davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
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 (NJ)

XX/XX/XXXX It was the fifth time I tried to solve american express XXXX XXXX XXXX XXXX problem and got denied. Currently American express owned me more than XXXX points. ( Base+Bonus ) There is an enquiry opening but there is no result. XXXX can not follow their policy give me the points that I spent and use on the card. XXXX only eager taking the year fee without giving me services. 


The last time supervisor I talk to XXXX at XXXX XXXX central time. Still they only give me trouble without help me. Not even able to give me the base points ahead. 

I got a answer only to wait, any potential solution has been denied.It is shame to pay around {$100.00} member fee for nearly nothing.
Consumer complaint received 2016-10-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC. (WA)

Midland Finance is suing me for a debt I do not owe. They are out of compliance with the Dodd Frank CONSENT ORDER & FDCPA. Midland called excessively and harassed my family and myself repeatedly. They refuse to validate the debt in question, they have no account level documentation showing any use of the alleged credit card, and they used robo signed affidavits in the lawsuit without the appropriate documentation attached. Midland and its attorneys failed to investigate disputes, they sent letters containing the verbiage forbidden in the Dispute Affidavit Lawsuit, attached an unsigned credit card agreement that does not relate to the account, and are relying on a sellers file but no account level documentation to back it up. They have filled out interrogatory questions stating that the original owner of the debt XXXX is not a party to the lawsuit ; they do n't know the documents they reviewed, but use the affidavit as proof of the debt. The bill of sale from the original owner of the alleged debt clearly states they make no guarantee of accuracy it is up to Midland to research and verify. The scant copies of alleged statements do not contain any purchases just a balance with alleged payments and the data in the statements is unreliable the math does not add up. I have brought to the courts attention that they are out of compliance with the consent order and FDCPA but it does n't seem to matter. I have asked numerous times in numerous court documents for an accounting of this debt and they refuse to provide this information. They do not know what comprises this debt yet they insist it is valid. The affidavits they have submitted are misleading and signed from a template with no attached account level documentation. The bill of sale does n't even reference the account in question. Midland has misrepresented that I have the burden of proof in litigation. Possible identity theft has been brought up in this case and they have refused to investigate. They have recourse through their bill of sale to have the credit company buy back the debt. My Credit Report shows I had a XXXX account but it was paid off and closed. Through discovery we asked for their processes and procedures and none of them would reflect the fact that they have changed their practices to better align with the CONSENT ORDER and honor the FDCPA. I am being sued unfairly by Midland / XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX in the state of Washington . Midland and its attorneys are clearly in violation of the Consent Order and FDCPA. This looks to be an intentional mocking of the consent order they signed. It does not look like they have changed their practices and continue to violate the FDCPA.
Consumer complaint received 2017-12-11
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: EQUIFAX, INC. (TX)

I spotted a " hard '' inquiry on my Equifax credit report on XXXX/XXXX/2017 from XXXX that I never authorized. I recently renewed my XXXX XXXX contract, so there is absolutely no reason I would have given XXXX my information to run my credit. I filed a dispute with Equifax and they 're telling me to contact XXXX to get this removed. I called XXXX this morning and they claimed they do n't even make hard inquiries, but that they will contact me in 3-5 days after reviewing my claim. I made a quick Internet search for " XXXX hard inquiry '' and found a large number of people claiming they had fraudulent hard inquiries from XXXX over the last few months. This seems to be a big problem that might warrant some further investigation. ( I 've attached the results of my Equifax dispute )
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I became involved in a " hit and run accident '' chase in which the police was chasing a truck. I was pulled over to the side of the street when the truck came over and smashed the back of my car while the police was chasing. Police caught the truck and men were arrested.and jailed. XXXX XXXX XXXX police made a report and sent me a copy stating I was a victim and therefore not responsible for my car being destroyed. Toyota Financial took possession of the smashed car.and it was a discharge. 

Toyota Financial included the car on my credit report for {$18000.00} stating it would remain there for seven years and then drop-off Toyota Financial state I write to three credit companies and " request this be removed from my credit report. I did exactly as Toyota requested. I just need a letter from Toyota Financial stating I was not responsible for this " hit and run ''.
Consumer complaint received 2017-12-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A.R.M. Solutions, Inc. (CA)

XXXX XXXX,2017 {$130.00} A.R.M. Solutions sent a letter stating that they were a debt collection company for the XXXX XXXX. The letter stated that if I did not pay the {$130.00} it would damage my credit. 

This " debt '' is fraudulent and I do not owe The XXXX XXXX any money. I have sent a letter, phone calls and email to A.R.M and XXXX XXXX XXXX and the matter is still not resolved
Consumer complaint received 2017-12-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates owns an account of mine purchased from XXXX XXXX, account # XXXX. They have listed this same account on my report twice once under Portfolio to XXXX and the other as XXXX XXXX to XXXX with variation of the same account number. I have disputed this several times and it has not been corrected. This has caused me to be denied for credit! Additionally, the instance reported to XXXX is factoring as an open account when it is a collection! This violates the FDCPA and because it does if it is not removed I will sue!
Consumer complaint received 2017-11-17
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: ALLY FINANCIAL INC. (PA)

I have went on XXXX XXXX to check my credit score because I am trying to get an apartment. I realize their are several hard inquiry 's that do not belong to me nor did I ever apply for these accounts. it make me very upset because I been working hard on trying to fix my credit! I have reached out to the company 's and basically told me there is nothing they can do about this situation.
Consumer complaint received 2017-12-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX company is a debt collection company who hired a courier to call and contact me in order to " serve with legal documents '' I was unable to answer the call at the time because I was at work, the individual proceed to tell me over the phone that if I did not respond or he could not find me at work then he would take it as me not wanting to comply and they would '' take me to court '' When I called the company back I spoke with XXXX XXXX who stated they hired courriers but would go down to the " legal department '' and see if he could get my paperwork. He placed me on hold and told me it was a wells fargo account from 2008 almost ten years ago. He told me I had only two options one was they would proceed with legal action and I would have to go to court where the judge if found guilty could ask me to pay up to 2000 but I could also go with second option where they would stop legal action and all I would have to pay was a bit over 800. I was in the middle of work had to attend a meeting and I agreed not knowing it would start statute of limitations again if I gave anything. I gave XXXX but later realized it was intimidating when he and courrier spoke about legal action, court and showing up at my work to collect a debt that is almost ten years old, now that im recalling never showed on my credit report. when I gave him my card he said I have to go run in when he came back he said " good news I was able to stop courrier and now you wont be taken to court '' I again found the whole incident very intimidating because he also said if I went with option 1 my name would be on legal documents for everyone to see
Consumer complaint received 2017-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX has made it impossible for me to negotiate my loan. They insist on me calling them when I have stated on numerous occasions that I work XXXX to XXXX in a XXXX XXXX and travel at least an hour each way to and from work. I have asked if I can supply a copy of my most recent paystubs and a budget which includes the payments being made on other student loans in order to recalculate the monthly loan payment amount. I keep getting told via letter to call an extension but it is a different person each time. Furthermore, I have medical expenses which are ongoing which also impact my disposable income. Every other lender allows me to negotiate by submitting financial information. I also want to know how the payments are calculated, including the penalties and interest. 

I also want to report that Wells Fargo informed me in XX/XX/XXXX and in XX/XX/XXXX that because I was not a US XXXX I needed a co-signer for my student loan. However, on both occasions I was a XXXX XXXX XXXXr which meant I had XXXX XXXX XXXX  status in the US. This is discrimination.
Consumer complaint received 2017-12-11
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. (AZ)

I am a victim of identity theft and the recent Equifax data breach. Equifax put a fraudulent and unauthorized account from XXXX XXXX XXXX that Equifax previously deleted and permanently blocked from my credit report. The following accounts are fraudulent, unauthorized and dont belong to me : XXXXXXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX, these accounts are fraudulent and dont belong to me. The are not my accounts.
Consumer complaint received 2017-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

THIS IS A CONSISTENT PROBLEM THAT I 'M CONTINUINING TO HAVE. 
ON XX/XX/XXXX AND XX/XX/XXXX MY BANK ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY A COMPANY CALLED XXXX. I NEVER RECIEVED THE MERCHANDISE AND I FILED A DISPUTE WITH MY BANK AND THEY CREDITED ME BACK THE XXXX ON XX/XX/XXXX, I RECEIVED A LETTER FROM MY BANK STATING THAT ON XX/XX/XXXX, THE CREDIT WILL BE REVERSED. THIS IS UNACCEPTABLE AND I WANT AN INVESTIGATION INTO THE MATTER. I SHOULD NOT BE PENALIZED FOR MERCHANDISE I NEVER RECEIVED.
Consumer complaint received 2017-12-11
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: Bread Financial Holdings, Inc. (GA)

To Whomever This May Concern : I am a victim of identity theft/fraud. I have disputed the information through the credit bureaus and I received a letter in the mail stating that they did n't think that it was me that initiated the disputes. One account, XXXX XXXX XXXX was removed and deemed that it was indeed fraud. I am expecting that to happen with these other accounts. I am attaching my DL, a copy of my identity theft report, and a current utility bill. My expectation is that these accounts are removed off of my credit report immediately. The accounts are as follows : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX. I truly appreciate this being rectified immediately.
Consumer complaint received 2017-12-11
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: SYNCHRONY FINANCIAL (MI)

I had a problem with XXXX/XXXX XXXX Reporting. 
I filed a complaint and have been dealing with XXXX XXXX a Senior Specialist with XXXX XXXX XXXX. ( XXXX ) XXXX. 
Several weeks ago she told me the wrong reporting to the three Credit Bureaus showing I owed a balance greater than my credit limit, would be fixed on XXXX/2017. 
I spent 3 hours on the phone with XXXX XX/X/2017 reviewing items already returned as delivered defective which I should have a store credit on to totaling close to my credit limit. I contacted XXXX XXXX to timely pay my balance off so it would properly report, they refused, so I contacted XXXX XXXX to correct this an my multiple calls have not been returned.
Consumer complaint received 2017-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I seem to have XXXX hard inquiries on my credit report that I do not recall ... 
XXXX is from XXXX XXXX on XX/XX/XXXX and the other from Trans Union on XX/XX/XXXX. 

Please let me know how I can go about it. 

Thank you!
Consumer complaint received 2017-12-11
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. (CA)

I have contacted XXXX XXXX XXXX and they have advised they do not give out any information to the Credit Bureau, I have asked Experian to Validate where they gotten their information and they can not. I have contacted and disputed several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now :
Consumer complaint received 2017-12-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Management Services, LP (CA)

It looks this DEBT COLLECTOR company CAPITAL MANAGMENT SERVICES, LP Has engaged in an ongoing collection activity even after Their sent me a letter stating they will cease all communications tactics as it goes for phone calls and mail, I just received from this company a letter in XXXX with a date as XX/XX/XXXX, It contradicts about the letter the sent to CFPB on XX/XX/XXXX. 
I stated once more the amount of {$900.00} they claimed I owed to XXXX XXXX Its been disputed, XXXX XXXX in its letter dated XX/XX/XXXX says did n't know the amount was disputed in XXXX, I will inquire a CFPB regulator to look into it, If XXXX XXXX  did n't know in XX/XX/XXXXwhy they still market this Alleged debt with another Debt collector company, I believe now XXXX XXXX has engaged in some violations to the FDCP Practices and the CFPB should fine them for those violations. They knew this alleged debt were dispute in XXXX. I 'm attach proper exhibits to support my claim. 


I will include on this letter a formal dispute with XXXX XXXX for the Marketing Tactic to have one or more Debt Collectors harassing me for a Disputed debt, I rejected it as a valid one.
Consumer complaint received 2017-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

Executive Office Chase Bank Mail Code XXXX XXXX XXXX XXXX XXXX 
XXXX OH XXXX Thank you for your letter dated XX/XX/XXXX in response to my complain to Consumer Financial Protection Bureau on XX/XX/XXXX. 
On XX/XX/XXXX my account balance was {$15000.00} and I was very careful not to withdraw from this account because I would have lost my bank credit of {$200.00} if I did so before 90 days. 
On XX/XX/XXXX I went to the branch in XXXX XXXX and deposited enough cash to bring my son 's account ( ending in XXXX ) balance to {$15000.00} in order that he also receives {$200.00} credit. I received statements from the teller that both of us had {$15000.00} in our accounts ( see attachment ). My account was ending in XXXX Our account balances stayed at {$15000.00} until XX/XX/XXXX but all the sudden on XX/XX/XXXX there was a {$3800.00} withdrawal from my account ( ending in XXXX ) without my authorization. 
Your explanation on your letter dated XX/XX/XXXX is so complicated that I have problems understanding it but even if there was a withdrawal of {$3800.00} from my account on XX/XX/XXXX because your computer did not deduct from my account you are responsible for the confusion because otherwise I would have deposited the right amount on XX/XX/XXXX to bring my son 's account to {$15000.00}. However I have lost {$3800.00} due to your computer error. 
On page 2 of your response you are stating that " If you did not intend for the total amount of {$7300.00} to be posted to your son 's account, you may wish to resolve this matter directly with your son. '' My response to your above statement is : this is your responsibility not mine.
Sincerely Yours XXXX XXXX
Consumer complaint received 2017-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

XXXX XXXX XXXX has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested.I was in an accident and this was paid for by my attorney, throught the other party 's insurance company. The letter below is what I have sent them and the 3rd party company has not responded to my requests. The account number for this 3rd party creditor is XXXX amount {$2100.00} The letter below is what was sent to them regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XXXX XXXX  in the amount of {$2100.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I WOULD LIKE FOR THE LANGUAGE OF DISPUTE TO DISAPPEAR FROM MY CREDIT REPORT. SINCE IT SAYS THAT I AM DISPUTING THIS ACCOUNT AND I AM NOT OR AUTHORIZE TO HAVE THAT ON MY CREDIT REPORT. FOR THE ACCOUNT XXXX.