davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

On XXXX XX/XX/XXXX I transferred XXXX Points on American Express for an offer at XXXX Points making it XXXX Points to their partner airline XXXX XXXX. Using our rewards account number. 

However, the points were not received by XXXX XXXX. 
I raised a ticket with American Express first on XXXX, then by calling the XXXX Department on XXXX XX/XX/XXXX. 

I received no update from American Express within the 10 days they stated it would take for an them to investigate. 

I called back on XXXX XX/XX/XXXX and American Express stated they had closed the ticket as XXXX XXXX had " confirmed '' that the points were credited. 

However, they had not been and I can provide ( and have offered to provide to American Express ) the screenshot of the XXXX XXXX XXXX XXXX 's account to show this. 

I am dealing with XXXX XXXX under separate cover, however American Express have failed to adequately investigate this and I am their customer and the points are part of their reward program. I have had to forcibly ask them to reopen a new investigation and get evidence from XXXX XXXX. There is a new case number as of today below. 

My Complaint is XXXX fold : ( XXXX XXXX American Express has not exercised a reasonable duty of care or appropriate controls to investigate an issue with interstate transfers of reward points that have gone missing, nor kept me updated in any manner. I have XXXX tracking/scanning and no letter has been sent/received ( address is correct ). 

( XXXX ) There is a gap in the terms of service that should a failure occur between American Express and a Reward XXXX they have selected that is not the customer 's fault that there is recourse or ability for the customer to " be made whole ''. This point lost of XXXX is a return economy ticket from New York to XXXX to see elderly parents. That has deprived me of the ability to use the points that the money I have spent using this card, combined with the annual fee I pay for, should provide and is marketed to customers as a benefit. 

I understand technology issues occur, however in this situation there needs to be improvement for customer protection where error occurs between American Express and their vetted rewards partner to avoid a gap in appropriate controls.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (IA)

We received a " XXXX XXXX '' prepaid debit card as a gift last year. I always use prepaid gift cards on XXXX to get rid of them ASAP. This one would not work on XXXX, so I attempted to " register online '' as suggested on the back of the card to rectify. 

Long story short, before I knew it, I had inadvertently signed up for a more official prepaid credit card to replace the gift card. Upon realizing this, I figured I'd just use up the prepaid amount and cancel the card. Once I used the card, though, I quickly realized they charge a transaction fee, varying based on where it's used, and that the balance could fall below {$0.00}. 

Since I could not cancel the card with a negative balance, I was forced to " reload '' the card again to get to a positive balance and pursue canceling the card. It was then that I realized that Serve requires *exactly* a {$0.00} balance on the card to cancel it.

The problem with this requirement is : ( 1 ) it's almost impossible to calculate how to spend it to exactly {$0.00} given varying transaction fees, ( 2 ) they also deduct a maintenance fee every few months, and ( 3 ) their phone support people offered *no* other options and don't seem honest about what's going on or how they have " helped '' you.

At any rate, after calling them multiple times, I finally got them to offer refunding my card balance by check ( via mail ) so that I could cancel the card. I have never received this check, despite calling them at least 3 times and being promised it within 10 days each time.

On top this, if/when my balance is {$0.00}, they still require that I call back separately to actually cancel the card. I have zero confidence cancellation would happen before they had chance to charge me another maintenance fee, making my balance non- {$0.00} ( and now negative! ). If true, then the cycle continues - reload, spend to {$0.00}, attempt to cancel...

I laid all this out to them on the phone. They remained unwavering to the possibility of cancelling until my balance is {$0.00}, though. Nor did they send *any* promised email verifications of my requests and/or their processing of them. ( E.g. notification of the check they were to send for the balance. ) As such, this seems a scam.
Consumer complaint received 2021-05-19
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. (IL)

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2023-02-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: I.C. System, Inc. (NY)

the collection account is reporting an active payment history and there's no contract between myself & I.C. Systems nor XXXX making it impossible to have a reported payment history as they are not the original creditor. This collections is reporting every month from XX/XX/22 XXXX
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX continously sends me, XXXX XXXX, a fraudulent account debt owed. It states its by Capital One Bank for the amount of {$360.00}. I, XXXX XXXX, have made disputes for this previously and they are now attempted to collect this fraudulent account once again. The account is stated to be under XXXX ' and I would please like to get this removed, as I am and have always been unaware of this accounts origin and have been disputing for years.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the following accounts : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX : Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and provide proof with statements showing that these late payments were late. If proof can not be provided, I demand these payments be updated as on time as they should because I was never late.
Consumer complaint received 2023-02-01
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Paramount GR Holdings, LLC (FL)

In XXXX of XXXX, XXXXXXXX XXXX came to our brand new home and sold us solar panels. XXXX XXXX went through GoodLeap to finance the solar panels. My spouse and I been paying {$180.00} plus interest, along with paying our electric bill with XXXX averaging {$400.00} a month to only find out that XXXX XXXX XXXX XXXX  no longer exist as of XXXX of XXXX and have closed their door. We never have utilized the solar panel system, or had permission to operate advised by XXXX because inspections failed. We contacted GoodLeap to cancel the loan, which they said no to, but we do have have the service and they advised we will also pay accrued interest if we stop payments on a service that we never used. The service has been breached and GoodLeap advised they were going to have a contractor out a month ago, but they did not follow through, but threatened to send us to a collection agency if we stop the auto draft payments from coming out of our bank account on the XXXX  of each month, but we received the service for. We want to cancel this loan with Good Leap and get reimbursed for our payments plus the interest we paid on a service we never received and not to be financially penalized. This account originated between XXXX XXXX XXXX XXXX XXXX, GoodLeap, my spouse and I terms, but due rot XXXX XXXX XXXX XXXX breached the agreement and terms, and we never received the service we are still paying on is just been a nightmare for my family and I.
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (VA)

XX/XX/XXXX went into contract with XXXX for home internet device. 

XX/XX/XXXX In store, XXXX XXXX, VA. I cancelled service and was advised return label for router will be mailed to me to ship box back to XXXX 

XX/XX/XXXX Still no return label. I received a service disconnect notice. Call made to XXXX. No help. 

XX/XX/XXXX Still no retun label. Called XXXX. Return label emailed. I shipped router. 

XX/XX/XXXX I see addition to my credit report. Multile contacts made to XXXX. Was advised account was never cancelled and I was continued to be billed. Rep confirmed router via shipping label and id #. He advised it will be handled. Confirmation emailed requested. 

XX/XX/XXXX A settlement offer was sent by IC System for 50 % off a {$84.00} balance from XXXX. 
XXXX made to XXXX no help. 

XX/XX/XXXX I was advised by XXXX. Unable to access my account. Due to collections.
Consumer complaint received 2020-07-07
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. (TX)

I began disputing a negative item XXXX XXXX  XXXX XXXX that was reporting on my Experian credit reporting account in XXXX. I disputed through written communication on the following dates : XX/XX/XXXX ; XX/XX/XXXX and XXXX.I also filed a previous complaint to the CFPB ( XX/XX/XXXX ) for resolution and nothing was done to assist with this matter I never received any resolution with my disputes with Experian. I then sent a XXXX letter directly to the company XXXX XXXX  XXXX XXXX with no reply STILL to this date. I request immediate deletion
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NC)

This company ( Midland Credit Management ) keeps contacting me at all hours of the day every day of the week even though I am not the person they are looking for. I have recieved over 100 calls relating to the person and I have told them every time that the person they're looking for is. Ot at my phone number. I have blocked the phone numbers used by this company several times and they call back with different one looking for the same person.
Consumer complaint received 2020-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX  , XXXX  , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your company 's unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications .1 PARAMOUNT RECOVERY acct. # XXXX bal. {$1700.00}
Consumer complaint received 2020-08-29
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: National Credit Systems,Inc. (TX)

I have a loan with XXXX XXXX, NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-03-22
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. (AZ)

I do not believe that I should be liable for the amount that they are saying I owe them. The original amount {$2200.00} that was given to me when I declined the " chance to not upgrade my vehicle '' and the poor customer service I was given that day. I was provided documentation which states the amount that was given to me. They then reported an amount of {$4900.00} to the credit bureaus. I contacted the company and spoke to XXXX who indicated that I owed over $ XXXX. She then sent me the documentation indicating I did indeed owe over XXXX. With the lack of correct information that has been given to me over and over with this company proves inaccuracy. Again I am requesting for it to me removed from all three credit bureaus as they have proven inaccuracy numerous times and Under the Fair Credit Reporting Act ( FCRA ), you have a right to the fair and accurate reporting of your credit information.
Consumer complaint received 2021-05-19
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. (IL)

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave Experian any written consent to report anything on my consumer report. No consent is Identity Theft
Consumer complaint received 2020-08-29
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: DISCOVER BANK (TX)

I have a loan with DISCOVER PL, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and XXXX ( Original Creditor : XXXX JXXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DISCOVER PL, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-01-31
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. (CT)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I applied for a credit card with XXXX under the constant pressure and recommendation through an bombardment of emails from Experian stating that by getting another credit card from one of their partners it would increase my credit score and lessen my debt ratio. However on XX/XX/XXXX my credit score dropped XXXX points from Good XXXX XXXX XXXX to Fair XXXX XXXX ) due to the fact I was denied by XXXX without reason despite my Good credit score and exceptional payment history of never being late with a payment. This happened again on XXXX XXXX, XXXX causing my score to drop another XXXX pts. Experian sent emails nearly everyday telling me to apply with their partner only to be denied twice and causing my credit to drop 16 pts. If this is their partner they should know exactly what they are looking for, because otherwise this appears to be a set up to intentionally worsen one 's credit. I sent them a letter last year about this behavior and never received a reply. Also I called on XX/XX/XXXX and spoke with XXXX and informed her that there are three ( 3 ) inquiries on my report that I did not authorize and that the only one I did was XXXX  on XXXX XXXX, XXXX. She said that they will remain for 2 years. This decreased my score by 4 pts. Also on XX/XX/XXXX I decreased one of my credit cards from nearly {$6000.00} to {$1200.00} and my scored dropped 13 pts to XXXX. This should never happen when someone pays over {$4000.00} to lessen their debt. Then on XX/XX/XXXX my score decreased again by 5 pts. to XXXX after I acquired an auto loan. This after receiving emails from Experian about everyday telling me that if I acquire an auto loan it would help my credit. Experian has done nothing but sabotage my credit on purpose with their misleading and false emails. I want my credit restored to Good and for them to stop sending me anymore false and/or misleading emails that are definitely not going to help my credit. Again they need to know the exact criteria of their so called partners for approving credit without chance or fault. Otherwise they are only sabotaging and destroying one 's Good Name and Credit worthiness.
Consumer complaint received 2023-01-31
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. (MO)

I have attach proof my account statuses for XXXX and XXXX that were never late. XXXX XXXX was paid off result in an overpayment. XXXX XXXX  listed on reports with a balance of {$31000.00} only show a remaining balance of {$1100.00}. XXXX XXXX was resolved after negotiation regarding restricted status. 

I am letting you know you did not have my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports. You also need my written consent to report anything outside permissible purpose and by law must send required disclosures before you can report anything to my file. Nothing that is information can report to my file without permission. 15 U.S. Code 1692g - Validation of debts, I am the only one that can validate any of my information.