davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TN)

I was first scammed on XX/XX/XXXX into purchasing multiple Amex gift cards. Over the next XXXX days I was instructed to purchase XXXX Amex gift cards with XXXX on each of them. I found out this was a scam on XX/XX/XXXX and immediately contacted Amex and locked all the cards but there was only money on the last XXXX cards. There was {$500.00} on each of the cards. They told me I could now use the cards and they would not be able to help me concerning the rest of the cards. 
I then tried to use the cards at XXXX and other main chain stores, and I could not get the cards to work. I then tried to use the cards to pay rent or other bills and it wouldnt work. 
I contacted the company twice on XXXX, twice on XX/XX/XXXX, and then twice on XXXX, and a few other times I believe, to try and work this out and then deciding a check would be best. The check they sent is dated XX/XX/XXXX for the XXXX left over on the cards. But after trying to get the check cashed multiple times and each time being rejected by multiple banks, a bank finally told me they believed the check to be fake. They had checked through XXXX ( I believe is what its called ) and thought the check to be fake.
Consumer complaint received 2022-12-20
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2015-05-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2015 J.P. Morgan Chase withdrew from my checking account {$6600.00}, apparently on IRS behalf. After the internal file went through the complaint department, J.P. Morgan Chase confirms funds wo n't be returned, unless IRS authorized. I have never received any communication from IRS, and after I called them I was told to talk with the bank. As mentioned above, the bank wo n't return me the funds. So I feel abandon and extremely frustrated. The reason why the funds were withdrawn is because XXXX form was incorrectly filled out BY, J.P. Morgan Chase. Moreover, this situation is causing me financial issues as I ca n't afford the bill is committed myself.
Consumer complaint received 2019-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (FL)

Approximately 154 days ago on XX/XX/19, I opened both a personal checking and money market account with BMO in order to receive a two promotional cash bonuses. I have met all terms as advertised for these promotions, but have received neither. I am now being told I do not qualify for the checking account promotion because I had an account with BMO with in the previous twelve months. The attached offer states that to be eligible one must not have had a PERSONAL checking account with in the last twelve months. The account that I previously had that BMO claims makes me ineligible was a business checking account for which I received a business checking promotional cash bonus. Therefore, BMO defines that account as a business checking account despite the fact that the business was a sole proprietorship. Obviously, since it was a sole proprietor account my social was used in its creation. This is what BMO seems to be hung up on, but it is irrelevant as it was a business checking account. the money market bonus simply has not been credited to my account even though BMO admits I have qualified.
Consumer complaint received 2022-05-19
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: DISCOVER BANK (GA)

Discover has a habit of false advertising. They have refused to resolve a fraudulent monthy recurring charge from someone called " XXXX XXXX ''. They are fraudulently charging me XXXX each month. I have contacted both XXXX and Discover to dispute this and get no help. I have cancelled my card to stop the recurring charge and Discover simply moves it to the new account number. This matter goes back several years now. They owe me at least XXXX years of charges at XXXX per month. I have stopped using my Discover card as a result and am giving my business to my other credit cards.
Consumer complaint received 2021-11-12
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: LendUp Loans LLC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX XXXX
Consumer complaint received 2020-02-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

Greetings, I have previous filed a complaint against this company, Navient. I have explained to Navient employees on numerous occasions that I believe that this student loan was secured via unethical practices. Initially I grudgingly paid on the loan, as I was repeatedly threatened by Navient that if I stopped payments they would notify credit bureaus, and this would negatively impact my credit rating. At some point in this process I decided to advocate for what I thought was right. I advised Navient on numerous occasions that I had made a conscious decision to no longer make payments on this loan due to means used in securing this loan. Nonetheless, Navient continued to call me 6-7 times a day on my home and cellular telephone for months, finally I stated, " Please stop calling me so often ''. I utilized my cellular telephone for work, those calls were interfering with my work, they did stop calling my cellular telephone. Navient continued to call my home telephone number all through the day, night and weekends. Yesterday, I was advised by two family members outside of my home that Navient had contacted them looking for me. Navient has my home  telephone number, my cellular telephone number, my email address and my home address, there was no need to place a " skip trace '' as indicated by XXXX XXXX. As of today, Navient continues to utilize my home number, my email address and my home address to communicate with me ; XXXX called me on my cellular telephone today. I believe once again Navient was attempting to intimidate me and harass my family members. There has to be a solution here.
Consumer complaint received 2020-02-26
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. (AR)

I decided to pull my credit because every time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulent made without my consent. Please remove these accounts from my report. 

XXXX XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$290.00} XXXX   XXXX {$49.00} XXXX  XXXX {$680.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$240.00}
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (MS)

My name is ( XXXX XXXX ) and I am a consumer/ natural ( woman ) submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2016-02-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (MO)

In 2007 i filed for bankruptcy and went before the judge and discussed this particular loan ( NATIONAL COLLEGIATE STUDENT Loan ) and the judge granted the bankruptcy on this loan. I have sent this company several copies of this and yet they keep attacking me thru collections as well as taking funds from bank accounts and my tax refunds. They have also ruined my credit by refusing to take it off.
Consumer complaint received 2015-12-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank checking charged me XXXX separate {$34.00} NSF fees for minor consumer purchases ( e.g. {$5.00} XXXX charge turned into {$5.00} + {$34.00}, etc ). I had a gap in funds for about 24-48 hours, and transferred in to cover the " insufficient funds '' within XXXX hours for all of these. The bank rejected my request for NSF refunds and used some complicated bank accounting schedules to dispute my request. My request is a refund on all XXXX {$34.00} fees since I had transferred funds into the account promptly to cover minor consumer purchases.
Consumer complaint received 2017-05-23
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. (KY)

XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (LA)

XX/XX/2022, I went Citibank on XXXX XXXX XXXX XXXX XXXXXXXX California. I tried to wire XXXX to XXXX  for my girlfriends wedding ring. They told me they wouldnt send the wire and they shut my account down. My account has XXXX in it. I havent received any of my money. This isnt fair.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-05-19
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 : XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (MS)

The original creditor discharged the debt receiving a tax credit. A XXXX has repeatedly been requested. The sale of this account was illegal as The XXXX XXXX and I have no legal contracts and Ive given no authorization for the sale of my information. The XXXX XXXX has been notified on multiple accounts of this and they continue to harass via text, phone and email after being told to cease and desist. They are not legally authorized by me for this account.
Consumer complaint received 2019-07-19
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. (NC)

Dear CFBP I am filing a complaint against Experian for failing to conduct a proper investigation for XXXX/XXXX/XXXX account number XXXX. I have sent multiple letters about the blatant errors this account is reporting. Send a final letter very specifically detailing the errors contained in their reporting complete with credit reports showing the account reported differently on other bureaus. I got notification that they had completed the investigation today so I pulled my Experian report. Unfortunately, they did not follow the requirements of the Fair Credit Reporting Act ( FCRA ) as the status of the information shows it hasnt been updated since XX/XX/2019. So how can they say an investigation was done in XXXX? They also did not address any of the errors I pointed out or provide any documentation. I am requesting that you compel Experian to delete this account from my Experian report as it clearly does not meet the requirements of the FCRA of being accurate and consistent and they have not met their legal obligations. 


Thanks for you help in this matter, XXXX XXXX XXXX
Consumer complaint received 2019-01-29
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (GA)

The inquiry was make on XX/XX/2018. I am unsure of the loan amount or why this inquiry was made. Not sure of what the loan would have been for. I wrote a letter to have the inquiry removed.
Consumer complaint received 2022-12-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I HAVE BEEN TIME AND TIME AGAIN COMPLAINING TO TRUIST ABOUT MY XXXX  XXXX, OF THE ABUSE THAT I HAVE BEEN GETTING. THAT THE XXXX XXXX NUMBER WAS NOT CORRECT. ABOUT LOANS BEING ADDED TO THE LOAN AGAINST THE EQUITY OF MY HOME WHEN I HAD NO EQUITY AT ALL, THAT PUT MY LOAN INTO A INTEREST BEAR LOAN. PAYMENTS I HAVE MADE DOWN THE YEARS WERE ADDED BACK INTO THE LOAN AS MISSED PAYMENTS ON TOP OF INTEREST. IN XXXX THE EXISTING XXXX XXXX AT A FIXED RATE WAS CHANGED TO A-ARM ADJUSTABLE FIXED RATE. I RECEIVED SOME DOCUMENTS OF A FORGED IRRRL VETERAN AFFAIRS COMMON BORROWER CERTIFICATION DATED XX/XX/XXXX AND ME SIGNING IT ON XX/XX/XXXX NOW IT IS A COMMA MARK IN FRONT OF MY NAME LIKE SOME OTHER MARKINGS WERE THERE SOMETIME BEFORE MY NAME WAS PUT ON THE LINE. AND AT THE BOTTOM OF THE CERTIFICATION DOCUMENT THE LOAN NUMBER LOOKS TO BE XXXX BUT YOU ARE SAYING IT XXXX ON THE TOP PORTION OF THE DOCUMENT AND BOTTOM OF THE OFFICIAL DOCUMENT THE XXXX LOOKS LIKE IT WAS FADED OUT. IT IS SAID THAT JUST ONE NUMBER CAN TURN A INDIVIDUAL LIFE IN ANOTHER DIRECTION. MY VA TECH PUT MY NAME INTO THE SYSTEM JUST THIS YEAR IN XXXX AND THE XXXX CAME BACK. FROM THIS XXXX DOCUMENT TO XXXX HOW IS THAT? THEN ON THE SAME DOCUMENT SAY I SIGN IT ON XX/XX/XXXX SOMETHING IS NOT RIGHT WITH THIS. IT IS SOON TO DATE A DOCUMENT XX/XX/XXXX ME SIGNING IT XX/XX/XXXX WITH AN UNIDENTIFIED MARKING BEFORE MY NAME. I WILL BE SENDING THE CFPB OF MY FINDINGS.
Consumer complaint received 2022-05-19
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 ()

I believe that it was a mistake to close/permanently limiting my paypal account. I am using my paypal account for trading as my way of helping the children to provide their needs in their school materials and expenses. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God Bless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2019-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I have made payments that were not applied to my Mortgage and loan modifications which in turn caused the me to be considered to have defaulted on the agreements I have requested that XXXX XXXX XXXX Such and XXXX and XXXX to show me where the payments went. Not XXXX of the Servicers showed where the payments went and they foreclosed and sold the house and are now trying to evict me. The only verification I have received was a print out of payments received by XXXX which show payments that were received but not applied to the mortgage principal. They claim that the balance was {$120000.00} as of XX/XX/2010. They show payments received after that date yet they did not come off the principal and they show I did not default on the modification. They also don't show an XXXX payment they received. XXXX claims they have repeatedly verified the debt yet they show NO PROOF OF WHERE THE PAYMENTS WERE APPLIED NONE. All they do is claim I have supplied no proof yet i repeatedly supply it. I HAVE ONCE AGAIN ATTACHED PROOF OF THE PAYMENTS RECEIVED WHERE IS PROOF THE MONEY WAS APPLIED TO MY MORTGAGE TO MY MODIFICATION!!!!!!
Consumer complaint received 2022-05-19
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. (NC)

XXXX, XXXX and Experian are reporting a charged off account on my credit report. the original credit is XXXX XXXX XXXX This account is over it statue of limitations to collect this debt and to be reporting on my credit report! I have asked several times for them to remove this information but for some reason they seem to continue to re-age the account. I am trying to purchase a home and this account is the only thing standing in my way. I have done everything that I can do to try to pay the debt including contacting XXXXXXXX XXXX informed me that they could not find the amount owed and that the account was over its statue of limitations to collect. And the Collection agency who had the account, informed me that the account was over its statue of limitations and they could not collect the debt. therefore there is no debt.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (NC)

XXXX, Equifax and XXXX are reporting a charged off account on my credit report. the original credit is XXXX XXXX XXXX. This account is over it statue of limitations to collect this debt and to be reporting on my credit report! I have asked several times for them to remove this information but for some reason they seem to continue to re-age the account. I am trying to purchase a home and this account is the only thing standing in my way. I have done everything that I can do to try to pay the debt including contacting XXXX XXXX informed me that they could not find the amount owed and that the account was over its statue of limitations to collect. And the Collection agency who had the account, informed me that the account was over its statue of limitations and they could not collect the debt. therefore there is no debt.