credit Reporting Act XXXX Account # 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.

In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # 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 2023-10-24
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. (NC)

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 1. ) Account name : XXXX XXXX Account # : XXXX. XXXX. ) Account name : XXXX XXXX XXXX XXXX Account # : XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. ) Account name : XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX Account # : XXXX XXXX. ) Account XXXX : XXXX XXXX XXXX. Account # : XXXX XXXX. ) I XXXX XXXX XXXX Account # : XXXX. XXXX. ) XXXX XXXX XXXX Account : XXXX. XXXX. ) Account XXXX : XXXX XXXX XXXX XXXX. ) Account Name : XXXX XXXX. XXXX. ) XXXX. XXXX XXXX Account # : XXXX has violated my rights. 15 U.S.C. 1681 section A states I have rights to privacy. 15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-24
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. (MA)

I disputed incorrect information and requested these inquiries be removed immediately, or provide validation for these inquiries which was not provided, and they were not removed. I have expressed having an identity theft report and have tried endlessly to get these removed. They have violated law 15 U.S.C 1691 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).