davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I am writing to dispute an investigation error by American Express in the amount of {$8000.00} on my account. The seller, XXXX XXXX XXXX XXXX XXXX XXXX, charged me for XXXX item and delivered WRONG/DAMAGED item. When my order was delivered to my XXXX, New Jersey home on XXXX XXXX, 2015, XXXX was immediately advised XXXX that the wrong dining room table had been delivered, and that it was damaged as well, appearing to be second-hand. Indeed the delivery receipt indicates that the wrong - and damaged - table was delivered. This is a classic example of bait and switch. 
Despite repeated efforts to resolve this matter, XXXX have not replaced the wrongly delivered dining room table with the XXXX ordered. 
I have made a good faith effort to resolve the dispute with the seller, XXXX. I have diligently worked with American Express Customer Service Department by providing all requested documentation to support my position. However, American Express customer service representatives have managed to mishandle situation 4 times by simply closing the disputes ( Dispute Reference Numbers : XXXX, XXXX, XXXX, XXXX ) based on merchants provided cancellation and return policy. American Express customer service department have ignored valid support documentation confirming that I received a WRONG/DAMAGED item and written notice from XXXX XXXX, the owner of the XXXX, that XXXX made a mistake. 
The merchant 's cancellation and return policy MUST NOT apply to the wrong - and damaged - table that was delivered.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2015-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (LA)

I have paid this debt before I moved to Louisiana and yet they still continue to try to collect monthly on this account. This debt was not verified, and is currently in dispute with the credit agencies again for verification. It was removed from ALL my credit reports except for XXXX. Please see if this company will remove this trade line since it was not valid. 
I will paste their information. 
Collection Agency : First Federal Credit Control. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Account XXXX Original Creditor : XXXXXXXXAddress Identification Number : XXXXStatus : Collection account. {$230.00} past due as of XX/XX/XXXX. 


Date Opened:XXXXXX/XX/XXXXDate of Status:XXXXXX/XX/XXXXReported Since:XXXXXX/XX/XXXXLast Reported Date:XXXXXX/XX/XXXXType : CollectionTerms:XXXX MonthsMonthly Payment : $ 0Responsibility : IndividualCredit Limit : $ XXXXHigh Balance : N/ARecent Balance : $ XXXXRecent Payment : {$0.00}
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (KS)

Account number XXXX Date opened XX/XX/year> Account type Collection Status Collection account. {$1700.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> I have contacted this collection agency. Because I got a report that something was added to my credit. It dropped my credit over XXXX points. And they added XXXX separate collections with a total of XXXX points was taken from my credit report. I asked them to provide me a validation of death. They refused, they said that they had already contacted me before, but when I asked them to verify the phone number and address they didn't even have the correct phone number or address. So there is no way that they could have contacted me and have spoken to me. And when I ask for a A validation of debt they refused
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I am trying to open a new account and the lender says my Equifax is frozen. I did not place a freeze on my account and Equifax does not offer any method to contact them by phone for details on who and why there is a freeze on my credit score. If contacting them by mail they request a member number for their fee based credit monitoring service. 
They should offer a customer service phone number to resolve issues.
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC (NY)

I have a Matrix MasterCard from Continental Finance ( initially it was a XXXX XXXX ). I mailed my payment ( money order ) for XX/XX/XXXX on XX/XX/2015 at my post office. The payment was due on XX/XX/2015. Continental Finance did not receive the payment until XX/XX/2015. Continental Finance called me XX/XX/XXXX to tell me that they did not receive my payment on time. I told them the date I mailed it and that it should not have been late. I also told them that I would have the XXXX track it. I asked them to waive the late charge as my payment history was. Excellent. They agreed to do this, however my next statement showed that I owed them {$95.00}. I called them again on the date I received the statement to find out what this was about. They said it was a charge for being XX/XX/XXXX ( {$35.00} ) another {$35.00} because I did n't pay the first charge plus the {$35.00} that was due for on XX/XX/2015. I told them that I wanted to speak to a supervisor who insisted that I had to pay the late charges. I told her that I felt this was not legal and that I was unable and unwilling to pay these excessive charges. I had already submitted the documentation from the post office who had traced the money order and who explained to me that the payment was late as the Usps trucks their mail and does not fly it and that due to the ongoing snow storms their trucks were not able to move the mail. ( I forgot to tell you that I had closed this account several months before as they began charging me {$12.00} a month as a fee after you have the card for a year ) I received a later from their corporate office stating that the late fees they were charging every month would continue as it was their policy. I refuse to pay this and they have been calling me several times a day. Can you please advise me what I should do. I would sincerely appreciate any help you can provide. Also I feel that continuing to make payments to Continental is futile and a waste of my money. Thank you very much.
Consumer complaint received 2015-11-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PMAB,LLC (NC)

this was recently submitted to you through this cfpb complaint system and your previous notes were that you were going to remove the account XXXX from cfpb case number XXXX you stated that you would remove the item from the credit bureaus but it is still reporting on my equifax this needs to be removed asap as this is a fraudulent acount
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Credit Services Inc. (WI)

I received a phone call back in XXXX from First Credit Services about a debt to the XXXX XXXX XXXX XXXX XXXX. I had requested a letter stating the amount owed, reason for collection, and what my options are. To date, I have yet to receive this letter. Today ( XXXX/XXXX/2015 ) I received a phone call from First Credit Services attempting to collect this debt. I told the individual on the other line that I would not pay anything until I receive the letter stating what I asked in a previous phone conversation with the company. The individual immediately hung up the line.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I recently sent an online secure message to Capital One asking if they can lower the interest rate on a XXXX because they approved another XXXX with a much lower interest rate. I also inquired why they gave me such a low credit limit, considering they approved me for a new XXXX with a low interest rate and high credit limit. They refuse to respond in writing, and only respond via online secure messaging trying to get me to call in. I asked for the matter to be escalated to the corporate office for written response, and instead, someone left a voicemail message. I am NOT calling them back. I have the legal right to insist all communications with banks and credit card companies be in writing via online secure messaging. So then, I went online to activate the new XXXX card, and they 've blocked it, as I 've received an account restricted message. I 've already warned them that I would file a CFPB complaint if they continue to fail to respond in writing, but now that they 've restricted my new XXXX account, I 'm filing this complaint, as clearly, that is an act of retaliation. If CFPB fails to appropriately address this matter, and instead, simply sends me Capital One 's response, then considers the matter closed, I will report this to my Congressman, as well as post it on the Internet, as clearly, that indicates CFPB is just a " dummy '' agency created for the sole purpose of keeping the OCC from having to handle consumer complaints.
Consumer complaint received 2015-05-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC (NE)

I have had this cell phone number for a year and continue to recieve multiple calls from many different numbers for whom I presume was the previous owner of this phone. Most are recordings, but the few humans with whom I 've spoken always say they will take my name off the list, but no luck.
Consumer complaint received 2015-03-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TN)

My wife & I had a FHA backed XXXX yr mortage serviced by XXXX XXXX XXXX, signed in XXXX, XXXX. We filed for Chapter XXXX bankruptcy protection in XXXX XXXX, including our mortgage in the filing. All mortgage payments & arrearages were being serviced per our Trustee 's Agreement on time, & without prejudice, even as we attempted to refinance our mortgage to a much more advantageous rate. We finally found someone to do an FHA Streamline on our mortgage, when we were informed that XXXX XXXX XXXX filed an insurance claim in XXXX XXXX against our FHA MIP due to our loan " being delinquent. '' Our mortgage was then " picked up '' by Caliber Home Loans, whom we were informed would be our new loan servicer. We were also told we no longer had an FHA Loan, according to Caliber. We have no idea how we could be taken out of our FHA loan-preventing our Streamline Refinance- & put into some " XXXX status '' as we were informed that our mortgage is now in. In addition, we are still paying FHA MIP payments in our mortgage payments on our mortgage since Caliber took over our mortgage, as well as we have yet to have our mortgage payments be reduced after a significant drop in our homeowners policy as well.
Consumer complaint received 2015-08-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Berman & Rabin, P.A. (GA)

About 10 days ago I was contacted by a law firmBerman and RabinThe collector asked if I was XXXX XXXX I said yesThey did n't verify my first name at allThe collection representative began to tell me that I had an outstanding balance from finger hut for over XXXX dollarsI told her I did n't have that large of a balanceShe asked if I was XXXX XXXX I said that is my wifeshe continued to tell me about the debt I then told her in the state of Georgia the spouse is not to be contacted and if was state law that her information was confidential and this is XXXX party disclosure she continued as if she knew the lawI then asked for her Supv she hung upI called back to ask for the manager they started acting like they could n't here me on the phoneI called the next day to have a manager to complain they said a manager would call backAs of today I have n't heard from any managerI would like the recordings of all of the conversationsto my number XXXX and all of the calls as wellI am filing a lawsuit for third party disclosure and anyother Udaap and Fdcpa violations this firm has committed
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX ) : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2015-11-02
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Klima, Peters & Daly, P.A. (MD)

I had a student loan back in 2002, was finally paid off XXXX and now I get a statement from XXXX XXXX XXXX saying I now owe {$18000.00} dollars, which is entirely false, I never owe anything close to that. I do some research and found out that XXXX XXXX XXXX may be a Scam company. Please help me because they are threatening to sue me by another outside lawyer firm called The Steve Peroutka Law Group , P.A XXXX Their infomation is- The Steve Peroutka Law Group , P.A XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX PhoneXXXXI thank you in advance for any help you can lend to me.
Consumer complaint received 2015-05-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS is Falsely Claiming they are representing and that it was contracted by the owner of the mortgage Loan, to service the '' account ''. 

SLS Representative XXXX ID # XXXX is claiming XXXX Bank XXXX is still doing Business as of XX/XX/XXXX in their letter. SLS Rep. XXXX also provided an " Endorsed Note '' with XXXX XXXX XXXX as Lender to the CFPB in case # XXXX. 

XXXX XXXX XXXX has been Defunct since XX/XX/XXXX 
How is this Possible for XXXX Bank XXXX to transfer or conduct any Type of Business after XX/XX/XXXX? 

SLS also claims the " account '' was " Charged OFF " by the prior servicer? 
XXXX ) Who was or is the servicer they speak of? 
XXXX ) Did SLS Purchase This alleged DEBT? 
XXXX ) What gave them the Right to post False information onto my Credit Timeline? 
XXXX ) Who Did SLS acquire this Account from? 
XXXX ) Was this Debt purchased by SLS? 
XXXX XXXX Provide accurate Accounting according to XXXX. 
XXXX ) Is it a Mortgage Loan or a Line of Credit? 
If Neither provide what type of account this is. 
XXXX ) If prior SERVICER charged off account why is SLS claiming they did on my credit Timeline? 
XXXX ) What is SLS claiming is owed if already charged off? 

SLS has Violated The FDCPA, FCRA, GLB, and is Defrauding Consumers and the Government and with their False Claims, Unjust enrichment and Backdating and presenting False information and Documents
Consumer complaint received 2015-03-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (RI)

I never took any loan out, ever, from the company they alledge has hired them to collect the debt. They say I authorized a loan XXXX 2011 from " XXXX payday loan ''. I have never done so. They claim to be " concord resolution inc ''. The man would not let me question anything, talked over me loudly and rudely, and knew my social, which he said in its entirety over the phone. They also had an old address and the bank I belong to. I was threatened if I didnt pay XXXX in 10 days that my wages would be garnished and I would be taken to court, where a judge would impose my delinquint balance at 300 % interest and I would have to pay their attourney fees and court costs. He also threatened that he has " the best attorney '' so good luck contesting this. Im absolutely freaking out right now. I hung the phone up on them and never received a call back which makes this more suspicious than it already is. Please help!!