davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (FL)

I am XXXX XXXXXXXX and have applied for Social Security XXXX with input from my physician. 

I am unable to pay my American Express Credit Card because of my unemployment and that Im waiting on a XXXX decision. 

I received a collection call from American Express and advised the representative of my situation and immediately requested a Cease and Desist for all calls and e-mail communication. I requested that I only be contacted by mail. 

My C & D request required that I be placed on hold multiple times and transferred to multiple agents over a span of 27 Minutes! Near the 27 minute mark I was told that my C & D had been a

pplied to my phone numbers but I would need to be placed on hold again so another department could be contacted to C & D my email address. I could not wait on the phone any longer. American Express has implemented a Cease and Desist process that is unduly burdensome because no other company I have worked for or been a customer of has ever taken even just half the time that American Express took, and when I hung up my C & D request still had not been fully completed to include my email address. 
I demand that American Express cease all communications with me, and I believe their C & D process should be reviewed by the CFPB due to it being structured in a manner which requires lengthy phone calls which are unduly burdensome as demonstrated by my inability to stay on the phone for more than 30 minutes - not to mention the stress of that situation. 

I believe American Express has designed this process to be unduly burdensome to reduce the number of Cease and Desists that it actually completed due to customers getting frustrated and hanging up. 

Ive included a screenshot showing my XXXX minute call with their collections phone number
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2021-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (MN)

My student loan was converted to FFEL with Aspire Serving, and several years ago I inquired about PSLF and was told the loan was not eligible because it was taken out in the XXXX ; I was not told that I could consolidate to make the loan eligible. I also called sometime within the last two years about refinancing to a lower rate and was told we dont refinance our federal loans. I have been paying this loan for 20 years. I originally borrowed {$20000.00} and my balance is now {$40000.00}. I have worked for 20  years in public service, and if I had ever been given correct information when I asked, or better yet, had my servicer proactively provided information, my loan would have already been forgiven. I only learned this was an option today because I saw a news article on the CFPB report that was published.
Consumer complaint received 2022-06-21
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. (AL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2021, I wired from, XXXX XXXX to Chase Bank, both are my accounts an amount of {$16000.00}. The wire was returned for no reason, so on XX/XX/XXXX, I resent the wire between accounts and the amount was once again declined for no reason. I have made several phone calls between Chase and XXXX XXXX, who continue to say " Oh its coming ... '' First I was told the XXXX of XXXX, did not happen. Then told XXXX of XXXX did not happen. It is now XX/XX/XXXX and Chase has still not returned the wire sent from XXXX XXXX. 
Chase has failed to inform me of the status of the wire and does not give direct answers to my questions. I have been blatantly lied to by Chase representatives through this process about the availability of the founds and when they would post. 

It has now been over a week and my money is still in limbo.
Consumer complaint received 2022-06-21
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. (FL)

There was a mortgage release filed by XXXX  XXXX XXXX and it was filed in XXXX of 2022 a mortgage release indicates that the bank has acknowledged that the is no longer any mortgage on the property and has released it by operation of law that is the case here so the bank is potentially selling it as a deed in lieu of foreclosure and there are the value of the home is at XXXX XXXX dollars and the mortgage is about {$300.00} something thousand so it looks here that the mortgage has been satisfied in order to solve the property so account does not reflect that I feel that it should be deleted.
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (MA)

Turned in leased vehicle to XXXX XXXX XXXX XXXX, MA on XX/XX/XXXX. Upon returning home, cancelled vehicle registration and destroyed plates. After cancelling registration, advised XXXX and Honda Financial of cancelled registration. Both looked up XXXX XXXX to confirm. Received multiple correspondence from Honda advising of Final Statement of Debt, proof of Registration Cancellation. Upon receipt of Final Statement, payment was made. Also, when proof was submitted, a pro-rated bill for Property Tax for XX/XX/XXXX would be sent. Received Property Tax bill for whole year ( {$110.00} ), instead of a pro-rated bill. Sent letter with check for {$9.00} ( one-twelfth pf {$110.00} ) with " PAID IN FULL '' written on memo line. Received various calls from Honda 's collection department threatening if total payment was not received, they would ruin our credit. Both joint parties had reductions of credit scores from 800 's to low 600 's over XXXX and XXXX of XXXX. Please keep in mind that Honda filed for an abatement with the city of XXXX, MA. This means that they will not receive a financial loss, but the joint parties will and have received poor credit scores as a result of Honda statements to the big three credit companies. Letter was sent to you, but an incorrect address was on line. See attachments of letters and exhibits sent to XXXX, XXXX, XXXX, Honda, and yourselves.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 I was buying a car and the dealership kept running my credit after I told them run it once.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My mortgage was transferred to XXXX XXXX XXXX a few months ago. 

They sent me a letter telling me that my mortgage has changed to them and asked for my bank account info for payment - which I found suspicious since the loan number was different and I hadn't received anything saying XXXX XXXX XXXX was my new lender from my existing bank ( XXXX ). They had said my loan would be transferred to " XXXX XXXX XXXX ''. 

I called XXXX to figure out if it was legitimate or fraudulent. They had the right info about my existing loan so I ended up setting up my account and signing up for automatic payments over the phone. 

Then a couple months later I got a notice in the main that my account was delinquent. I called and it turns out that the automatic payments wouldn't kick in for 2 months ( which they never told me on the phone ), and once the payment was missed, the automatic payments were cancelled too. 

After calling I immediately paid the balance and called back to verify it wouldn't be reported as late to the credit bureau, but it turns out they had already sent the delinquent status to the credit report. 

They promised that they would fax letters to the credit bureaus to remove the negative marks, but that was several weeks ago and the negative marks still remain on the credit report. 

I've emailed and called them several times and still have gotten no response from them about the issue with my credit being resolved. 

The XXXX online presence is extremely dated and difficult to navigate ( e.g. to tell what the outstanding balance is or set up automatic payments ). In this case my flawless credit of XXXX dropped nearly XXXX points due to mix ups in their payment systems that weren't communicated to me, and now several weeks after I've paid the balance and discussed the credit issue with them they've failed to address it with the credit bureaus.
Consumer complaint received 2022-01-14
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: SLM CORPORATION (CA)

Since I had a money market account with SallieMae bank they advertised to get their credit card and Iif I spend certain amount of the money on the period I will get {$200.00} which I did open the account and that {$200.00} plus around {$40.00} for my spending was in my credit card account, last XXXX I find out my personal information is compromised and they try to get my money out of all my accounts in different banks and apply for credit card under my name and one of the banks and credit card was SallieMae account for that reason I spoke to the customer care center in the bank and credit card company and we decided to close the credit card and they transfer the money I had there around {$240.00} to my account in SallieMae. Since that time around month ago i called them more than 20 times and ask about the money credit card company saying they send it my account and bank telling me there is no money in my account. It's got to the point have no chose to report them for fraudulent activity.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OH)

On XX/XX/XXXX I received a letter from Convergent Outsourcing with a XXXX account number XXXX statement bill attached, under federal regulations this does not qualify as a " valid verification of debt ". 
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX  on the debt collection claim before he had mailed XXXX  the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 

XXXX  maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. 

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX  stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.
Consumer complaint received 2022-08-02
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. (NV)

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 Account # XXXX, has violated my rights. 
Company name : 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 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 2023-09-17
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

Columbia debt recovery LLC dba Genesis at XXXX XXXX XXXX, XXXX WA XXXX unlawfully reported to all credit bureaus agencies alleged debt as they claim for apartment complex in XXXX CO my previous residential place of living. Company listed above never notified me properly of what kind of debt were they trying to collect, suddenly after nearly 6 years for the first time I was notified from multiple federal agencies of collections placed on my credit as derogatory debt and that Columbia debt recovery LLC Genesis sold my information to third parties including dark web sites where my personal information are stored including social security number etc. I received one email from above listed company after they illegally already reported alleged debt to credit bureaus, I immediately replied and explained of what took place and that alleged debt is fraud. There was no response, in heated phone conversation service representative was injecting false claims without any legal factual evidence. He claimed debt was for unpaid rent which is not true because the XXXX XXXX XXXX in XXXX CO managed by XXXX breached the contract by sending 30 days move out notices and demand of move out notices meaning nobody cant continue residency there, owners and its managers broke the lease contracts not me, XXXX XXXX property manager sent move out notice to my door in XXXX, management by XXXX were engaging in deceptive practices and breaching Colorado warrant of Habitability Act. Apartment building was unfit for livable conditions and it was shut down by Federal Court order and its still shut down to this day. Owners knew even before that property was not fit for livable use, there was multiple lawsuits filed against them including criminal negligence for violating several federal and state laws. My unit was set up for automatic payments and the grand complex management unlawfully and fraudulently charged my bank account by withdrawing money without my knowledge or consent especially for the months I didnt reside on that property, therefore I had to escalate the case with local authorities and bank investigators investigated the case and concluded that management stole my money and they committed fraud. The grand apartments and its owners including management breached the legal contract not me they requested to move out and sent legal documents and demands to move out within 30 days and unlawfully continued to charge people for rent where we didnt live anymore, thats why they were sued. Columbia debt recovery Genesis violated FDCPA 15 U.S. C. 1692 ( j ) ( d ), therefore if immediately such fraudulent account is not removed from all credit bureaus I will immediately proceed with legal action against Columbia debt recovery LLC Genesis at XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by XXXX XXXX XXXX # XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a. As I mentioned in my initial complaint, I have never done business with this companie, and the information they reported on my credit report is completely inaccurate. Under 15 U.S.C. 1681a, I have the right to ensure that my credit report is based on accurate and verified information. I have already disputed this inaccurate information with XXXX XXXX, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX - XXXX, XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX ) DEPT OF EDUCATIONXXXX XXXX XXXXXXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX,
Consumer complaint received 2022-08-21
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. (SC)

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-06-21
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. (IL)

Hey My Name Is XXXX XXXX XXXX I have sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my credit report According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. Also They stated my account was verified but how is that possible if they did not do proper investigation according to the law. Also every piece of information on this account is not reporting 100 % Accurate. According to FRCA 15 USC 1681 Everything has to be 100 % accurate. I Have the credit report attached showing the inaccuracies. I marked red X by everything thats wrong also its reporting this account below Account- XXXX XXXX XXXX XXXX XXXX