davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I received a notification that XXXX XXXX  XXXX was a new account on my consumer credit report # XXXX. This account was previously deleted back in the year XXXX and I did not receive a notice from Equifax nor the original creditor XXXX XXXX  XXXX that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. This reporting is in violation of the law where it states that I must receive written notification that the account will be re-inserted within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ). I did not get notified.
Consumer complaint received 2018-06-01
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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (LA)

TD Auto has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. TD has failed to report any payments since XX/XX/XXXX.  These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX. 

I contacted TD Auto on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from TD saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I am writing to file complaint against American Express concerning misleading promotional offers associated with the addition of authorized users to my Amex Blue Cash Preferred Card. This issue pertains to a discrepancy between the promotional offers presented to me and the explanations provided by American Express customer service representatives, leading to confusion and a misleading consumer experience. 

As an American Express cardholder, I have previously added authorized users to my account under clear promotional terms without issue. However, a recent experience has prompted this complaint. Following a promotional link, I added another authorized user to my account under the impression that I would receive a {$25.00} credit after this new user spends {$500.00}. This offer was explicitly marketed to me as a benefit for adding an additional authorized user. 

Upon inquiring about the progress of this offer with an American Express online chat agent, I was informed, contrary to the promotional materials, that the promotion only applied to the first authorized user ever added to my account. This crucial piece of information was neither clearly communicated in the initial promotional offer nor in any subsequent communications I received. 

To substantiate my claim, I have included screenshots from my American Express account dashboard, where promotional links continue to encourage the addition of new authorized users with the promise of a {$25.00} credit. This ongoing promotion suggests that I remain eligible for the offer, thereby contradicting the information relayed to me by the American Express customer service team. 

Furthermore, the language used in the terms of the offer " Add one or more new additional card members... and you can earn {$25.00} for the first Additional Card Member that spends {$500.00} '' implies eligibility for this promotion beyond the first authorized user. This ambiguous wording has contributed to my confusion and the misleading nature of the offer. 

Given the discrepancies between American Express 's promotional communications and the information provided by their customer service, I am seeking the CFPB 's assistance in addressing this matter. I request a thorough investigation into these misleading practices and appropriate rectification to ensure transparent and fair treatment for all consumers.
Consumer complaint received 2020-06-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX/XXXX/XXXXDispute XXXX/XXXX  XXXXDispute XXXX  XXXX  XXXX/XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX   XXXX XXXX XXXX XXXXDispute US DEPT OF ED/XXXXDispute US DEPT OF ED/XXXXDispute XXXX XXXX XXXX filed ftc on all accounts
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (GA)

I was communicating well with the original company in charge of the debt, XXXX  XXXX. They gave me the information for the collection agency, Ive made several attempts to contact said company, professional account management. They stated if not disputed within 30 days the debt will be assumed valid. I have not been able to contact the collection agency to dispute within the time frame. Ive been on hold for greater than 2 hours every time I call.
Consumer complaint received 2024-02-29
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: TRUIST FINANCIAL CORPORATION (FL)

I subscribed to a XXXX year subscription to XXXX XXXX for {$170.00} in XXXX XXXX. A few days later I discovered I was charged {$290.00} under a transaction name of XXXX XXXX XXXX so I cancelled my subscription. I never received a confirmation email of the cancellation to verify the date of the cancellation so I didn't selection that option on the Cardholder Statement of Dispute Item : Credit Card form Truist sent me when I disputed the charge. 

I had other fraud charges around the same time that Truist reversed. I spent many hours in XXXX branches of Truist to settle this dispute. Truist kept saying to wait XXXX statement cycles, claimed they couldn't find emails I sent and kept saying they would resubmit it. I cancelled my XXXX with them many times, replaced the portal for my computer 3 times and got a new computer because of other fraud charges that where happening but reversed. 

Also, Truist said I am not responsible for charges so I subtracted them from my balance. They charged me interest in the amounts of {$31.00}, XXXX and XXXX. Also, I have a refund from XXXX 's of {$26.00}. 

I was told they resubmitted the complaint again and I should call XX/XX/XXXX. They denied reversal. This is a fraudulent charge. It should be reversed.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was laid off during the holiday season and with that came late fees on my debit card with Capital One, causing my account to go - {$95.00}. My taxes were deposited last week and when I went to access my account it was locked. The message stated that your account is restricted and any available balance may not be used. The deposited amount covered the negative balance and put my account back into a positive balance. However, I spoke with customer care on XX/XX/XXXX and they stated that there was no way for them to unlock the account and all they could do was transfer it to an internal savings account and then transfer said funds to an external account which would take 3 business days and I would be able to do that Wednesday ( XX/XX/XXXX ). I called again on Monday ( XX/XX/XXXX ) to ask if there was any way to expedite the process to which I was told no. That was impossible. I called again yesterday ( XX/XX/XXXX ) because the funds were not available in my savings account like I was told on three occasions and still locked in a restricted account. I spoke with two agents and then finally got hold of a supervisor who told me that the request wasn't even processed until Monday and that he didn't even have the option to do an internal transfer of my funds. He informed me that the only option would be to mail a check or process an external transfer to my XXXX XXXX account and I won't get those funds until this upcoming Monday ( XX/XX/XXXX ). I asked if there was any way for them to unlock the account even for just an hour so I could transfer the funds myself and if they could expedite them because I have a wedding to attend this weekend, I broke down on the phone because I've been having such a hard time in life lately and they are holding my funds, hostage. The balance of the locked account is {$610.00}
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (TX)

Better.com promises " If we cant beat a competitors price, well give you {$1000.00}. '' I gave them a competitors offer and they beat it. A couple days later, I gave them a lower offer. Better said they couldn't beat that offer and wished me luck. After I closed on my mortgage with a competitor I asked the rep from Better how to claim the {$1000.00}. They asked for the mortgage note and to resend the CD to prove that I closed on the same terms as were in the offer they couldn't beat ( I did ). A few days later they said I didn't qualify for the guaranty because they had beat one price for me, just not the final price. The terms of the guarantee do not make any qualifications like this. 
Better seems to rely on this term from the T & Cs : " Each borrower may only take advantage of this offer once per loan application. '' However, the " offer '' here isn't, " we'll beat any competitor 's rate, '' the offer is " If we cant beat a competitors price, well give you {$1000.00}. '' The only time I attempted to take advantage of this offer was when they failed to beat the price and I asked for the {$1000.00}. That only happened once.
Consumer complaint received 2020-06-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Compass Recovery Group, LLC (PA)

the Compass Recovery Group keep calling me in reference a debt i owe. i explained that at this time i am suffering an hardship and do intend to pay but right i can not. they threatened to take my home, garnish my pay check and called place of employment. i continuous is receiving phone calls from different individuals. they wanted to go in my checking account and take out money. i was sent an unofficial looking document after a phone call of trying to collect money from me. I am being harassed by the company and wants it to cease. 

i suffer from medical issues and trying to keep my employment.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (NV)

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX This creditor violated my rights under US1681 Section602 states I have the right to privacy. 15 USC1681 Section 604 ( a ) section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CIBC BANCORP USA INC. (IL)

I received an email that a Bancorp credit card through XXXX was opened in my name without me applying for it. My only resolve was to close a XXXX account I opened 25 years ago. This business XXXX credit card has XXXX credit limit. XXXX & Bancorp did not check with any credit bureaus where all of my accounts are frozen to prevent fraud. I need this fraudulent card application deleted and the card account destroyed. I did not apply for this business credit card. Someone illegally applied under my name and the proper measures were not taken running a credit check with XXXX, XXXX and XXXX where all of my accounts are frozen
Consumer complaint received 2020-06-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CNG FINANCIAL CORPORATION (FL)

Well unfortunately they have a third party contacting me telling there filing next I will be arresst again this loan is so old so I had no idea what is going on this was way back XXXX, I had given them a check from my account that was active again I havent lived in Texas since XXXX its now XXXX, now they telling me I have to pay right away. The Loan Company Is Check & Go, I Havent Heard From Them Since.
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

Failure to Validate Debt : there is a conspicuous absence of a purchase agreement substantiating the transfer and validation of the debt upon its acquisition by Resurgent. FCRA mandates furnishers to furnish a comprehensive validation of debt, inclusive of any pertinent documentation affirming the legitimacy of the debt. The absence of such documentation raises significant doubts regarding the veracity of the reported information and underscores potential violations of FCRA, PFCEUA/FCEUA, and pertinent legal statutes.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (NV)

The car dealership overpaid my loan by over {$1000.00}. They received the check electronically and are denying that they received the extra funds. I have provided proof that they received the payment and they have not refunded me.
Consumer complaint received 2024-02-28
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 (TN)

I attempted to purchase multiple different items online using my AMEX gift card. No website works. I tried purchasing items that were less than the amount on the card, still doesn't work. 

I am afraid to try and use it in a store and the same thing happen.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/2019, Bank of America presented me with an offer to open a new checking account. The offer promised a {$300.00} bonus for opening the checking account and completing certain activities. Bank of America presented the offer to me after I logged in to view my Bank of America credit card details. I have screen shots of the offer appearing on my account summary screen, as well as details of the offer terms. 

On XX/XX/2019, I opened a checking account on Bank of America 's website using the bonus offer link provided. I subsequently complied with the bonus offer terms - completing the required direct deposits and waiting the requisite amount of time for the bonus to post to my account. 

After complying with all of the bonus offer conditions, I contacted Bank of America on multiple occasions to determine why the bonus payment had not been posted to my account. Most attempts to contact the bank resulted in no definitive response, as the representatives were unable to provide an answer. On XX/XX/2019, I contacted Bank of America again regarding the bonus and was told that I was not eligible to receive the bonus because I did not received an email or mail piece targeting me for the offer. I explained to the bank that I was targeted for the offer on the bank 's website, but was told that I would not be eligible for the offer based on that solicitation. 

I believe that I am entitled to receive the {$300.00} bonus offered to me. I was targeted for the offer on the bank 's website ( after logging in ) and complied with all of the offer 's terms. The bank 's excuse that I was not targeted for the offer via email or mail is not a valid justification for its failure to comply with the offer that was presented to me by the bank on its website.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

I am filing this identity theft report in response to the derogatory remarks that JPMCB CARD ( CHASE ) and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with CHASE BANK. However, JPMCB CARD ( CHASE ) is reporting a fraudulent account to the credit reporting agencies with a balance of {$20000.00}. Immediately after I noticed this account, I contacted CHASE BANK. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that CHASE BANK can remove the fraudulent and derogatory remarks they report on my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS clearly defines a charge off as gross income or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
The IRS clearly says a Canceled or Charge Off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681S-2 says XXXX is furnishing information to a consumer reporting agency. 
You are PROHIBITED BY LAW to furnish inaccurate information. I DEMAND you to Cease and Desist the reporting of incorrect/inaccurate information immediately and delete the account. 

15 USC 1681S-2 ( a ) ( 1 ) ( A ) ( A ) Reporting information with actual knowledge of errors 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 2020-06-25
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. (GA)

Transunion refuses to removed unathorized inquiries on my credit. I advised them that I am unable to get a letter of deletion from the creditors. Their response was that if I am unable to get the letter, it will remain on my credit for all of two years. They have no other alternative and this is simply unacceptable. This is causing me unneeded distress and frustration by pulling my score down, where I am not able to qualify for a home.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: COMMUNITY FINANCIAL SYSTEM, INC. (PA)

I wrote a check for fuel bill which was XXXX which was only cleared for XXXX there was enough to cover check I just received new fuel bill with added fees and additional XXXX added on bill I clearly remember community bank charging me in the past XXXX. A day fees to them which caused me much financial distress as I was hospitalized and had XXXX XXXX XXXX with valve replacement and the bank didnt want to hear any of it .i think its fair I get XXXX a day for there error no matter what Ive had several issues with the community banking system and it time they make it right
Consumer complaint received 2019-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P. (KY)

It says date opened XX/XX/2017. {$330.00} was due. I had contacted them and told them this wasnt me, they said I still had to pay it so not sure what I need to do from here
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Please find attached copy of my recent credit report from XXXX credit reporting agency. On page XXXX of this report is currently showing an incorrect amount of tax lien from XXXX county, CA. recorded XX/XX/XXXX. Its effecting my credit score greatly in a negative way. I am hoping you can help me resolve this problem with XXXX county tax collector. I have filled a chapter XXXX bankruptcy in XX/XX/XXXX and the current amount showing on the report should be modified to reflect accurate modified judgment amount set forth by the court after the chapter XXXX BK filing. Presently, I am paying to new set amount of amount of approximately XXXX dollars {$4000.00} for which, I am currently paying in on instalments basis. Please, help me correct this issue with the XXXX county tax collector. I have tried calling and wrote letters to them in the fast but, they have not responded to any of my complaint. 
thanks. 
XXXX XXXX