davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

We have a XXXX American Express Card and we get an annual rebate on XXXX Purchases made with the this card. We have switched all of our statements to be received electronically and so we do n't get any statements. Last year, we were in the process of moving and they sent a paper statement with a rebate of over {$1100.00} to our house. I am not sure if we ever received or if the statement was thrown out opening since we have everything electronic and it may have looked like junk mail. Either way, we never used the rebate check. As I said, we were busy moving and realized in XXXX that we never got the rebate. We spent hours on the phone with both Amex and XXXX and they both said that it was too late to do anything. Amex credited {$41.00} of the {$250.00}! I complained and said that they should automatically apply the credit instead of sending a physical check, especially when you do n't receive statements. They said that was possible but you have to call them in advance to make that change. They were not helpful at all. That was money that we earned from spending a lot of money at XXXX and we get nothing in return! My recommendation is never use this XXXX Amex Card!
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

Company : XXXX XXXXAddress : XXXX, AZ XXXXXXXXAccount Number : XXXXDate Opened : XXXX/XXXX/2007Source : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been writing Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I reached out to XXXX and someone opened XXXX checking accounts in Texas and I live in Maryland  and they also opened a credit card and then never paid it and now its hurting my credit. I request all accounts to be closed and the credit card removed from my credit report
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ND)

My brothers divorce case ( XXXX XXXX ) showed up on my credit report and I disputed it and told them about it on the phone and they said they would delete it and they just sent me an email that there decision was it is still going to remain on my credit report. I just want it off my credit report. It 's showing up on my experian and XXXX reports and need it off before I can close on a house.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am a senior citizen and to make ends meet took a partime job as purchasing manager for XXXX XXXX. They would transfer funds into my Capital One credit card account with a {$5200.00} credit limit. Once the funds cleared, I would purchase items on the CC up to the amount of the transfer. I called Capital One to confirm if the funds had cleared. They advised me that the funds were available. XXXX separate transfers were made about a week apart. I coordinated the purchases for {$9200.00} through the Fraud Dept of Capital One to make sure the CC was not denied. The Capital One Fraud Dept cleared all of the purchases. About a week later I receive a notice that my CC account was overdrawn by almost {$8000.00}. I asked how that was. Capital One explained that the funds that were transferred, the account they were transferred from was overdrawn and funds were unavailable. I asked how that could be since both Capital One and their Fraud Dept cleared the transfer and allowed the purchases. The CC rep said the funds actually did n't clear but were posted to my CC acount because I was such a good customer for over 15 years. I asked them to remove the charges from my account. They refused. I then filed a police report with the XXXX County Police Dept. Report # XXXX. I then called the Ohio Attorney Generals Office who referred me to the Controller of the Currency who referred me to Consumer Finance.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

I 'm referencing Case number : XXXX for a previous CFPB case, the reply was n't satisfactory and I disputed it mentioning what I really wanted which is explained from my response " my issue is that I ca n't access the report online, I did n't want to be sent a copy through mail. 
I feel more comfortable viewing my report online and I need to know why I ca n't. 
I appreciate the response but that 's not resolving the root cause, you are just fixing the symptom. 
Do I have to submit a complaint every time I want to view my report, I was even trying to register for your plan to view my report whenever I want, meaning i was willing to pay but because I ca n't access it online I ca n't even start the subscription '' Equifax did n't respond, they closed my case which is still very unfair because they have n't actually sorted out my problem
Consumer complaint received 2016-02-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I did review on the company midland credit management and they had no good reviews. I do n't remember owing the said amount to the actual credit card company but they claimed that 's what i owe them. I feel i owe half of that. They also tried really hard to get a lot of my personal information which made me feel really uncomfortable. They gave me no payment options rather just told me how much I have to pay and when i am going to have to pay it. Then he gave me the address where to mail the payments and it clearly says on the letter not to send the payments to the address he gave me. I am afraid to pay this company for my debt, I feel i will be wasting my money because the reviews they have are awful and they are not XXXX accredited. How do i avoid dealing with them and make a payment to someone who matters? My account manager was an XXXX man that i could barley understand and I 'm unsure if this is even a legit company. I feel because they have my social security number, they that can do bad things to me over such a small debt.
Consumer complaint received 2016-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have disputed this entry with Transunion on multiple occasions. The creditor *XXXX ) are refusing to provide me proof of validation in violation of : TITLE VIII - DEBT COLLECTION PRACTICES [ Fair Debt Collection Practices Act ] 803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

The amount is {$97.00} and I have asked for 2 years for them to provide proof that I have owed it. I submitted that proof to Transunion dated XXXX/XXXX/15 and Transunion acknowledged the receipt. It is still not removed and it is affecting my credit and employment.
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (CA)

I applied for the US Bank Hardship Program and was told by Customer Service not to make payment until my new interest rate and minimum payment were finalized. Once the new terms were set up in XXXX 2015, I was told to make payment XXXX 2015. US Bank is now reporting me to the credit bureau 's as 30 days late. I have spoke to multiple customer service agents who tell me " By law US Bank can not remove negative information such as late payments '', which I know is false. I have filed disputes with the credit bureau 's as well as CFPB. US Bank responded with a letter stating additional false information. They stated that I told them I prioritize my payments and would not be able to make payment until the following month. That information is incorrect as all of my accounts and payments are a priority and I have never made a late payment on any of my accounts. That clearly can be seen on all three credit bureau reports. US Bank also stated that the representative that I spoke to who set up the new terms did not tell me to wait and not make payment. That information is also false. The representative who finalized the new terms was not the same person who told me to not make payment. In a previous conversation with a different customer service agent, I was told to not make payment until my new terms were set up. 

I have been a loyal customer with US Bank for over 10 years and do n't understand why I am the one being punished for being provided with wrong information.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (CO)

" Consumer Protection Bureau '' ... what a joke. These XXXX guidelines are nonsense. All this is doing is delaying closings, causing rate lock extensions, and ultimately hurting the borrower, not " protecting '' them. I have had XXXX closing delays due to " disclosure ''. If the borrower receives a Closing Disclosure and the number matches the Loan Estimate why are they required then to sit around three days before they can sign and close? It makes no sense. It is clear that the government officials and the people within the CFPB who set up these rules have no real world lending experience. Why is this now the most regulated financial industry? This needs to be remedied.
Consumer complaint received 2015-12-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX my husband was working in the XXXX when the housing boom ended. He was out of work until XX/XX/XXXX and we filed bankruptcy because we had been unable to pay outstanding bills. Because we were struggling to our mortgage, we applied for a home modification in XX/XX/XXXX and submitted all of the paperwork required by J.P Morgan Chase. After submitting all of the paperwork they requested, they requested the same documents every 2 months for 5 years. We never received any answer or decision regarding our modification and in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX we failed to pay our monthly payment. In XX/XX/XXXX we went to the physical location of J.P Morgan Chase Bank to pay all of the monthly payments that were owed and the teller refused to take our payment because there was a hold placed on the account. We contacted Chase via phone and they were vague about what was happening with our mortgage so we contacted a lawyer and we found out that Chase was taking steps to foreclose on our home. We then proceeded to request the complete monies owed to bring our mortgage to current status and they told us they would contact us in several weeks. They never contacted us and would not tell our lawyer how much we owed either. In XX/XX/XXXX we took {$10000.00} out of my husbands 401K plan and brought the money to Chase to pay off the delinquent amount and they were unable to take the payment. Now, XX/XX/XXXX an auction has been set for XX/XX/XXXX. We have paid {$7000.00} in lawyers fees and we were denied a modification on XX/XX/XXXX because we now make too much money. For the past 6 years we have been trying to modify and we are losing our home. When my husband finally found employment with his previous employer, he was making {$XXXX} an hour, and I XXXX making {$XXXX} a year. 2 years ago he was making {$XXXX} an hour and I was XXXX making {$XXXX}. Our income has increased however at the time we defaulted we were struggling financially and we really needed help, I am back XXXX making {$XXXX} and my husband is currently making {$XXXX} but we make too much money for a loan modification. It does not appear that Chase was willing to assist us with our loan and we are making this complaint hoping for assistance as well as warning others who may be facing a situation like ours.
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: U.S. BANCORP (KS)

Payment reported as late but mailed in plenty of time. Late charges were reversed, but my deceit report showed 30 days late. I want the 30 days late removed from my credit report. 

Thank XXXX
Consumer complaint received 2015-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I recently received a statement on a " time-barred '' debt with a " thank you '' note on a payment in the amount of {$88.00} dated XXXX XXXX, 2015 that I never authorized. As a matter of fact, I have never talked to anybody in this company. I believe that this payment is fraudulent in an attempt to restart the statute of limitation 's clock and possibly sue me for the amount they claim I owe. This company called Midland Credit Management is well known for their deceptive collection practices.
Consumer complaint received 2015-11-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/XXXX I bought {$4100.00} of Furniture from XXXX. The offered a 12 month interest free payment option from Wells Fargo. The order states No interest if paid in full within 12 months, interest will be charged to your account from the purchase date at rate of 27.99 %. The delivery of furniture was XX/XX/XXXX. I made regular payments as required and paid the balance in XX/XX/XXXX. XXXX 's terms of the sale state all orders must be paid in 48 hours prior to delivery. That date is XX/XX/XXXX. I am being charged {$1200.00} of interest because Wells Fargo says the full payment was due XX/XX/XXXX. I missed the date by a week. Why I was confused was I made another small purchase in XX/XX/XXXX and that payment date was showing XX/XX/XXXX. I have excellent credit and had full intention of paying in full by XX/XX/XXXX. This is very misleading and seems to be a calculated attempt to confuse and trick consumers into missing the deadline and charging an obscene amount of interest! Did Wells Fargo pay XXXX the full purchase price on XX/XX/XXXX? If not is that date relevant? Needless to say I am not paying {$1200.00} or the reduced amount of {$930.00} I was offered. The regulations of XXXX were put in place for a reason. I am not unreasonable but this is and I need your assistance to intervene on my behalf. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXphone XXXXXXXXXXXX
Consumer complaint received 2015-12-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mitchell Rubenstein & Associates, P.C. (VA)

Original debt was with XXXX. It was charged off my credit and purchased by XXXX XXXX. I then received demand letters from Mitchell , Rubenstein & Associates demanding payment.. I disputed again and never received anything from them either. A judgement was placed against me due to a summons being served at a home I had n't rented in over 2 years! I wrote Mitchell, Rubenstein & Associates on XXXX XXXX and asked them to reverse the Judgement and now just over 1 month later my bank account has been frozen without ANY correspondence from them. They have very POOR and unfair practices, especially over a {$700.00} debt that supposedly occurred in 2012.
Consumer complaint received 2024-11-22
Product: Credit reporting 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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Armor Systems Corporation (NY)

A debt I owed to a health club was included in my bankruptcy. The debt was listed as being " in collections '' on my credit report, so I filed a dispute and the account was removed from my report. A few days ago I received a bill from a different collection agency still attempting to collect the debt. Again, the debt was included in my bankruptcy and I do not owe it.
Consumer complaint received 2016-03-18
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

Back in XXXX I was offered a student loan in the amount of XXXX while attending XXXX XXXX XXXX. while I was making payment on the loan my income tax was intercepted to pay off the loan. I had never heard from the Department of Education since until XXXX when I called them to find out why I was denied financial aid. they could not find a reason. some one took all my info and said they will call me back in few weeks. After about 6 weeks I called back with not success until later I received a notice that I owe $ XXXX they want to garnish 15 % of my income. I requested a hearing which they denied.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXXXXXX XXXX
Consumer complaint received 2015-12-27
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Made about {$90.00} charges on Capital One credit card in XXXX of XXXX. I forgot that I had charged anything on the card, because this is my emergency card, and did n't pay until XXXX of XXXX, when I got the report that I had a 30 day past due account from my credit monitoring. I called, talked to the representative, offered to make {$120.00} dollar payment to bring the account to {$0.00} balance, she accepted. Evidently, she did not adjust off the less than {$1.00} service fees that remained, nor did she tell me they were there, nor did she note anything on my account. She said it would take XXXX to XXXX statement cycles to show everything current. 
Still not correct in XXXX, called back in, and they adjusted off service fees since payment in XXXX, and was told that it would take XXXX to XXXX statement cycles to show everything current. Credit report as of XXXX shows payments in XXXX and XXXX were 30 and 60 days late. 
Called back in XXXX to get credit report fixed, and am told that they can fix XXXX, but not XXXX. Agent agreed that it was their fault, but said that she had already gone above and beyond what she was supposed to do and could do no more. I asked to be sent to someone who could resolve this for me, and she said she was the most senior person that I could talk to, but I could send a letter to their general correspondence address.