davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
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 (NC)

I received a {$2000.00} prepaid American Express e-gift card in XX/XX/XXXX. I have tried to use the card several times and am unable to use it anywhere. I have been unable to spend any of the {$2000.00}. I have tried : Paying a {$310.00} medical bill to XXXX XXXX XXXXXXXX XXXX XXXX  - declined ( XX/XX/XXXX ) Buying a {$22.00} picture frame on XXXX  - declined ( XX/XX/XXXX ) Buying a {$130.00} bag of dog food from XXXX  - declined ( XX/XX/XXXX ) Purchasing a {$200.00} XXXX gift card from XXXX - declined ( XX/XX/XXXX ) Purchasing a {$25.00} XXXX  gift card from XXXX - declined ( XX/XX/XXXX ) I called the customer service line since I haven't been able to spend the card anywhere. I was told that the card did not work at all retailers. I asked where it did work and they were unable to tell me any locations where it was accepted. They told me to use it physically in stores ; however, this is an e-gift card and will not be accepted in physical retail locations. This is a significant amount of money and I do not want to keep trying to spend it at various places just to have the card continue to be rejected. This card is useless to me at this point.
Consumer complaint received 2022-01-03
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: Medical Data Systems, Inc. (GA)

I HAVE DISPUTED MULTIPLE MEDICAL ACCOUNTS THAT WERE NOT VERIFIED ACCURATELY OR WITHIN 30 DAYS AND XXXX REFUSES TO DELETE THE ITEMS OR VERIFY THEM CORRECTLY, THEY ARE VIOLATING MY XXXX RIGHTS WITH COMPANY MEDICAL DATA SYSTEMS DATES XXXX ALL OTHER CREDITORS HAVE REMOVED THE COLLECTIONS AND MY COLLECTIONS AREN'T PROPERLY BEING ADDRESSED. AMERICAN ACCOUNTS AND LVNV HAVE NOT PROVIDED ANY IDENTIFICATION OF IT BEING MY DEBT AND XXXX IS STILL REPORTING AND TAKING MATTERS INTO THEIR OWN HANDS INSTEAD OF FOLLOWING THE LAW.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

I have been trying to use the XXXX XXXX XXXX to redeem points towards flight bookings made directly with XXXX and XXXX Airlines XXXX I was informed by multiple customer service agents that I should I have been able to redeem points and that it was strange that I was not receiving the text messages. A request would have to be submitted to the rewards team, which make take several days-weeks and approval was " not guaranteed. '' Multiple customer service agents had no idea how XXXX XXXX worked or why I was not receiving text messages, until XXXX, XXXX more senior agent, found that I needed to be " re-enrolled '' in XXXX XXXX for legal reasons, which would not take effect until tomorrow. 

I spoke to a XXXX, XXXX, over the phone who hung up the phone on me after failing to resolve the issue. XXXX could credit me with additional points on my account, but they would not enter my account until after the statement closed. I intend to close the credit card before my statement closes, so that is not a resolution. Otherwise, a request to the rewards team could take " weeks '', which again I don't have time for. 

I am exhausted dealing with US Bank after this entire painful experience. I can not rebook my flights and I'm not waiting for my points to post. And it is entirely unacceptable for the XXXX to hang up on me after failing to resolve the issue. 

This is not the only time I have had an issue with XXXX XXXX. It is an opaque program designed to discourage customers from actually being able to use it. I am done with US Bank after this experience, and rest assured that I will never conduct business with US Bank again in the future. I expect an immediate resolution ( as described below ) to my complaint.
Consumer complaint received 2020-03-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (GA)

AFNI, Inc sent a letter stating I owed them {$280.00}. I sent an initial letter in XX/XX/XXXX asking for validation with my signature ; they never replied. On XX/XX/XXXX AFNI illegally placed a collection on my credit report. I sent a letter XX/XX/XXXX and requested they remove it immediately as I have never had any business or relationships with this company.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

They still have not answered my complaint regarding rewards. 
And they are also not providing me informational Statements of any kind. 
They charged me a late fee of {$29.00}, then another of {$40.00} - it appears they are doing whatever they want with this account, no accountability and charging any fees they want, and NOT honoring the points earned while using this account. They closed my account for no reason, I was NEVER late and they continue to do whatever they want with my account with no recourse???? 
see attached
Consumer complaint received 2022-01-02
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)

Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Mr. Cooper ( mortgage company ) has failed to file a cancellation of security deed/release on my property when i refinanced back in 2017. I am selling my home and when the title company started their process they stated there needed to be a lien ( security deed ) release from Mr. Cooper. The title company, the closing attorneys and myself have contact Mr. Cooper for resolution. They have yet to provide myself, the title company or the County in which i reside the lien ( security deed ) release that i need to have a clear title.

The title company has asked for a copy of the cancellation. i have asked for a lien ( security deed ) release. The closing attorney has asked for a copy of the lien release. They refused all of our request.What i need from Mr. Cooper is a lien release/security deed. I am currently with another mortgage company was supposed to obtain the security deed from them but that never happened. 
My original mortgage was with XXXX at which was sold to Northstar at which was sold to XXXX and then sold to Mr. Cooper. 

If this does not get resolved I will loose out on {$140000.00} and a happier retirement! 

Thank you
Consumer complaint received 2022-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-01-02
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. (GA)

I HAVE DISPUTED MULTIPLE MEDICAL ACCOUNTS THAT WERE NOT VERIFIED ACCURATELY OR WITHIN 30 DAYS AND EQUIFAX REFUSES TO DELETE THE ITEMS OR VERIFY THEM CORRECTLY, THEY ARE VIOLATING MY HIPPA RIGHTS WITH COMPANY MEDICAL DATA SYSTEMS DATES XXXX ALL OTHER CREDITORS HAVE REMOVED THE COLLECTIONS AND MY COLLECTIONS AREN'T PROPERLY BEING ADDRESSED. XXXX XXXX AND XXXX HAVE NOT PROVIDED ANY IDENTIFICATION OF IT BEING MY DEBT AND EQUIFAX IS STILL REPORTING AND TAKING MATTERS INTO THEIR OWN HANDS INSTEAD OF FOLLOWING THE LAW.
Consumer complaint received 2022-01-03
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: LEXISNEXIS (MN)

CFPB I asked you to review lexisnexis documents that I received via US mail dated XX/XX/2021 from Lexisnexis, lexisnexis has acted willful and negligent and reckless and violations multiple FCRA laws regarding false credit reporting! Per the FCRA lexisnexis had 15 days to comply with the method of verification as you can see from their company letter head dated XX/XX/2021 you can see they gave a bogus explanation first of all more than 15 days past due is and will not be excepted because the law states in black in white when a consumer asked for the method of verification the credit bureaus have exactly 15 days of date received. And furthermore they did not include specific information that was requested on them. Lexisnexis needs to remove the public records from all credit reporting agencies. Please review CFPB previous documents dated XX/XX/2021 also review lexisnexis response dated XX/XX/2021. Pure violation. Also this is the first time that lexisnexis DIDNOT upload this copy via the CFPB I want to know what do they have to hide. There is clear evidence that they are violating the FCRA I suggest them to stop doing this because I have enough right now to take legal action and if its not removed I will do it plain and simple! Previous XXXX XXXX is showing inaccurate information how are you verifying inaccurate information? XXXX is a 3rd party data system that anyone can purchase to look up information. I have supplied you with proof that its reporting inaccurate. Which puts you in violation of the FCRA for false credit reporting.one more thing before I close Im not a XXXX person is this why you sent that letter dated XX/XX/XXXX. You through you could respond within 30 days but I got news for you the request under by FCRA 611 ( a ) ( 7 ). Is credit bureau must give you the method of verification information within 15 days of your request why on. Please do whats right and remove the public record. 30 days would have put you at or around XX/XX/XXXX to the XXXX is is why you sent this didnt you? 
Again FCRA 611 is 15 days! 

Thank you
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was a victim of fraud from the XXXX data leak and am very worried about my identity being stolen again. I opted out of having my data sold to lenders on XXXX but keep getting offers in the mail. I then learned I had selected opt-in not opt-out. I have very poor eyesight and only have a mobile phone and could barely see what was on the screen. It was very difficult to fill out the form with it being so tiny and hard to use. This is the only way you can stop offers and it should be easier to use. Not everyone has a desktop. Its discriminatory please fix
Consumer complaint received 2022-01-02
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: Experian Information Solutions Inc. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-01-02
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: EQUIFAX, INC. (TX)

MY IDENTITY HAS BEEN STOLEN. SOMEONE KEEPS OPENING ACCOUNTS IN MY NAME. I AM TRYING TO KEEP UP WITH MY CREDIT PROFILE BUT ITS SO HARD WHEN SOMEONE IS STEALING MY INFO OPENING UP FRAUDULENT ACCOUTNS. PLEASE INVESTIGATE THESE ACCOUNTS AND REMOVE THEM FROM MY PROFILE.
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MD)

I recently went into the branch of Chase Bank and called previously for the account correction and was not successful, yet tried to sign up online and have not been able to do so. I can not keep opening and closing accounts just to do simple online processing purchases. please help solve this matter, Thank you.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I had my personal information exposed in several data breaches including the XXXX data breach, the XXXX data breach and the XXXX XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation (MO)

***THIS IS NOT DUPLICATE*** I am in receipt of a computer-generated letter from your company unsigned, unverified, unvalidated statements alleging some kind of debt. 

It is my policy to pay all legitimate debts, but also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exist between XXXX XXXX and ACCOUNT RESOLUTION CORPORATION Debt. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e. g. 

If you bought this as a debt collection device to make money as a debt collector, thank you for paying off the bill. 


NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I have proof and evidence supporting my claim. XXXX XXXX XXXX  was removed from my experian report in XX/XX/2018 and is still on my report. Experian sent me a letter of removal and refuse to remove the item from my credit. please help in resolving this problem.
Consumer complaint received 2021-07-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2021 a fraudulent : '' Emergency Cash Advance '' of {$1500.00} was billed to my Bank Of America Travel Rewards credit card. I noticed this charge on XX/XX/XXXX and promptly filed a dispute with Bank of America. The transaction occurred at a Bank of America branch somewhere in XXXX TX. I was in Maryland, where I live at the time of the transaction took place. 

A week later I got a letter from Bank of America informing me that my claim was denied. I called again and demanded they re-open the claim and explained to them that it was impossible for me to have made the charge. The representative state that they would re-open my claim and further investigate and examine video footage. Another week later I received another denial letter. They obviously did not do anything because the person who made the fraudulent charge was not me. 

So I called in a third time irate and told them that I did not make the cash withdrawal and they instructed me to furnish credit card statements from other cards I have that showed purchases I made in Maryland on the date of the fraudulent transaction that occurred in TX on XX/XX/XXXX, which I did. I also obtained a police report and sent in all the documents. They sent me a fraud statement form which I promptly filled out and returned and informed me that my claim was being re-opened. I also sent a certified letter with this documentation which was signed for on XX/XX/2021. 

I walked into the local branch to speak with a manager to see if he could do anything for me. He said he would personally reach out to the fraud team for me. However after one call, I have not heard back from him either after leaving multiple messages. 

Its not XX/XX/2021 and my claim status is still " claim being researched ''. Every time I call for a status they tell me nothing. Meanwhile I am being charged installments on this fraudulent charge.
Consumer complaint received 2021-07-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021 my fianc and I created a savings account with synchrony bank to keep our gift funds safe as we save up for our wedding and living in a new state. We have tried to access this money through atm withdrawal and mobile transfer to help pay for expenses associated with our move and with our wedding planning. We have been denied access to our account under the pretense that our account is under review and is restricted despite us being given zero information regarding this situation nor any clue on when OUR money will be available for use to use for rent thats due in two days. I called synchrony on XX/XX/XXXX to ask why our money wasnt available and they told me the account is still being reviewed, call back in two to three business days to have an answer. I called back today ( XX/XX/XXXX ) to receive the information that I was promised and hopefully have access to my account and was told that the banker has no idea what is going on, and that they will mail me a letter in two weeks letting me know the status of my account. I just want our money so we can pay bills and move on from this horrible bank account.
Consumer complaint received 2022-01-02
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: EQUIFAX, INC. (AZ)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Attention : XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made XXXX : XXXX Made on : XXXX Made with : Equifax
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KY)

On XX/XX/2021 I logged into MyEquifax, and it was blank. No accounts, no personal information, trade lines, nothing. BLANK. 
So I contact Equifax, they tell me to fax a letter explaining the issue and ID documents. It will be fixed in 30 days. I do that immediately, Today, XX/XX/2021, I open up MyEquifax, and blank, Nothing on my equifax file, not fixed! 

I have attached my XXXX equifax that shows my accounts. And the XXXX blank equifax report & XXXX blank equifax report. 

If this is not corrected in 30 days or less, I will have a consumer protection attorney here in Kentucky fix it for me!
Consumer complaint received 2019-12-17
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)

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX   XXXX ... Amount {$3700.00} for an authorized/unknown account.