davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX XXXX, I placed an order to install custom drapery for my home with XXXX XXXX, decorator for XXXX. I signed the contract and the drapery was to be installed within 8 weeks. 
After waiting for more than 19 weeks, I was appalled that the wrong drapery style was installed. After the installation I showed the contractor the style I and the decorator agreed on, he said that is different style. He said he will contact XXXX, the decorator. The same day I texted a picture of the newly installed drapery with the style I ordered to see the difference ( see attachment ). The difference is obvious. At first she was trying to convince me that it is the same style. The same day I emailed the store manager about the issue. She emailed me the next day and said the she will look into the issue. On Friday XXXX, XXXX came to my home to see the installation ; She saw that the wrong style was installed. She said she would email her supervisor to see what the next step will be. 
On XXXX, XXXX, XXXX she called me and said that she will not redo the installation. I will have to pay for a new order in full and she would give me 50 percent off on the previous order ( The wrong style ).. This means I wont get reimbursed for the wrong style that was installed. I would have to pay in full for a new order, and then she will give me 50 percent off on the wrong order, which was her fault. 
Since they refused to help, i disputed the charge with Capital One. Unfortunately Capital One did not try to resolve the dispute. Though i sent all the documents to show that i was misled by the decorator, Capital one did not try to resolve the dispute in good faith.. On XXXX, I called Capital One again and asked to speak to a supervisor. I spoke with XXXX, who was on the phone with me for more than 45 minutes. She said there is nothing she could do as i still have the custom drapery. It should be noted that the drapery was installed, and per the contract i was not allowed to return them once they were installed. XXXX called XXXX and asked to speak to customer service. Unfortunately they kept transferring her back and forth to the wrong department. At the end she called the local store and left them a message to call me. They never did. 
The text messages I exchanged with XXXX ( the decorator ), and the pictures of the style I was expecting, and the style installed showed that I was misled tremendously. 
The evidence for the case is overwhelming. I have attached pictures for the style installed, and the style I was expecting. I have also attached a copy of my email exchange with the store manager, and my text message exchanges with the decorator. 
I had two decorators come to my home to check the installation. They both said it is not the same as the one XXXX agreed to order. 
I am disputing a total charge of XXXX dollars posted on XX/XX/XXXX I have attached supporting documents
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

I have been an American Express card holder since XXXX, and a Platinum card member since XXXX. American Express pulled a " bait and switch '' in their issuance of a Platinum card to me. An employee/agent of American Express stated to me that upon the condition precedent of having to pay the entire balance of the card every month the quid-pro-quo is that there is no spending limit on the card. My wife of XXXX  years XXXX XXXX in XXXX, XXXX after a long and anguishing XXXXXXXX. I made arrangements with a XXXX XXXX for the XXXX XXXX  and the service. The XXXX XXXX  advised me that they accepted American Express and therefore not to worry about the charge. However, on the day of the XXXX  American Express refused the charge, I was shocked and enraged beyond words. During this time of immobilizing grief I had to suffer the further embarrassment of having to tell the XXXX XXXX  that I was not able to pay on that day. Fortunately the XXXX XXXX  was understanding, and I wired them the money a few days later. I was marketed and induced to pay additional monies for an American Express Platinum Card on the assurance that there would be no spending limit as long as I paid my bill in full each month, which I did for over 40 years.
Consumer complaint received 2018-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (SC)

I CONTACTED SEQUIUM ASSET SOLUTION @ XXXX & XXXX DUE TO THIS ACCOUNT SHOWING ON MY XXXX CREDIT FILE AND THE ACCOUNT IS NOT MINE AND DOES NOT BELONG TO ME. I SPOKE W/CUSTOMER SERVICE REP WHICH MADE HER MANAGER IN COMPLIANCE ( XXXX XXXX-MANAGER ) AWARE OF WHAT HAS HAPPENED AND THEY VERIFIED WHILE I WAS ON THE PHONE THAT THIS ACCOUNT IS IN FACT ( NOT MINE/DOES NOT BELONG TO ME ). I WAS TOLD THAT THIS ACCOUNT {$930.00} WHICH STATES WAS OPENED XX/XX/18 WHOULD BE PROMPTLY DELETED. CALL REF # XXXX. 
SEQUIUM ASSET SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX # XXXX EXT:XXXX ( COMPLIANCE MANAGER XXXX XXXX ) HAS NOT DELETED THIS ACCOUNT FROM MY XXXX  CREDIT FILE. I AM ALSO FILING AN ONLINE COMPLAINT WITH THE FTC.
Consumer complaint received 2018-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (FL)

Merchant contacted many times. See prev complaint XXXX where merchant failed to acknowledge previous contact attempts. Merchant advised does not have a contract of service where service was to be performed. Merchant is attempting to collect a debt for services not contracted/requested. XX/XX/XXXX ; XX/XX/XXXX ; XXXX- No calls or voicemails received from merchant. No letters, service contracts, signed bill of sale or supporting docs received from merchant. I have attempted many times to get this information yet the merchant does not answer the phone. Only contact was in XXXX by phone in which no docs supplied to me either. XXXX disputes contained a request for supporting docs but merch is denying this. The lack of communication by the merchant has prevented me researching this debt as well as having the proper information to support the charge. I feel merchant is using deceptive and abusive tactics due to lack of letters, supporting info, req for docs unfulfilled, false statements, and failing to answer phone after multiple reasonable and prudent attempts. I believe this merchant has committed a UDAAP violation and is attempting to collect a debt for a service that was not contracted/requested by me.
Consumer complaint received 2018-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc (FL)

In XXXX discovered an erroneous/fraudulent mark on my credit report from XXXX XXXX XXXX ( XXXX XXXX XXXX , XXXX, MD XXXX ) and Bay Area Receivables ( XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX ). I contacted XXXX XXXX XXXX and informed them of the mistake. I contacted Bay Area Receivables and informed them error. I filed a dispute with the credit reporting agency XXXX. 

I mailed XXXX XXXX XXXX and Bay Area Receivables certified letters requesting they produce competent evidences that bares my signature to provide I owe this debt within a reasonable period. 

Furthermore, I requested until they could produce competent evidence no future actions should be against me. At the end of a reasonable time if they can not provide competent evidence proving the erroneous debt they remove the erroneous mark from my credit report. I filed a dispute with the credit reporting agencies simultaneously. 

I received delivery conformation both letters where delivered from the US Mail service, but no response from either XXXX XXXX XXXX nor Bay Area Receivables. XXXX removed the mark from my credit report. 

In XXXX I discovered the erroneous/fraudulent mark on my credit report. I responded by sending a second letter to both XXXX XXXX XXXX and Bay Area Receivables followed by another dispute with XXXX. I did not receive a response from any parties, so I contacted XXXX XXXX XXXX via phone. The accounting/billing department told me we had no record of the debt. 

I have no recollection of this debt nor have I ever received validation from either party to the validating the debt or the soundness of the report mark. This is a medical bill on my credit report! 

Today, I discovered the mark on my credit report once again. I contacted XXXX   and filed another complaint. I contacted XXXX XXXX XXXX via phone. The Vice President is having a letter drafted stating this is an erroneous account. 

The alleged debt is a medical bill dating back 8 years. I have never given anyone authorization to report medical debt on my consumer report. I am demanding it is removed today!
Consumer complaint received 2018-09-09
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: LEXISNEXIS (OH)

LexisNexis is report an at fault accident for me in a car I never owned or drove. The accident occurred in XX/XX/XXXX. I was hit by the driver and owner of vehicle LexisNexis is showing me as owner and at fault. The vin # of the car show me not the owner or driver. LexisNexis is reporting false and incorrect information. I went XXXX XXXX Agent they show from Lexis Nexis I had an at fault accident driving a XXXX XXXX I don't own or have ever drove. This has cost me higher premium or denial of insurance coverage. LexisNexis also have another person connect to the report they provided to me. This has cause insurance agents to ask me if this person resides at my address. XXXX agent on Friday XX/XX/XXXX corrected the false information in their system once I took proof from my insurance company that I never owned or insured the car they are saying was my and at fault. I took proof from the insured company showing their client was at fault with that vehicle. However, it is still being falsely report on other agents checking LexisNexis site. If I had the document before XXXX corrected their system I will be taking this lying, false report fake Lexis XXXX to court, If I get a copy of that report they will be in court. For 5 years I have paid a higher insurance premium at their stupidity. XXXX XXXX IS LISTED ON THIS REPORT FROM LEXISNEXASS. WHY? Is XXXX on the report you sent me? Maybe XXXX XXXX can sue Lexis Nexis
Consumer complaint received 2018-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

Caller asked for " XXXX XXXX '', who is unknown to me. Asking for identification, they refused to give that information, stating that this was a " personal business matter '' for the aforementioned person. Their number showed up as one from XXXX, NC, and after calling them, I discovered they are located in XXXX, FL and go by the name of " Diversified Consultants Inc. ''.
Consumer complaint received 2018-06-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

On XX/XX/2018 I received a phone call from a man who said he was calling from an attorneys office and during the phone call said that they could possibly garnish my wages and that I needed to set up a payment arrangement of 3 bi weekly payments of {$100.00} in order to avoid them garnishing my wages ( prior to this phone call I had never heard of this company or been notified via mail or phone that my file had been transferred to a collection agency ) .I asked my girlfriend to call him for me because she works in the XXXX XXXX and understands the process more than I do. She was able to talk to him regarding my debt without me having to give authorization he asked her if the last 4 of my social was -- -- and asked her for my birth date and that is the extent of his verification, he after all of this told her that the call is recorded. She offered to have me get on the line and give authorization before he tried to verify my information with her, but he did not require her to do so. He told her first that their office doesn't make outbound calls after calling me not even 30 min before that. He also told her I owe {$310.00} and that I can make payment arrangements but that they have not attempted to take legal action yet. He claimed that he did not say they would garnish my wages but that if they decide to further legal action they could possibly do that after she told him she works with the legal department of a collection agency. He said his name is XXXX XXXX and the phone number she reached him at is XXXX he said his ext is XXXX. She attempted to call back about 5 min later to get the name of the company but no one answered the phone and the voicemail stated there name is XXXX XXXX XXXX XXXX. and that their office was closed. I feel extremely violated. Not only have they been consistently calling me and harassing me I felt he was trying to intimated me or threatening me. I want him to be aware that the way he went about this call was not OK and from what i saw online a lot of people complain about this company threatening them and harassing them and believe they need to be held accountable for their actions.
Consumer complaint received 2018-06-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (VA)

American Express has repeatedly called at least two of my relatives or associates without my consent. 

These tactics began aoproxinately XX/XX/XXXX and continue through today, XX/XX/XXXX. 

I lodged a complaint on the American website approx. XX/XX/XXXX, directing them to stop the communications to others, searching for me. I noted that I was not sure if the calls came from Amex or an impostor. Calls continued after XX/XX/XXXX, clearly stated by the caller, XXXX, from Amex,  from XXXX, and also from XXXX. 

I spoke verbally with XXXX on XX/XX/XXXX, directing him to end the communications to others in search of me. XXXX was hostile, continuing to talk over me as I was telling him to stop the hostile tactics. I stated that a complaint was being lodged against him and his company on this matter. His response that any complaint did not matter.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (CO)

I have been trying to deal with this since XX/XX/XXXX, but this still hasn't been fixed. I set up an automatic payment in XX/XX/XXXX, which was never set up until XX/XX/XXXX. After setting up the autopay in XX/XX/XXXX via email, I assumed that would take care of minimum payments. However, it wasn't set up as promised, and I was charged a late fee because of their inability to set up this automatic payment. They waived this fee in XX/XX/XXXX. Then I was told that the automatic payment would go through. And guess what, it didn't again. So I missed the next payment too, and I was charged another 2 late fees even after multiple calls. During all these calls, I was told that the late fees would be waived, but they still weren't, nor were the automatic payments set up. Then finally the automatic payment was set up on XX/XX/XXXX, but I was still waiting on the refund of the 2 late fees. One was refunded, but the second wasn't. When I called back, I was told that they couldn't refund it, even though on the previous call they did tell me they would. Not only that, but they have been charging me interest on the late fees which they have not refunded. After talking to them for half an hour today they finally told me they will not be refunding the late fees, even though it was due to their fault that even after setting it up in XX/XX/XXXX and following up with multiple phone calls totalling to many hours of time, this was still not resolved. I feel that this is utterly unprofessional and I should be refunded the late fees since it was their inability to set up a simple thing like autopay that caused this whole mess in the first place.
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

Collection Company ( National Credit Systems ) reached out to me regarding an old apartment complex debt that they say I owe allegedly. When I requested a copy of the original lease agreement, I was sent a fraudulent document and signatures. The lease agreement that was presented to me has a signature date of XX/XX/XXXX but according to the Financial account statement that was presented along with the fraudulent lease shows that I moved in on XX/XX/XXXX and that I moved out XX/XX/XXXX with a lease expiring on XX/XX/XXXX. This company has clearly violated my rights as a consumer by not being able to validate the alleged debt and by secondly falsifying information.
Consumer complaint received 2018-06-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Red Cedar Associates LLC (CA)

On XX/XX/2018 I received a phone call from a man who said he was calling from an attorneys office and during the phone call said that they could possibly garnish my wages and that I needed to set up a payment arrangement of 3 bi weekly payments of {$100.00} in order to avoid them garnishing my wages ( prior to this phone call I had never heard of this company or been notified via mail or phone that my file had been transferred to a collection agency ) .I asked my  girlfriend to call him for me because she works in the collection industry and understands the process more than I do. She was able to talk to him regarding my debt without me having to give authorization he asked her if the last 4 of my social was -- -- and asked her for my birth date and that is the extent of his verification, he after all of this told her that the call is recorded. She offered to have me get on the line and give authorization before he tried to verify my information with her, but he did not require her to do so. He told her first that their office doesn't make outbound calls after calling me not even 30 min before that. He also told her I owe {$310.00} and that I can make payment arrangements but that they have not attempted to take legal action yet. He claimed that he did not say they would garnish my wages but that if they decide to further legal action they could possibly do that after she told him she works with the legal department of a collection agency. He said his name is XXXX XXXX and the phone number she reached him at is XXXX he said his ext is XXXX. She attempted to call back about 5 min later to get the name of the company but no one answered the phone and the voicemail stated there name is Red Cedar Associates Llc. and that their office was closed. I feel extremely violated. Not only have they been consistently calling me and harassing me I felt he was trying to intimated me or threatening me. I want him to be aware that the way he went about this call was not OK and from what i saw online a lot of people complain about this company threatening them and harassing them and believe they need to be held accountable for their actions.
Consumer complaint received 2018-06-22
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: EQUIFAX, INC. (IL)

Submitted an investigation to Equifax on XX/XX/XXXX ( attached ) re : XXXX XXXX XXXX reporting incorrect information on my credit report. On XX/XX/XXXX, I entered the confirmation number to check the status of my investigation online. It stated that I had no pending investigation. I then called customer services and spoke to an XXXX person, whom I kindly informed that she could not help me. I asked to speak to a manager. The manager checks to see if there were any pending investigations. I offer to give her my confirmation number. She informed me that the investigation had been completed and the results were emailed to me on XX/XX/XXXX. I informed her that I had not received an email and even if that was the case I should be able to retrieve my report online once I enter the confirmation number. I asked her about the results which she claimed that there was nothing they could do about the incorrect reporting by XXXX ( which I submitted ). Once I explained the circumstances to her she claim that Equifax does not have a history of my credit report history. She then stated that she would mail me a copy of the investigation report which I would received in about 7 to 10 days. She then stated that she would resubmit my investigation claim. I inform her that I would resubmit it myself. I am only having this discrepancy with Equifax. I do not have this discrepancy with XXXX or XXXX. I tried several times to enter the confirmation number for the dispute and it tells me that my information does not match. As of today, I will also be resubmitting my dispute.
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

I applied for a loan modification 37 days prior to a XX/XX/2018 foreclosure sale date - I demanded that the sale date be cancelled according to the dual tracking clause on the regulation x law- Shellpoint did not do that. Mid XXXX I was notified that a modification had been approved and the sale date placed on hold. I accepted the modification with 3 trial payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Shellpoint has  reset another foreclosure sale date of XX/XX/2018 even though a modification has been approved and I am planning to pay in XXXX. So far my home was advertised 4 weeks in XXXX and now is being advertised 4 weeks in XXXX even though I have been given a modification. According to Shellpoint s letter which stated they would not do same. Also according to their letter, the first payment is due XX/XX/XXXX, and if not paid by the end of XXXX, the modification would be cancelled. that means that I can actually pay on XX/XX/XXXX. I do not trust Shellpoint with a foreclosure sale date of XX/XX/XXXX. With those terms they may reset another foreclosure sale date in XXXX, and XXXX advertising my home another 4 weeks each month - that could be a total of 16 weeks falsely advertising my home with foreclosure sale dates while I am making payments. I believe this is illegal and have spoken to an attorney - it is very stressful for me to face this type of illegal action. I am Demanding that XXXX be honorable and cancel the XX/XX/XXXX sale date