davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Giact Systems, LLC (FL)

On XXXX my sister cashed a federal irs check for {$1200.00} at the XXXX store # XXXX. XXXX, Florida location. She not only falsified and filed my federal income tax return but cashed the check using a service called GI Act. I learned this from XXXX XXXX XXXX. Ive never heard of GI Act, and plan to complete their complaint form as to how they claim to be experts at detecting fraud but allowed my sister, XXXX XXXX XXXX DOB XXXX, to commit federal crimes against me and against the federal government. I worked at a bank for 9 years and know the criteria for cashing checks and I also worked at XXXX. I would like an explanation from GI Act and have them be responsible for allowing fraud to occur using my credentials. This is not an isolated incident with my sister filing falsified federal income tax returns during the pandemic. Shes filed four total, each refund was for {$1200.00}. Thats {$4800.00} stolen from our government and from me. Im not okay with GI Act representing themselves as if they are linked to the federal government by the misrepresentation of their name. They are experts in allowing people to commit crimes by NOT doing any kind of verification because if they did, they would have known XXXX XXXXXXXX XXXX my sister is barely 5 feet. My sister is the ultimate criminal no doubt but who is GI Act for contributing to her crimes and misrepresenting themselves as actually being legitimate.
Consumer complaint received 2020-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NC)

On XX/XX/2020 this bill for XXXX dollars did not go through when it was on auto-bill.I reached out to the company and they said that they saw the the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (CA)

I purchased a {$100.00} VISA gift card from XXXX on XX/XX/20. When I tried to use it on XX/XX/20 for the first time, the card was declined. The card issuer, Blackhawk Network, said all of the money was used shortly after I purchased it. Blackhawk refused to help me -- customer service told me that they won't take any action 60 days after purchase. XXXX won't help me either -- customer service directed me to contact Blackhawk.

I have learned that thieves are stealing VISA gift card info by opening, then resealing VISA gift card packages. My card has an illegible CVV and a glue that can not be easily removed. 
XXXX XXXX XXXX
Consumer complaint received 2019-06-09
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: AMERICAN HONDA FINANCE CORP (PA)

I try to dispute Account from America Honda Finance because the account was on my report for 7 +years. I disputed this account with all 3 credit bureau and XXXX is the only one that deleted the item. XXXX and XXXX still remain on my credit report. The amount is {$9000.00}. I have been fighting this for 5 months now. Can you please reinvestigate. I would highly appreciate it. Thank You.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

I had an account with XXXX that was closed in XX/XX/2019 because the service didn't work. I returned all equipment that I could return and then COVID took place so the bill for the service was left outstanding. Recently, I spoke to IC System who sent a letter and disputed the amount owed and advised that they need to verify the debt. A few days later they placed the debt on my credit report. I paid the amount owed for service which was {$330.00} and they are refusing to update the balance they are reporting on my credit report of {$770.00}. I called and spoke to XXXX XXXX at XXXX XXXX est, who stated they will not update the credit report or remove the collection until the balance is paid or I settle for an additional {$160.00}. I also asked him to verify the debit and look into the dispute I placed about not owing the full balance they are reporting. XXXX said they are not going to make any changes or updates until I process payment for more money even if I don't owe the balance. When I asked to speak to a manager he was refusing to place one on the phone until I said I will take legal action against them. He then transferred me to XXXX XXXX who was extremely disrespectful because I corrected him on how to pronounce my name correctly and because I asked him the name of the previous representative. XXXX then stated that he was not going to talk to me and proceeded to disconnect the call before I could state my case. They are illegally trying to collect on a debt that is not owed, reporting incorrect information to the credit bureaus, and I do not owe IC Systems any money as I have never signed any agreement with them so they should not be reporting anything to my credit reports.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (IA)

On Sunday XX/XX/XXXX XXXX XXXX I had used my card T my local pharmacy to pick up a couple things, and came home, I later received a notification that my cRd had been used that same day in the amount of XXXX, at another retailer, and I immediately called the card and the girl canceled the card and said they would send paperwork that I needed to send back withing ten days, not only was that letter received after thier ten day date, they then told me that I would get no credit from them until after they took three months to clear it up, I then receive a letter from them just this week, explaining that no credit would be given because no error was found, I filed an online complaint with ic3 regarding the charge and gave what info from that I could, I contacted the reliacard back and they told me I could request thier transcripts but that too would take up to a month and that they had no i formation regarding the dispute and that there was no one I coukd contact because fraud departments don't talk to the public, I told the lady I don't agree with this and I want my XXXX refunded to me she basically said no in a roundabout way. I am not happy with this decision in any Form
Consumer complaint received 2019-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

I have an American Express Platinum credit card and so am a Priority Pass Select member as part of AMEX Platinum credit card benefits. I should have full access to Priority Pass lounges in airport globally per AMEX Platinum card benefits terms and conditions. However, when my family and myself flew from XXXX to XXXX on XX/XX/2019, we were trying to enter Priority Pass Select lounge - XXXX XXXX  XXXX in XXXX Airport . However, our access was declined by the lounge staff very rudely. Although I showed them my Priority Pass card as well as the proof that this lounge is in Priority Pass network, our access was still declined without any legitimate reason. They simply said that American Express Platinum credit card and Priority Pass Select card members can not access this lounge. 

Finally, we couldn't use this lounge at all, but instead we had to pay {$50.00} in airport restaurant to have breakfast for myself, my spouse and and my kid. Extremely disappointed with such horrible experience as an AMEX platinum card and Priority Pass Select card member. 

I request American Express to reimburse me {$50.00} for what we paid in Airport restaurant, because our airport lounge access was incorrectly declined by Priority Pass XXXX Airport Lounge staff.
Consumer complaint received 2021-07-13
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. USDA - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-05-05
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. (FL)

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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

I called XX/XX/21 to get an update regarding my dispute for the XXXX XXXX concert in XXXX, FL that was cancelled and postponed due to COVID. After providing supporting documents on four occasions, I thought the matter was resolved. Unfortunately, the rep stated an email was sent requesting the invoice, name and location of the event along with something that shows the show was canceled/postponed. I did not receive any additional request and am being made aware of this today. I am hoping these final documents can resolve this year long catastrophe. I am now being penalize for navy federal mistake. Instead on issuing a temp credit while they figure out whats going on with their system they take the little bit of help I received on the day it was deposited into my account.
Consumer complaint received 2019-06-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i transmitted {$370.00} by international wire transfer to a recipient in XXXX using my Bank of America account on XX/XX/XXXX. 

Bank of America is insisting that i provide passport and other information of the recipient. Upon receiving this request, i informed Bank of America to cancel the wire request and return the funds to me. 

Bank of America continues to insist that i provide the above, which i cant do since i can not force the recipient to provide. 

I have asked Bank of America and they have informed me that they will charge me {$35.00} for the transfer and hold my funds indefinitely. 

I have asked Bank of America to explain why they are doing this to me, but with 5 people from BoA on the email thread, nobody has offered any explaination why they are acting this way. There is no reason to dispute the source of funds, since it was from my employer through regular payroll. 

i feel intimidated and threatened by Bank of America. as a small consumer, i have no recourse against BoA and need help from CFPB to resolve this matter.
Consumer complaint received 2022-04-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC (TN)

This vehicle was repossessed by Global Lending Service in the State of Tennessee on or about, XXXX XXXX, 2019, and resold at an auction Under the laws of the State Tennessee UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I did not receive such notification, but I do know that repossessed vehicles are sold at auctions for what's owed, which exempts me from all contracts. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2021-07-13
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)

I reached out to transunion twice and filed a report immediately when the accounts appeared on my report to let them know it doesnt belong to me. Dates are XX/XX/21 and XX/XX/21. The still have incorrect information showing up. I took it up on myself to contact the collection agency who reported it without verify if the account even belong to me and contacted the company they are trying to collect for. The collection company sent me a letter stating they asked transunion to remove from my credit however transunion havent and I even call them again over the phone and they said file another dispute. This collection on my report is affecting my financially and this need to fix or action needs to be taken against transunion.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank closed my credit card without my knowledge and authorization. This prompted my credit score to fall drastically. I called the banking institution and they said they could not tell me why they closed my credit card account. I spoke to a manager who again, told me they can not tell me why the account was closed.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

Mortgage servicing transferred to Fay Servicing. Apparently my mortgage also sold during Covid period to an investor who apparently does not have to continue or consider forbearance options. I have applied via Fay 's website, supplying paystubs now that I am back to work ( was out previously due to XXXX and health issues ). Unfortunately, I can not convince Fay Servicing to refinance and/ or setup a payment plan for the arrearage and balloon structure the remaining balance. This would be good for all parties. However, all I have gotten from Fay is that I do not qualify and sorry they are going going to foreclose, although no date for that yet. I am beyond upset. Please help me. Thank you.
Consumer complaint received 2021-05-05
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. (NY)

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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: DISCOVER BANK (MI)

On XX/XX/XXXX, I requested a wire transfer of {$79000.00} ( approx. {>= $1,000,000} pesos ) with a {$30.00} wire transfer fee on Friday at XXXX p.m. from Discover Bank XXXX XXXX Bank in XXXX, XXXX. On XX/XX/XXXX, the wire transfer was processed. On XX/XX/XXXX, XXXX XXXX  received the funds from XXXX ( which I believe is XXXX XXXX ). The problem is that the amount received was only {>= $1,000,000} pesos ( approx. {$3500.00} USD less than I sent ). 
After verifying that the money was not taken by XXXX XXXX XXXX XXXX, I contacted Discover bank ( DB ) & spoke with XXXX XXXX XXXX XX/XX/XXXX. She said once they send the money to Federal Reserve they are done with transaction. So I asked her which Federal Reserve did they send it to, but she couldn't tell me which one or give me contact info. She did give me a XXXX number and I found a telephone number online of a Federal Reserve. I called but they said they only service banks and not consumers & DB could request a trace. I called DB back & spoke with a XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX & XXXX from XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. She agreed to do a trace. On XX/XX/XXXX I called her back, she stated she was still waiting for results. I called back on XX/XX/XXXX, XX/XX/XXXX and this morning XX/XX/XXXX and have left messages but not received a call back. I am frustrated, but I want the money someone stole from me returned. Can you please help?
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I receive a phone call supposedly from Citibank Fraud impersonating the bank and stating there was a fraud happening in my account I was under impression that it was a follow-up due to there's is a case already opened. After we disconnected the call, I received an email stating there was a wire transfer sent that I don't recognize. I contacted my bank right away and was able to freeze my account. The first wire was not stopped and able to send out {$1200.00}. I have a case number from Citibank Fraud Wire Dept. I was advised to file the Police and FBI report which I had done. I followed up with my bank and was told that they can't help me with getting my money back due to money was already sent. My complaint was denied. I was advised to seek someone to help me. Requesting help.
Consumer complaint received 2022-04-03
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)

FTC IDENTITY THEFT REPORT Attached Experian is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

3 Fraudulent ACCOUNTS XXXX XXXX XXXX ( Orginal Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Orginal Creditor : XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX