davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (CA)

I have been an American Express Card Holder since XXXX. I have been a Platinum Member with {$750.00} Annual Fee for 2 cards for several years. 

On XX/XX/XXXX, I called American Express to ask that a {$4400.00} charge be moved to pay over time, because I needed to help family members who were impacted by unemployment related to the pandemic I stated this was a cash flow issue that I was experiencing in the short term since they needed the money immediately, so I needed to spread this payment out over time. 

The agent stated that my pay-over-time feature had been suspended. I was unaware of the suspension and the agent said they had sent out a notice the previous year. I did not remember seeing a notice. 

The agent was cordial and accommodating and stated that she had contacted the pay-over-time department and the feature would be activated on XX/XX/XXXX or XX/XX/XXXX and if it was not to call in and have an agent move the charge to pay-over-time. 

I called back to the company on XX/XX/XXXX ( my payment due date ) when I was not able to move the charge following the agent 's instructions. The new agent told me that the pay-over-time feature was not going to be reactivated and I asked to escalate the issue to a supervisor. The supervisor and I talked but the issue was never resolved. 

On XX/XX/XXXX I paid the delta of the {$960.00} delta between the {$4400.00} and my remaining balance. The supervisor never resolved the issue or called me back. The put my account into collections. Collections has called me over and over and over again the past 7 days and the account is not even 30 days past due. 

I spend 2 hours on the phone with them again on XX/XX/XXXX and they stated the initial agent made a mistake and they apologized, but they were unwilling to do anything to work with me on the issue and would continue to put me into collections and reflect negatively on my credit.
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MA)

Monies were unavailable for nearly two weeks. In addition, after finally being able to login to my account yesterday, the balances do not make any sense and there is money unaccounted for. There is no pending activity but I should have {$300.00} more than is in the account. I am also missing two direct deposits that occurred during the time. Customer support has not been helpful. I was on hold for hours and also sent a letter. I was told that there was " nothing she could do ''
Consumer complaint received 2022-10-06
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: Nelnet, Inc. (FL)

XXXX XXXX XXXX XXXX : XXXX : XXXX XXXX : XXXX NELNET : XXXX : XX/XX/XXXX : XXXX, XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These companies above reported late payments to my credit report. Review below " IN ACCORDIANCE WITH THE FAIR CREDIT REPORT ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES A C0NSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USCS 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD UNDER AN OPENEND CONSUMER CREDIT PLAN AS A LATE PAYMENT FOR ANY PURPOSE ''
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (OH)

The MACY 's collections department ( XXXX ) sends automated calls to our office 2-3 times a day asking to speak to their customer with a " personal business matter. '' No one in this office has a MACY 's account or even shops there. 

After returning their calls, collection agents were asked to stop calling this number as the person that registered their account with our phone number can not be reached here. 

Their automated calls have continued for a week after being asked to stop.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : i contacted them 2 times XXXX/XXXX/2016 & XXXX/XXXX/2016 they never responded to me. 

1. The information is incorrect for the following account XXXX XXXX BANK XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The information is incorrect for the following account XXXX XXXX BANK XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The information is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX 5. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

8. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. The information is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-06-04
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. (CA)

XXXX, XXXX, transunion. 
These companies are continuing to report derogatory marks on my credit report without consent. Also, the government closed these accounts and they are still reporting. Remove these accounts immediately. Ive sent debt validations as well as affidavits of truth and still no response in the 30 days time. Under section 3.1.1 Furnisher Incentives and Disincentives, Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary, so please remove these from my report. 



US DEPT ED {$3100.00} US DEPT ED {$690.00} US DEPT ED {$1700.00} US DEPT ED {$1700.00} US DEPT ED {$4600.00} US DEPT ED {$3300.00} US DEPT ED {$4800.00} US DEPT ED {$3100.00} US DEPT ED {$4900.00}
Consumer complaint received 2015-10-07
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Plutos Sama, LLC (MD)

I have recently found information that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX as individuals and Representative ( s ) or Agent ( s ) of Fisher Law Group have submitting false evidence under the penalty of perjury into the XXXX Court XXXX XXXX XXXX XXXX. Fisher Law Group has foreclosed on the subject property in 2013 using the name of the original Secured Party Creditor and a license number that expired in XXXX XXXX XXXX XXXX XXXX XXXX Substitute Trustee under the penalty of perjury affirmed that the purchase of the subject property was fairly sold and bought at a fair price. The subject property was purchased by Fisher Law Group, PLLC, XXXX XXXX XXXX and auctioned by Auctioneer XXXX XXXX XXXX for XXXX Action. I have reason to believe the bidding and auction of the subject property were rigged by XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX. Sworn Affidavits filed in case number XXXX to also include the Assignment of Deed of Trust, the Deed of Appointment of Substitute Trustee and the Writ of Possession and Eviction filed by the Defendant XXXX XXXX XXXX of XXXX are in fact willful and deceptive violations of XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX and XXXX U.S.C. XXXX. There are many irregularities in the assignment of DEED OF TRUST and the process in which such DEED OF TRUST was allegedly transferred, conveyed, assigned, sold, recorded, etc. As asserted, these defects left the foreclosing entities without authenticating documentation to the property and without the authority to foreclose.
Consumer complaint received 2020-06-20
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 I purchased three airline tickets from XXXX XXXX. On XX/XX/XXXX I called back and canceled. I then contacted Chase credit card company, and reported what had happened. The reason for the cancellations given was " due to the COVID-19. The credit card company then proceeded to credit back to my card the amount of the purchase, which were for a total of three credits. 
One month or so later, I received what they termed a Rebill followed by some numbers, and XXXX XXXX. When I contacted XXXX XXXX, they stated to me that they were unaware of said charge. I waited while the agent double-checked and again he said " no there's no such charge ''. That I should contact my credit card company. Chase later explained to me that my card was debited three times, but credited four times. So, I said if there was an excess credit, why don't you just debit the card, and we're even, since I did not receive any goods or service. This should only be an accounting entry, and we're even. The lady went on and on about how I got an extra credit, and therefore I owe the amount of the airline ticket {$1400.00}, which I subsequently paid. But I think there is a trick, somehow. Because I ended up paying for something I got no benefit from.
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

They had FROZEn my credit report since XXXX XXXX credit monitoring had I had been TURNED DOWN for everything have been sick with XXXX since XXXX my kids and I had been homeless careless poor hungry and in dangerous living situations and XXXX problems because of this inaccurate that they caused me
Consumer complaint received 2017-02-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo refuses to send me loan statements to an account for which I am the legal payer. Wells Fargo also refuses to grant me online access to the account. Bank continues to send damaging reports to the credit bureaus regarding this account and refuses my request to remove the damaging reports. I am unable to manage the account accitvities without statements or access to the account. All of the above listed events amounts to the bank acting in bad faith. This is my second complaint issued thru this agency against Wells Fargo for the same issue. I am asking for direct intervention from CFPB in this matter. There has to be a law that says a bank has to send a periodic statement. How else can a customer verify that the bank is applying payments correctly or is n't doing something shady with the customers account.
Consumer complaint received 2023-03-30
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. (CA)

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX reported a debt by me to Experian. I disputed but paid it to remove. They did not send me a copy of my signature for debt ( XXXX ) and Experian said they verified the debt. Would not confirm how? I paid anyway to remove it but they also refuse to remove it. The original date was supposed to be XXXX but since extended to XXXX?
Consumer complaint received 2015-04-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (LA)

I defaulted on my private student loans. Back in XXXX, when I had obtained a stable job, I set up a payment plan and have been making consistent monthly payment ever since in what they told me was a rehabilitation program. However one day XXXX XXXX XXXX XXXX they stopped taking my payments then called threatening me and telling me to pay the full amount or they 'll garnish my wages. I 've made several attempts to make payment arrangements but they only want me to settle. I would like to settle, but I do n't have access to that large amount of money. They badger me daily. I 'm terrified and tired. Please help. I 'm really trying.
Consumer complaint received 2024-02-13
Product: Credit reporting 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. (CA)

Someone who probably has my information Applied to get credit card causing inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-06
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$190000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (RI)

I was a holder of Amex Premier Rewards card account since XXXX 2015, and in the past 4 months I had over {$6000.00} transactions in total ; I paid all of my payment well ahead of due date and never violated the terms by Amex. Everything was good until one day around XX/XX/XXXX, Amex called me and freezes my account requesting bank notary to prove my identity asap ; I offered to provide documents like passport scans, etc that could achieve the same goal as I have no idea what 's the notary and how to get it, but Amex insisted on it. I then went to all local banks but they refused to provide it for me and the branch managers also feel confused about Amex 's request. I did re-login my account to make sure the account was good on last Saturday, however when I was just about to call Amex to see if there is any other option they closed my account and voided all my XXXX rewards points ( worth {$320.00} at least ) ; there is also ongoing unresolved transaction dispute on my account while it 's cancelled. I was never notified by email or call, which I also later confirmed with Amex agents on phone. I instantly called back that day and the XXXX agent ( # XXXX she left me over phone ) also found it confusing, and guaranteed me that I will have my rewards point safe ( she said she can still see them on my account ) while she requests further investigations. She also said the back end says I requested to cancel my account but I really did n't ; I said phone record and website login history are proofs. Two days passed I still did n't hear back from Amex, so I decided to call back and the XXXX agents answered my phone ( I called XXXX ) are rude and impatient this time ; XXXX of them insisted that I requested to cancel it from what they can see, and once I requested them to provide evidence they refused. XXXX kept blocking me, and the other put me on hold and XXXX later hang on my call. All they repeated are my points are voided and they can do nothing to re-instate my account. Then I called the executive service line, this time the agent is patient at beginning, then after she checked my account for XXXX minutes, she said Amex did cancel my account for violating terms, but once I challenge it and ask for exact reasons, she refused to provide it and started to blocking me like previous agents ; she insisted there is no possibility to reinstate either the card or my reward points despite she ca n't provide any reason. I am really disappointed with Amex and right now the process could also hurt my credit history ; since Amex refused to solve my case, I want a solution from here to protect my rights to reinstate my reward points and get compensated for the time invested to solve the issue.
Consumer complaint received 2017-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MO)

I recently pulled a copy of my credit report and noticed a collection account by IC as I do n't recall signing any contract with a company by this name nor do I recall receiving any duns letter by them. so I send them a certified letter tracking number XXXX XXXX XXXX XXXX XXXX requesting for a copy of any viable evidence bearing my signature showing the account is being reported accurately. I also informed them as per FTC letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized documents does not constitute verification. being that I have that right under the Fair Credit Reporting Act and Fair Debt Collection Practices Act but they have refused to send as well as mark my account as disputed within the 30 days which is a violation of my rights under willful noncompliance as per FCRA 623 ( a ) ( 3 ) Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s- 2 ]
Consumer complaint received 2015-05-01
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I revoked my ACH option for the loan. The loan was forwarded to a third party collections company who made an attempt to represent a check to my back it was returned. I contacted the company on XX/XX/XXXX to let them know that they do not have permissions to present any checks to my bank. On, XX/XX/XXXX another check was presented and then I contacted the company they were hostile and were not appearing to offer a solution.
Consumer complaint received 2024-03-10
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: GOLDMAN SACHS BANK USA (CO)

In XXXX and XXXX of XXXX, I encountered issues with counterfeit items purchased via XXXX and XXXX, leading to disputes involving charges totaling {$2700.00} with Goldman Sachs Bank USA regarding my Apple Card transactions. Despite providing detailed evidence, including third-party authenticity reports from XXXX XXXX, my journey to resolution faced numerous obstacles. 

From XX/XX/XXXX onwards, I actively pursued resolution, encountering requests for evidence resubmission and delayed acknowledgments from Goldman Sachs. Despite these efforts, a conclusive resolution seemed elusive. In XX/XX/XXXX, a chargeback reversal was issued without my full evidence being considered, as later communications suggested. 

A Goldman Sachs representative contacted me on XX/XX/XXXX, promising a follow-up call the next day regarding the re-investigation of my disputes. This call never occurred. Instead, I received an email on XX/XX/XXXX, indicating resolution in my favor for one of the disputes but no mention or resolution for the second dispute, specifically the {$2000.00} charge from XXXX. 

The bank 's response to my CFPB complaint implied both disputes were resolved in my favor, with monetary relief granted. However, the absence of the second credit contradicts this implication, highlighting a significant discrepancy in their actions versus their communicated commitments. This sequence of events underscores not only a breakdown in communication but also a failure to fully honor the resolutions promised, particularly concerning the credit for the second dispute.