davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (FL)

This is a complaint against American Express, for several reasons to cite :1 - discrimination. 
2 - Disrespect. 
4 -XXXX promotional information on their services. 
This is a card unicamnete service for people to demonstrate for them and demonstrable revenue soaring with the IRS and bank intuciones. 
My case is as follows my will approved me a gold card services one week after use without warning decided to block the card because they believed that there was a fraud, go MADE ME shame to waste my time and do not value them, go to a bank where I have account, receive a fax from them and having to send all the documentation needed to verify my identity, from XXXX passport and driver 's license to test direction and these had to be notarized by the banking agent, because their views could be false and fax sent from the Bank. Disrespect, discrimination. 
However continue gave them the requirements, but as this was insufficient for them, the second week demanded me I had to pay off the card because he had reached the limit of what they can spend and consider that if he did not in my 3 days block serious card. 
Break the rules, the monthly payment is not quinsenal. Liars. Mislead consumers with their promotions. 
OK. I made a payment within a month to avoid interruption, now I block the card because they need to check with the IRS if I make money or not, because they do not feel that I will be able to assume this responsibility. Disrespect again. n a nutshell is XXXX alerts to me say I can not be part of its elite because I have no money according to them, discrimination, and as the only way they know if I have money is figuring out my life with the IRS
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX XXXX XXXX XXXX has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-31
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. (TX)

I have a recorded conversation of when I spoke with two of your, Transunion representatives today and those agents willfully violated my federally protected consumer rights. I requested information be blocked according to 15 usc 1681c-2 and the agent refused and said the address on my utility bill did not match, i assured your agent that the addresses were the same and he stated he had no access and transferred To a supervisor, XXXX. I also questioned who gave permissible purposes and the agent had no rebuttal. I asked for him to block several times he said he had to do an investigation and yet and still refused to block although its been past 4 days and I am XXXX XXXX! TRANSUNION IS MAKING MY LIFE XXXX! I have NO access to my XXXX credit because of XXXX identity theft and fraud I am XXXX!
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX, I logged into my CitiBank app and it said my account was blocked. I contacted them and they told me they were closing my account and couldn't tell me anything else, they would then hang up the phone in my face. I called 3, maybe 4, times, and every time they would hang up on me, giving no explanation. I have no idea why they would randomly close my account, as I haven't had any issues with them. I used my debit card on XX/XX/XXXX, with no issues.
Consumer complaint received 2021-12-31
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: ONLINE Information Services, Inc. (SC)

Online Information Services according to XXXX XXXX XXXX made a claim that I owe a bill of {$140.00} to them. XXXX XXXX XXXX is permanently closed. This debt do not belong to me this is Fraud and I am requesting to have this move off of my credit report immediately because this has damaged my credit.
Consumer complaint received 2021-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was looking at my credit report and noticed the following unauthorized inquiries can you remove them from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

On XX/XX/XXXX there was a moratorium placed on freeze on student loan activity by the Trump Administration that was extended to XXXX and now XXXX by Biden administration. I received a letter unknowing from Navient in XXXX informing me i was behind on my student loan as my income was revaluated. I made Back payments and payments forward from XX/XX/XXXX till XX/XX/XXXX. It was money I did not have as pandemic closed the place I worked for. Only after resubmitting paperwork to show this was my payment re evaluated again. I went in the Hospital in XXXX  for XXXX XXXX  due to XXXX so our finances are in shambles. Upon learning about I did not have to make payments during this freeze i was informed I was eligible for a refund of those payments as they are Federally backed loan as Navient is and never have been a funder for my loan but only a assigner of it. Spoke to a Department of Education Representative who informed me that I was eligible that i would have to call provider to make request. On XX/XX/XXXX I made the call at XXXX and spoke to a CSR who informed me that I was not eligible because Navient funded my loans which is not true they were only assigned my loans from Department of ED and Navient continues to feed misinformation to its customers as I have had a lengthy issue with them to trying to lead me to forbearance instead of income driven payments to moving your dates around or somehow losing my paperwork during reupping each year. I am not working due to my condition and i feel those payments that I should not have made due to the blanket law that was passed with the exception to private loans should be refunded to me which was from XX/XX/XXXX to XX/XX/XXXX. They are federally backed loan and not private as I have never did business with Navient just had them set upon me by the interworking 's of the Government process.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-03
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: ERC (TX)

my purse was stolen with along with all my documents my drivers license, social security card, and birth certificate, someone tried to obtain credit under my name and they are inquiries on my report that i don't recognize and other creditor that are not mine that i would like to remove
Consumer complaint received 2021-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

This is my 3rd complaint against paypal with no real resolution or provided a way to resolve. 
Previous complaint first on XXXX, # XXXX second complaint was made on XXXX, # XXXX Please see to these previous claims also please be advised that on XXXX this claim was done over the phone. 
I have tried several times to resolve the issue with PayPal and yet still nothing the response to my claim on XXXX complaint # XXXX makes statements about my unemployment benefits with that said here 's a copy of my unemployment tax forms please note that during this time all banks and other establishments were closed I did not have a way to get a new ID which state of XXXX  also no Bank would open an account for me due to pandemic as well as my ID being from XXXX  my benefits from XXXX unemployment are not fraudulent and statement to prove is being provided. 

Next steps I will Take at PayPal 's expense is to court.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I would like to request that the CFPB contacts Bank of America regarding their electronic notifications ( emails ) when credit card payments are due. 

The issue is that the subject line for when a credit card payment is due reads, " Your Statement is Available in Mobile and Online Banking. '' This subject line does not make it clear that an actual monthly payment is due. 
To Bank of America 's defense, the body of the email does go into detail about the minimum payment due and the due date, but here 's the problem with that : Bank of America sends an extreme amount of marketing emails to their consumers that we are subconsciously conditioned to delete several emails bombarding our email inbox. We sometimes receive multiple Bank of America marketing emails per day! 

Being realistic to our modern world of digital marketing, etc. it is very easy and reasonable for a person to delete emails without viewing the body of the email. 

I am requesting that Bank of America standardize their credit card monthly payment emails to have a subject line that states something like, " Your Bank of America monthly payment is due. '' And then we could easily identify that email as an important email and not mindlessly delete it. 

Because of this issue, I have been imposed with 3 ( or maybe more ) payment late fees! 
I am a responsible consumer and I'm never late on with any other bill in my life.. .only Bank of America due to this issue. 
In just the last 3 months, I've paid {$78.00} in late fees due to Bank of America 's unclear payment notifications. 
I contacted Bank of America to request to waive the fees, and they did not comply. 

The problem is that Bank of America will continue to profit off late fees from many consumers and myself simply because their monthly payment notifications have vague " blending in '' email subject lines. 

Thank you for your assistance.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIDFIRST BANK (IN)

Please reference complaint IDs XXXX, XXXX, XXXX, and XXXX Once again, Midland Mortgage is being XXXX  and retaliating against me for filing with CFPB and XXXX. 
First off, in reference to the city shutting the water off, that could not be further from the truth. I have attached photos of the water turned on from my faucet. I also attached the notice from XXXX properties that was on the door stating they shut the water off. XXXX  properties is the property management group hired by Midland Mortgage falsely claiming the property was unoccupied and vacant. There is overwhelming proof that disputes that. 
We closed on the house and the new owners took over on XX/XX/2021. Midland keeps harassing  me, calling me every week, asking if the house is occupied. It even shows on my account as being paid off. 
To make matters worse, they fraudulently reported to the credit bureau a 180-day delinquency on XX/XX/2021. I have never experienced such blatant fraud committed against me from a financial institution. The house has not been in my name since I sold it on XX/XX/2021 ; plus, I was in the covid protection plan until at least the end of XXXX like so many others. 
Off to The Michigan AGs office I go. I wonder how many people they have done this to? They do not even have any branches or offices in Michigan. I am not sure why XXXX sold my mortgage to this bank but you can believe it was with bad intentions.
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Blackhawk Network Holdings Inc. (NJ)

I have a reloadable Visa Debit Card.

It was cancelled by Credit Card Company for supposed fraud.

They then tried to charge me a {$6.00} fee for a replacement card when I did not ask for the card to be cancelled!

They also tell me a new card will take 7-10days to arrive when I again did not ask for my card to be cancelled!

This is not the first time I have had issues with this card and this bank and I feel their procedures are unethical.

Please look into it. 
Card is issued by XXXX, XXXX. but disputes and such are handled by BlackHawk Networks.
Consumer complaint received 2024-04-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SUN LOAN COMPANY INC. (IL)

On XX/XX/2024, I applied for a personal loan at Sun Loan. Later, a service representative from Sun Loan XXXX XXXX XXXX  called to inform me that my loan application was denied because of my employment at XXXX XXXX, which they consider a XXXX XXXX She mentioned that they need to ensure an applicant 's employment for the next 15 months, a guarantee I believe is unrealistic for any job. Although XXXX XXXX is perceived as a XXXX XXXX my position as a XXXX XXXX XXXX ( XXXX ) is considered permanent within the company. My role as an XXXX ensures a steady income, even when I am not assigned to external projects, demonstrating the stability and reliability of my employment and countering the usual temporary perception associated with XXXX XXXX. At XXXX XXXX, I receive full benefits, including vacation and sick leave, a XXXX plan, medical benefits, and more. After receiving the denial, I secured a copy of my contract and attempted to reach out again to clarify my situation, but the representative refused to reconsider, citing XXXX XXXX 's classification as a XXXX XXXX as the reason for the loan denial. I have been with XXXX XXXX as an XXXX  for more than two years, and the idea that this does not qualify me for a personal loan is troubling. This denial seems unjustified since I am not a XXXX XXXX according to XXXX XXXX XXXX  standards. This issue is not unique to me, after searching for answers, I came across several posts about others in similar roles at different companies face loan denials despite not being classified as temporary employees.
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

Over the past year I have been charged a monthly fee on my credit card for a service that I did not agree too. I was told It would be refunded back to me however it did not. When I would call to resolve the issue I was hung up on XXXX seperate times and ignored. This was a debt protection fee that turned out to be a scam.
Consumer complaint received 2023-01-14
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: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union reported XXXX late payments to the credit bureaus which is not accurate and instead of reporting payments as current, they provided me XXXX letters confirming the dates of our deferred payment plans and assigned me, the consumer, the responsibility of making the dispute to the credit bureaus for their violation of reporting accurate account information. 

I used these letters end of XX/XX/2022 to dispute the late payments that were inaccurately being reported to the credit bureaus via XXXX XXXX and certified mail. I have evidence that shows that XXXX had brought the account to current and then immediately reposted the same inaccuracies XXXX week later, and adding another inaccurate reporting of an increase of the balance, bringing my XXXX XXXX down XXXX points. 

Being that a compromised credit report and low XXXX XXXX can also compromise living qualifications such as housing, transportation, and more, this deliberate neglect and malpractice is costing more than {$1000.00} per violation. I am building this record of malpractice to the government agency 's records of the misuse of my credit reports. 

In accordance with the Fair Credit Reporting Act, Navy Federal Credit Union and 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.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have enclosed in the attachments, the previous dispute through Consumer Finance, as well as the screenshots through XXXX XXXX 's current XXXX credit report of the Navy Federal Credit Union account to support my claims, as well as the current balance through Navy Federal Credit Union.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. which is false and misleading.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Consumer complaint received 2021-12-31
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. (SC)

I reported a fraud that are hard inquiries these were placed on my account that aren't mine. 
TransUnion and XXXX investigation took a day and didn't bother with my FTC nor deleted the inquiries that aren't mine. Iv called everyday the get this resolved and now feel like me rights haven't been taken seriously.
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (IL)

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The company simply indicated that the alleged debt had been transferred to a collection agency. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX XXXX XXXX and Experian, when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and Experian to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, XXXX, and Experian that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Consumer complaint received 2021-12-31
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. (CT)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.