davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (CT)

American Express mailed me a promotional offer for a American Express Business Platinum Card, with XXXX American Express Reward points promised if I spent {$20000.00} within the first 3 months of opening an account and XXXX American Express Reward points if I spent {$10000.00} within the first 3 months. 

I have had an AmEx Platinum card before, and I specifically asked the representative on the phone, " Do I qualify for points even though I had a card in the past? '' She replied, " Yes, you do qualify for the points. '' I banked on her promise, accepted the card, paid the membership fee, and planned to use the points for a trip with my fiance later this year. 

Now, I am told because the XXXX explicitly say that those who have used this card before do NOT qualify for the points, I am no longer entitled to them. However, I DID EXPLICITLY INQUIRE ABOUT THIS ISSUE, AND I WAS PROMISED, BY THE REP, THAT I WOULD STILL RECEIVE THE POINTS BECAUSE I HAD NOT HAD A CARD FOR A LONG TIME. 

I want American Express to provide me with the XXXX points to which I am entitled : they send flyers to people promising them something, and if their marketing strategy is to deceive people who do NOT qualify for a promotion a promotion, they are acting in bad faith and should be punished for deceiving the public and causing harm to not only me, but those more vulnerable in society who ca n't assert their rights like I can. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TN)

The following accounts are violating my rights by report the following information to my credit report with the following late payments. In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681a2Ai states I have the right to privacy. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Ive recently requested verification of inaccurate accounts reporting on my credit report and received a response stating the account was verified and unable to remove accounts. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is requirea to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA you are required to provide this information within 15 days or delete the negative items from my report. Also, for a lender to CHARGE OFF any debt the lender that cancels or forgives a debt must send Form 1099-C to the IRS and the borrower. If I receive a 1099-C, I may have to report the amount shown as taxable income on your income tax return. This form was not sent which violates 15USC 1681eb which states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXXXXXX XXXX  ACCT # XXXX XXXX  Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX  Late XXXX XXXX XXXX  XXXX XXXX ACCT # XXXX XXXX Balance {$97.00} Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX Balance {$440.00} CHARGE OFF
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

according to my credit report best but cancelled my debt but it is still reflecting as debt. according to the IRS anytime a debt is cancelled it has to be filled as income on a 1099 c form. so based on what the IRS says it is income not debt. so my credit report is inaccurate. so there's inaccurate information on my credit report that needs to be removed. According to the FCRA my credit report has to be accurate and if its not it must be removed and if they don't they are breaking the law which I can sue. so I am asking best buy to remove this account off my credit report because it is inaccurate..The tax impact of debt forgiveness or cancellation depends on your individual facts and circumstances. Generally, if you borrow money from a commercial lender and the lender later cancels or forgives the debt, you may have to include the cancelled amount in income for tax purposes. The lender is usually required to report the amount of the canceled debt to you and the IRS on a Form 1099-C, Cancellation of Debt. There are several exceptions to the taxability of cancelled debt, such as insolvency or bankruptcy. according to the FRCA XXXX XXXX and XXXX must delete this information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Automatic Data Processing, Inc. (WI)

I have had my ADP/XXXX  Payroll Debit Card since XX/XX/XXXX. This past Saturday, XX/XX/XXXX, I attempt to use my card for services rendered at my vets office only to be told it didnt work. I knew I had an available balance of XXXX. I went to the local ATM to withdraw the cash to return to pay my bill to be told by the ATM, my card had been deactivated! With 21 million people out of work, 21 million people plus struggling to get by, XXXX/ADP/XXXX  puts a hold on my card aka MY MONEY, aka MY PAYROLL Direct Deposit Card until I prove to them I am who I say I am after nearly 2 years of transactions. When I called Monday XX/XX/XXXX, to find out what the problem was and I was told to submit umteen pieces of identification so they could be sure I was the owner of the card. Oh and by the way, this process will take 1-6 days according to them. In the meantime I HAVE NO MONEY! This Friday is payday again! another direct deposit and I HAVE NO MONEY and NO ACTIVE CARD. I have XXXX small children to feed, this company has NO right to just step in an deactivate my account - If my card had been stolen, or misused, I would have been the first to call. I am adult enough to figure that out! MOREOVER, I have an OFF/ON button in my app enabling me to turn my card off from being used if I need to. They have NO business arbitrarily doing what they did as a result! This action is simply egregious - Holding MY ONLY INCOME, then expecting me to upload serious documents over the internet that shouldnt be uploaded to ANYONE, so they can then spend the next week determining if it is in fact ME, the owner! This is inexcusable! I want my card reactivated IMMEDIATELY - Release MY money - I have bills to pay! I have children to feed! This company has some nerve pulling this given the state of this economy and nation! I will take this as far as I have to. This has simply gone too far. I WANT MY CARD REACTIVATED IMMEDIATELY!
Consumer complaint received 2018-12-03
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. (FL)

The collection agency properly can not verify this debt from XXXX XXXX XXXX after several validation requests yet it is still being placed on my credit report. I have written to the agency and the credit bureaus asking for removal. It has been more than 30 days since my request and they can not locate the information as requested and required by law. They never sent me a certified letter either as they claim and can not furnish proof by sending me the certified letter proof number. This is fraud.
Consumer complaint received 2016-01-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I want to respond to my complaint that I filed for # XXXX. The company that I have identified is part of XXXX ADDRESS : XXXX XXXX XXXX XXXX CA XXXX. XXXX. XXXX bank is working on behalf of IMPAC XXXX XXXX Corp. Mortgage Pass-Through Certificates, XXXX XXXX. I was sent a letter by XXXX XXXX XXXX and it was stated that XXXX was working on behalf of IMPAC and was my investor. I need help for my home and I want to keep my house. Please check to see if this Investor is legal and is being investigated by The Dept of Justice ( DOJ ). Please thanks.
Consumer complaint received 2023-12-30
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: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to express my continued frustration and dissatisfaction with the unresolved issue concerning the late open account entry on my credit report, despite multiple attempts to correct this discrepancy. As detailed in my initial complaint, I reported an inaccuracy in my credit report concerning the late opening of an accounts. Despite my efforts and your acknowledgment of the issue, the problem persists, adversely affecting my creditworthiness. I submitted a follow-up dispute, providing additional documentation and clarification to support my claim. Regrettably, subsequent to this second attempt, the late open account remains on my credit report, and I have yet to receive a satisfactory resolution to this matter. I understand that the credit reporting process involves careful investigation, and I appreciate the importance of accuracy in credit reporting. However, the prolonged presence of this erroneous information is causing undue stress and negatively impacting my financial standing. I urge you to expedite the resolution of this matter by conducting a thorough and timely investigation into the late open account entry on my credit report. It is my expectation that all necessary measures will be taken to rectify this situation promptly, ensuring the accurate representation of my credit history. I request your immediate attention to this matter and insist on receiving clear communication regarding the steps being taken to address this issue. As a responsible consumer, I have consistently provided the required information to facilitate a comprehensive investigation, and I expect the same diligence from XXXX Credit Bureaus. Please keep me informed of the progress made in this investigation and provide a specific timeline for the removal of the late open account from my credit report. I believe that prompt action on your part will help restore the accuracy of my credit information and prevent any further negative impact on my financial well-being. I am asking for your assistance to correct thIs late open account in my credit file XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 Balance : {$10000.00}.
Consumer complaint received 2023-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (TX)

I claim my name, I claim my mind, my soul, my spirit, my birth record as a member of XXXXXXXX XXXX, and I reject any assumption or presumption of being considered property within a trust under a UCC ; Uniform Fraudulent Transfer Act ( TUFTA ). It involves transferring assets or property with the intention to hinder, delay, or defraud creditors, which is essentially what the act aims to prevent or remedy. The Fraudulent Transfer Act. Could you please provide the documents related to how you comply with accounting standards such as XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX, XXXX  XXXX, and regulatory codes like XXXX XXXX? Specifically, I am interested in understanding how you handle the consolidation of Special Purpose Vehicles ( SPVs ) in line with XXXX XXXX or XXXX XXXX XXXX guidelines, and how you ensure compliance with risk measurement and capital requirements as per XXXX XXXX XXXX the practice of treating Asset-Backed Securities ( ABS ) transactions as off-balance-sheet items might be considered fraudulent under certain conditions. mens rea In All True-Sale, Disguised Loan And Assignment Securitizations, The Conflict Of Interest Inherent In XXXX XXXX Also Serving As The Servicer, Constitutes Fraud And Conversion : 15 U.S.Code 1681g 15 USC 1681g 1681g - Request for a full file disclosure and the sources of its information.
Consumer complaint received 2020-06-23
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: Bread Financial Holdings, Inc. (LA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCC Business Services, Inc. (VA)

About two months ago, NCC Business XXXX called to collect a debt from XXXX ( a rental company ). I asked NCC Business XXXX  for their XXXX  XXXX number and they told me they would call back. 

Today, XX/XX/XXXX, I had two conversations with them, they assured me that debt was not for damage, but for utilities. I asked them for their XXXX number, they would not give the number. The supervisor claimed that NCC complies with all local regulations.

I accessed the XXXX XXXX XXXX and printed out their XXXX number which was revoked on XX/XX/XXXX. I called back and informed them of this fact. This was on a recorded line on my side
Consumer complaint received 2016-02-05
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Healthcare Collections-I, LLC (AZ)

Company agreed that if I paid my accounts in full they would remove them from my credit bureaus. It has been over a month and they are still reporting on all XXXX bureaus. I have called them several times and continue to get the run around and no one can help me.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/2023 at XXXX I attempted to take {$500.00} out of the ATM at Citibank at XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX The machine shut down during the transaction and I did not receive my money. I reported it to the bank immediately and was told they were not responsible for the ATM since it was the drive up and not inside the building and that I had to report it to customer service since my account was debited the {$500.00}. At XXXX, I then successfully took {$500.00} out of the ATM inside the building, so there are 2 debits from my account on that day. I contacted customer service that day, but despite numerous conversations with the bank, customer service and the executive response team I was repeatedly told there was no discrepancy in the cash that day so I was lying and my money would not be returned. I filed a claim with XXXX XXXX XXXX XXXX as well as with the FTC, but have still not have my money returned. I requested that Citibank review the video at the ATM from that day but was told that information was not available without a subpoena. The executive response team informed me that I am at the end of the line and my money will not be returned I needed to stop trying to get my money back. 

All of this information has been shared with Citibank numerous times, but the response is the same. We are not responsible for the ATM outside the building.
Consumer complaint received 2023-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (NC)

I received a 1099C on XX/XX/2023 for the full amount of my student loans serviced by Sallie Mae. Once I logged into my account it was still showing a balance owed. I reached out to a customer service representative by way of chat and she proceeded to tell me they were not honoring the 1099C. I also sent a security by registered mail to XXXX XXXX  XXXX on pertaining to this promissory note and they forward the documents to Sallie Mae. Sallie Mae sent me a letter advising me they were not honoring the restrictive endorsement on my security and had received the documents from XXXX XXXX  XXXX XXXX XXXX. However, they have yet to return my security back to me. Later I received the 1099C and my account is still showing an outstanding balance. I've uploaded the 1099C to an email I sent for follow up with still no response as of yet and still no return of my security. 
I wish to have my account closed out, run back to me my tender, my security and forward my security interest to my XXXX XXXX  account because I also provided instructions with my security advising I rescind the security interest.
Consumer complaint received 2016-08-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: F.H. Cann & Associates, Inc. (IN)

This company F.H. Cann and associates keep calling me about a debt that my brother owes. This has repeatedly called my number even after I told them not too. I just want them to stop calling because I have no idea where he is and to my knowledge my brother never had my cell phone number.
Consumer complaint received 2023-11-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (CA)

I purchased a cashier 's check for US {$29000.00} on XXXX Two years later, I went to get a replacement at a Chase branch. The teller pointed out that the cashier 's check does not expire for 7 years. In fact, the cashier 's check reads " VOID AFTER 7 YEARS '' right next to the date of issuance. 
I went back in early XXXX XXXX XXXX to acquire a replacement for this cashier 's check and I was told my money was considered abandoned after 3 years and sent to the state as unclaimed property. If I wanted to get my money back, I had to start a claim process with the state of California and wait 6 months. 
I was never told that it expired after 3 years. None of the documentation states anything about 3 years.
Consumer complaint received 2016-11-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLATINUM HOME MORTGAGE CORPORATION (IL)

I was paying XXXX I received a letter that I have a shortage of {$7000.00} that I can pay it with in a month otherwise it will be collected XXXX/XXXX/2016. Once during this period you required escrow account balance be reduced to {$1300.00} as shown in XXXX.this amount representative cushion selected by us as allowed by your mortage contract as projected escrow account balance - $ XXXXand my required begging escrow according to this analysis should be {$2300.00} Im in shock how is it that mu payment went from XXXX to {$2300.00} Because
Consumer complaint received 2016-04-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (AL)

This is my third complaint against Elevate ( Rise Credit ). First, was a complaint regarding the violation of Alabama usury law and that consumer had paid in full. Second, Elevate knowingly placed a bogus 30-day late on my credit report and XXXX verified as accurate. In the meantime, consumer received notice from Elevate ( RiseCredit ) that account had been charged off and not paid in full. Third ( this complaint ), Elevate has placed a bogus balance on my XXXX credit report in which XXXX verified, immediately, via phone dispute. Consumer demanded another dispute. This company keeps playing games with my credit report.
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MRS BPO, LLC (CA)

I ended this account XXXX, l made sure account was up to date. Did not want problems getting a new account XXXX. Anyway this is XXXX there is the statute of limitations. 4 years
Consumer complaint received 2017-01-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (CA)

A company that poses as a collection company calling me that I owe them money using information of my address XX/XX/2007? and a bank that I used in that year BANK OF THE WEST. They claimed that I had a credit card from that bank and owed money from that bank?? I never did because I just got out of chapter XXXX in that year I had not lived there since then? They can not provide any other information but keeps changing their collection agency phone number and they are always XXXX PEOPLE? last phone number used XXXX
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (FL)

The charge is for XXXX equipment that was returned in a box with a tracking number that was provided by comcast. I have talked several times explaining this to them. I think it is settled and they put it back on my credit report again