davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received an Amex XXXX XXXX. This includes an email Congrats, XXXX! 
XXXX XXXX XXXX has sent you an award in the amount of $ XXXX. 
Are you ready for the really exciting part? You can redeem your award for gift cards from hundreds of top-name brands including retailers, restaurants and entertainment and travel providers. XXXX XXXX XXXXXXXX. 
And on there I clicked the link to view and redeem the card : XXXX : XXXX? XXXX which loads on XXXX XXXX XXXX XXXX XXXX XXXX After I redeemed the card, I received this email. 

Hi XXXX, To access your gift card and start using it, just click the button below. Its that easy. 

Be sure to keep this email so you can access your gift card in the future. 


American Express Virtual Reward Expry XXXX Amount {$500.00} View Gift Card If youre not able to see the gift card through the link, you can copy and paste the URL into your web browser XXXX XXXX XXXX Questions? Our Customer Service Consultants can help you out. They are available Monday - Friday, XXXX CT - XXXX CT and you can reach them at XXXX. 

Enjoy! 

Confirmation Number : XXXX Item Id : XXXX All purchase of gift cards are final. Gift cards are non-refundable. Expired gift cards can not be reissued. Expiration dates my vary by retailer as noted on the actual gift card. Once issued, gift cards are like cash and can not be replaced if lost or stolen. 

XXXX IXXXX | Privacy Policy | XXXX XXXX  XXXX XXXX XXXX I attempted to use the card on XXXX and the transaction was declined. I then tried again with XXXX with other amounts less than the full face value. 

I also added the card to my XXXX XXXX and tried contactless payment at XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and paying for gas and all the times the card was declined. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques (CA)

On XX/XX/2022, Hunt & Henriques LLP, a debt collector, sent me a letter attempting to collect an alleged debt they alleged I owed to XXXX XXXX XXXX. ( ATTACHMENT A ) On XX/XX/2022, Hunt & Henriques received my request for debt validation via certified mail ( ATTACHMENT B ). My response included a notarized AFFIDAVIT OF TRUTH ( ATTACHMENT C ) where I asked Hunt & Henriques ( debt collector ) to validate and verify the alleged debt according to my rights as a consumer. I also served them a notarized Cease or Desiste Notice ( ATTACHMENT D ) to inform them to stop all communications or attempts to collect his debt ( which I was in fact disputing ) until they have fulfilled my request for debt validation and verification. I also requested that they provided answers, point by point, to the affidavit I provided them with. This is so I can ascertain that this is in fact a debt I owed. 

On XX/XX/2022, Hunt & Henriques LLP sent me a notice ( ATTACHMENT E ) that did not comply with my lawful request for debt validation, verification and did not answer or rebutted any of the additional information I requested in the AFFIDAVIT I sent them on XX/XX/XXXX. Their response only included a COPY of a bank statement, and did not properly verify and validate the alleged debt. Fact, I, the affiant, am aware that an unrebutted affidavit stands as truth in commerce. 

On XX/XX/2022, Hunt & Henriques LLP, sent me a notice ( ATTACHMENT F ) threatening to start legal action against me for the alleged debt they FAILED TO VALIDATE and VERIFY despite the fact that I have, in fact, disputed such alleged debt. 

According to the CFPB, a debt collector must stop any attempts to collect debt until they have properly verified the alleged debt. This is not only an infringement of my rights as a consumer, but also a violation of the Cease and Desist notice they received via certified mail on XX/XX/2022.
Consumer complaint received 2022-06-16
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. (FL)

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act 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 2022-06-16
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. (NV)

Accounts Commonwealth of Va- closed account ( XXXX ) XXXX XXXX- closed account ( XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX- 4 inquiries 15 USC 1681 section 602 A , states I have a right to privacy 15 USC 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (OH)

According to the fair credit reporting act 15 usc 1681 section 602 states there is a need to insure that consumers reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared. 15 USC 6801 states it is the policy of the congress that each financial had an affair and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 says in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information neither do they have my written consent. Any and All consent to XXXX, XXXX, ( furnish of information to credit agencies ) verbal, nonverbal, written, implied or otherwise revoked. 15 USC 6802 ( b ) ( c ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer if given an explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) never informed me of my rights to exercise my nondisclosures option. 15 USC 1681C ( a ) ( 5 ) except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681e every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. I am opting out of your reporting services backed by 12 CFR 1016.7 A consumer may exercise the right to opt out at any time.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I've called First National Bank of Omaha numerous times on behalf of myself and my husband. We have a credit card with this bank that had a high balance which was paid completely off on XX/XX/year>. They've agreed to update my husband 's credit report to reflect the XXXX balance, but they've not updated my credit report to reflect this account has been paid in full. I've spoken to them as recently as XX/XX/year> and was assured by an employee named XXXX that she would handle the situation for me. 

I've checked my husband 's credit file this morning and his is stating correct info. My credit report is still showing a high balance owed to this company.
Consumer complaint received 2022-06-16
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. (MS)

I have tried to fix this with both parties and have yet to get a response other than it was verified. My attorney told me to make a CFPB complaint and upload this PDF so he can get this into our state courts to get fixed.
Consumer complaint received 2022-06-16
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. (IN)

XXXX credit bureau refuses to acknowledge the FAIR REPORTING CREDIT ACT which is a law they refuse to investigate correctly, they are allowing XXXX XXXX to report information on my credit report that is well over 10years old, FAIR REPORTING ACT says you can not attach report information on a consumer credit report that is over 7 years old, despite the fact that I have sent them documentation that proves this, they are allowing this collection company to FRAUDULENTLY report this as if it is a new debt when actually it is way past the statue of LIMITATIONS, this is causing a negative effect on my credit score and ability to obtain credit
Consumer complaint received 2024-03-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (NJ)

Dear CFPB Representative, This is a continued complaint connected to claim XXXX for Mr. Cooper and the mortgage investor. 

As I have mentioned earlier, the bank will make a faster and larger profit on the foreclosure on my home if sold through a sheriff sale on XXXX XX/XX/2024 and have attached documentation to prove it. 

The bank has shared the investor details which I initially obtained through my complaint to you. I have not received a copy of any modification rules as the investor does not have any such internal document. I have no clue to what modification rules they must follow for all mortgages they own. I have asked that this complaint stay open until this process ends as the bank is currently tracking both my mortgage modification request at the same time as the sheriff sale of my home. I dont trust them to do the right thing regarding my modification. I have also attached proof of the complaint and the bank has asked that I complete additional mortgage paperwork that I am completing now and hope to finish by this Friday. 

I expect the bank to obtain a windfall of profit off the sheriff sale to equal or exceed approximately {$180000.00}. Please see attached documentation to show over {$200000.00} dollars in equity that is lost to the bank due to an accelerated mortgage clause. The bank appears to be creating a modification loan based on the value of the accelerated mortgage and not the loans actual value. 

Please review the attached documentation that demonstrates the windfall of profit the bank and investors will gain in a foreclosure yo provide additional profit for the banking system when sold again. There is no incentive for the bank to work with any mortgagor due to the accelerated mortgage clause and this bank is working hard to quickly snatch my home and make a profit at the same time. Help!!!
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

As a result of the COVID-19 National Pandemic, I couldn't continue paying my mortgage, so I decided to apply for a forbearance plan with my mortgage company, Mr. Cooper. After exhausting the maximum time allowed, I worked with Mr. Cooper to address the situation and obtain a reasonable workout that would enable me to bring my mortgage current and make my mortgage payments more affordable according to my current financial situation. Finally, a few months ago, Mr. Cooper approved me for a set of three trial payments of {$2700.00}. I fulfilled my three approved trial payments. Unfortunately, since then, the servicer has been delaying the final modification documents that allow me to complete the process and begin with my regular payments. 
There had been weeks and weeks waiting for the final paperwork ; in the meantime, I continued making additional trial payments. 
Whenever I call my lender, Mr. Cooper 's representatives don't understand the real reason for this unnecessary delay ; they stated that they don't know why my case is breaking their own servicer rules, but the truth is that until today there is not a resolution. At this point, I am terrified of losing my home in a foreclosure sale due to the current past due balance due to my forbearance, which I can not pay.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OK)

I am working with a Debt resolution company called XXXX XXXX and on XX/XX/XXXX LVNV Funding agreed to a settlement offer of {$480.00} the original amount owed was {$1000.00}. This agreement was put into place before anything ever went into collections. On XX/XX/XXXX LNVN Funding put my account as collections when I have already been paying on this amount since XX/XX/XXXX of XXXX. I called LVNV funding to let them know they had already agreed to a settlement offer and they said it does not matter and that the collection would remain on there. I also disputed this with XXXX and it just came back verified and updated. I would like this removed off of my credit report since this debt was already resolved and being payed on before anything ever went into collections.
Consumer complaint received 2022-06-16
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  accounts numbers : * XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX  XXXX  XXXX 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 2022-06-16
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. (CA)

In accordance with the Fair Credit Reporting act XXXX accounts numbers : * XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX XXXX 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 2021-11-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Avant Holding Company, Inc. (NC)

I was sent an email saying that I was approved for a personal loan, sent me the contract in a PDF file and everything, looked legit, but then they wanted me to go purchase a {$500.00} XXXX gift card after depositing {$890.00} and change into the account, I gave them the info and now I realize after reaching out to the actual company that this was scam
Consumer complaint received 2022-06-16
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. (MS)

I have tried to fix this with both XXXX XXXX  and Experian. Neither one can show where this account was ever late and even sending in my credit card statements XXXX XXXX refuses to send anything to me. 

My attorney told me to make a dispute here with CFBP and get this PDF to Experian and file separately on both companies which I am doing so that we can get both into court here in MS
Consumer complaint received 2022-06-16
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. (OH)

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a XXXX XXXX from XXXX University, and it was closed XX/XX/2017. However, upon speaking with XXXX University 's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. 

Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I have disputed these credit card accounts XXXX XXXX XXXX XXXX for {$2900.00}, XXXX XXXX XXXX XXXX for {$5600.00}, XXXX  XXXX XXXX for {$1500.00}, and XXXX XXXX for {$310.00}. I filed an identity theft report. These accounts still have not been removed from my report. I have never had an account with these companies and would like for this to be removed from my credit report.
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (NY)

Misrepresentation and Refusal to Acknowledge True Value of Treasury Bonds Dear CFPB, I am writing to file a complaint against M & T Bank due to their misrepresentation of the value of my treasury bonds and their subsequent refusal to acknowledge or rectify their valuation. Despite my bonds having matured and accrued a significant amount of interest, M & T Bank has informed me that they are worth only a quarter of their actual value. Upon challenging this valuation, I was informed that the bank could not accept the bonds at their true value and was given no valid explanation or recourse. 

This response from M & T Bank came as a shock and has caused me financial distress, as I was relying on the true value of these bonds for [ specific personal financial needs, e.g., retirement, education expenses ]. The bank 's unwillingness to address this issue transparently raises concerns about potential unfair or deceptive practices. 
I have attached to this complaint all relevant documentation, including the original bond certificates, correspondence with the bank, and any other evidence that supports my claim. 

I am seeking a thorough investigation into this matter and appropriate action to ensure that M & T Bank corrects the valuation of my treasury bonds and compensates for any inconvenience and potential financial losses incurred. Furthermore, I hope that this complaint prevents similar incidents from happening to other consumers. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have had several XXXXapital One credit cards, and have paid them off. I have submitted several applications and every one of them come back stating that they will not open an account for me since my previous credit card was closed with a bad history. My Capital one credit card had never been late before I got in a car accident and had to file for bankruptcy due to all of the medical bills.
Consumer complaint received 2022-06-16
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. (FL)

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act 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 2024-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (VA)

I received a notice that I have a collection from ABILITY RECOVERY SERVICE on my credit report. It says it was opened on XX/XX/2023 for balance of {$1100.00} with account number starting in ********* that I am not aware of nor I am responsible for. I never went into business with this company or signed agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer. I sent a validation letter for information and was never sent anything. I Disputed through the credit bureaus and they sent some generic bill thats past the staue of limtations for the state of Virginia.