davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Credit card or prepaid 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 (IL)

This is my second CFPB complaint regarding this issue. I opened an AmEx gold card on XX/XX/2021 with a {$250.00} restaurant credit promo ( which I received ) and XXXX membership rewards points after {$4000.00} spend. It has been nearly six months since I reached the spend and have yet to receive my points. I have called and messaged several times, each time being told to wait an additional XXXX weeks for the points to post. 

The response to my last CFPB complaint regarding this indicated I would receive separate communication which has not happened.
Consumer complaint received 2023-07-14
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. (GA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

VALIDATION AND CEASE AND DESIST Dear Sr : Re : Name : Address : Account # : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2023-07-14
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX 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
Consumer complaint received 2023-03-10
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. (IN)

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

After I received a copy of my credit report and discovering inaccurate and missing information being reported, on XX/XX/2022 I sent letters to XXXX and Experian about these information and asked them to investigate and remove those erroneous information from my credit report affecting my credibility. But unfortunately till this day I haven't received any correspondence from them in regards to my dispute. I feel my right to fair credit reporting violated and being ignored.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/23 I made a {$16.00} charge at a pharmacy in the airport at XXXX XXXX in the XXXX XXXX. 

The charge reflected on my credit card bill {$460.00} so I disputed the bill and Barclay Bank issued a provisional credit.

Barclay Bank requested a copy of my charge receipt but I did not keep it due to the small amount so I requested they provide a copy from the merchant. They indicated they don't do that and reversed the provisional credit to my account. 

I contacted the merchant XXXX times who acknowledged the error and committed to correcting it but will not. 

I wrote another letter to Barclay Bank on XX/XX/23 disputing the charge and requesting they provide me proof that I actually made the charge as required under XXXX. XXXX # XXXX paragraph ( a ) ( XXXX ) ( vii ). 

They sent a letter noting the case is closed since I can't provide them with proof of the charge. 

I spoke with a Senior customer service representative on XX/XX/23 asking what may be done and she indicated XXXX 's will not contact the merchant for the proof AND they will not issue another provisional credit. 

Not sure why they will not follow XXXX XXXX but it seems pretty clear to me.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Retail Merchants Associates (MT)

This organization called I love my Freedom ( ilovemyfreedom.org ) from Minnesota sells you shirts and other XXXX XXXX. If you purchase something in checkout your automatically enrolled in a monthly T-shirt Trial that you never asked for and have to pay for it. I tells you can cancel it but they never do cancel it. you continue to get your credit card charged. you contact them and they say they have high volume and will get back to you in 48 hours.When they contact you back they tell you there looking into it and then never gets back to you. Even if you send an email to cancel it never gets canceled. Someone needs to look into this problem because many are losing the battle with them as I am.
Consumer complaint received 2023-07-14
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. (PA)

Hello, I've been a victim of identity theft. My personal was stolen. I noticed XXXX XXXX that I have incorrect/ fraud hard inquiries on my credit report. The company reporting this is Equifax. The incorrect hard inquiries listed are Name : XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX OH, XXXX, Name : XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX FL XXXX, Name : XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX TX, XXXX.
Consumer complaint received 2023-10-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: TRUIST FINANCIAL CORPORATION (NC)

I'm planning to refinance my HELOC with another bank. I have requested a payoff statement from Truist Financal Corporation 3 times via written request ( XXXX XXXX XXXX   ) and once via phone XXXX  I was told on XXXX  that the previous requests were rejected and a statement could be mailed. As of XXXX  no statement has yet been received. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Through this message I wish to convey the harassment I've experienced from Portfolio Recovery Associates. This company has been trying to collect debts from memultiple accounts without my knowledgedating back to XXXX. Some accounts even had incorrect names or addresses associated with them. I have received letters regarding wage garnishment, and they have successfully garnished my wages based on judgments retroactive to XXXX and XXXX, all while lacking a reasonable basis for these claims. These unlawful actions have significantly impacted my physical and mental well-being. 

Additionally, Portfolio Recovery Associates has failed to properly investigate and resolve disputes related to their credit reporting. They are known for submitting misleading affidavits in debt-collection cases, falsely asserting their ability to prove debts if contested, and misrepresenting their legal claims on debts beyond applicable statutes of limitations. They have sold debt, threatened legal action, and filed lawsuits without the intent to substantiate the debt, along with making false representations. 

I have been a victim of this illegal bullying process, and enough is enough. I have rights under the CFPB, and I believe that Portfolio Recovery has violated federal consumer financial laws not only against me but against many others. I deserve a thorough investigation, and I intend to pursue legal action against this unscrupulous company that has evaded accountability for too long. Despite previous lawsuits, they continue their practices unchecked. Please advise.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 2023-05-23
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX  has violated my rights. Or a 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 an 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 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I have a quicksilver Capital one master card. I was trying to pay it off because of the high interest percentage rate. Capital one refused to give me a lower rate, even though I have never missed a payment, and have paid the card off more than once. So, I got a XXXX XXXX  flex card with a XXXX percent interest rate to pay the capital one card off. It paid the card off on XX/XX/XXXX, XXXX day after my payment of {$130.00} went through. So, because XXXX XXXX  did not pay the balance before the payment due date, it was an overpayment. Capital One, now says I owe another {$75.00} in interest from XX/XX/XXXX, to XX/XX/XXXX is {$75.00}. They say that my payment did not include that amount, as they are a month behind and that the interest I just got charged was for the next month. This does not sound right to me, I think I got charged an extra month that I should not be paying. I cancelled the card on either the XXXX or XXXX of XXXX. Could someone from your office please check into this matter? I do not believe what they are telling me.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (PA)

Experian XXXX XXXX XXXX XXXX, TX XXXX This company is reporting a debt collection " XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Acct # XXXX past due balance {$370.00} XXXX XXXX. 

I have sent multiply certified letters to this company requesting a contract with my signature on it relating to this collection or remove it. They have been unsuccessful in supplying with any original documentation of any sort and still the collection remains on my reports as accurate and verified. I have indicated that I do not know this company, I have never done any business with this company.This company does not have a contract with my signature. XXXX did the reinvestigation and removed the collection. I also sent this notification to the above company, No results.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (NV)

I have been having problems with EQUIFAX and I have carefully reviewed my credit report and I have been turned down for a credit due to mis-reporting information. I realized that there was a late payment on my credit report. I have always made my payments on time. For some reason. As you can see, I have always had a stunning payment record with this company. Can you tell me why? I think it is ridiculous. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please investigate and update it from my personal credit file. Thank you. 
XXXX  - XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

On XX/XX/2020 I walked in to XXXX XXXX XXXX weeks XXXX and I dont even know what I paid for any of it and I just got over loaded with documents to sign and so confused by all the information I reviewed over the last 11 months trying to figure out what Country place did to me. I could be suffering terrible from XXXX XXXX since for the last two years it has been XXXX my family and I. XXXX XXXX XXXX County place failed to disclose all of this and a survey of its aerial view of the XXXX XXXXXXXX pond that is just raining down on my family and I. 

I cant just sell my house because That means someone else would suffer the same fate. I dont even know what the result of damages this stuff does to you. Weve been bleached, termite treated and XXXX ponded all over by Countryplace mortgage Man I wouldnt have bought this house if I would have known about the huge XXXX pond over spray were getting
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (AL)

XXXX XXXX I received a credit alert about a collection account that I never received a call, letter in mail or email about this debt from 2017 until reported on credit report. This company is not compliant with the laws on contacting consumer of debt. The company failed to send a written debt validation notice including the amount of the debt, name of the creditor, and a notice of my/consumers right to dispute the debt within 30 days. 
I was told they didnt have to send letter. 
I have contacted the company with payment info and also made a complaint to them on their unfairness practice but I have not received any response