davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

I am writing regarding a collection entry from your agency that has appeared on my credit file. This entry is of significant concern to me as I was not previously notified of this collection, and I have serious reservations about the accuracy of the claimed debt. 

As is my right under the Fair Debt Collection Practices Act, I am formally requesting validation of this debt. I expect you to provide this validation and take appropriate steps to address this issue. 

Please note that a comprehensive response, including all requested items, must be furnished within 15 days of the date of this communication. Be advised that failure to provide a satisfactory validation response within this timeframe will be deemed insufficient.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXXXXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (CA)

XXXX XXXX and its credit card provider US Bank recently engaged in a " bait and switch '' tactic which lured me ( and other ) customers to sign-up for their XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( requiring a {$75.00} fee ) by promising a benefit which they then replaced by a significantly lesser benefit within XXXX days. XXXX XXXX recently removed their much-touted benefit of a bonus night on award stays. This benefit was clearly advertised as " BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''. Based on this _promise_, I paid the membership fee ( {$75.00} ) on XXXX XXXX, 2015 and met all spending requirements. XXXX XXXX announced it was rescinding the promised bonus award night and replacing it with a different award worth significantly less. In addition to the membership fee, my credit rating was diminished due to the hard credit inquiry imposed by US Bank. All of this occurred within a time period that made it impossible to gain the originally promised award bonus.
Consumer complaint received 2024-08-16
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. (AZ)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : Department of EducationXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4100.00} Account name : Department of Education/ XXXX Account Number XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$5000.00} Account name : Department of Education/ XXXX Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} Account name : Department of EducationXXXX XXXX Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2900.00} Account name : Department of EducationXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4900.00} Account name : Department of Education/ XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4200.00} Account name : Department of Education/ XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2500.00} Account name : Department of EducationXXXX XXXX Account Number : XXXX Open Date XXXX XX/XX/XXXX Balance : {$4200.00} Account name : XXXX XXXX XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX 
Account number : XXXX Has Violated my Rights. 

I Looked at my ( Experian ) credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And recording to the fair credit reporting act, When ever a consumer reporting agency prepares a consumer report it shall fallow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report related according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i They are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, 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 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 ahs been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are supposed 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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Employer - XXXX Incorrect Previous Address XXXX XXXX XXXX, XXXX, NY XXXX Employer - XXXX XXXX XXXX Incorrect Name and XXXX XXXX XXXX
Consumer complaint received 2024-10-01
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. (GA)

I have been disputing this particular card because it was fraudulently opened using my information. I was XXXX for 6 months in XXXX XXXX XXXX, during my time there this account was opened using my information. I did not authorized my information to be used, nor did i used this card in any of their store. They have not provided me with any of the information i have requested on multiple occasions. I have filed a police report and and FTC Report in regards to this identity theft matter.
Consumer complaint received 2024-10-01
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 am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late on XX/XX/year>, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Consumer complaint received 2015-04-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (NY)

Hi, I have a personal loan through one main financial. I have insurance on my loan, if I am out of work the insurance will make the payments so I do n't get behind in my loan payments. I was out of work on XXXX. I contacted one main financial to let them know I was out of work, so they could submit a claim. one main contacted me to set up the paperwork needed to submit the claim. as the claim was processed, a member of the company contacted me. he left a XXXX minute message on my phone. the message that left was very inappropriate. message stated was the gentleman on the phone started of by sounding XXXX and saying " hey I love XXXX, I love big XXXX, I could play with an suck on big XXXX for hours. Then talking about movies, Grandmas boy. XXXX year old XXXX, with co workers in the office. then he said they were XXXX while watching these movies. message ended. I then contacted the district manager stating my complaint, he said that he would look into it. I felt that he blew our conversation off. nothing was done.
Consumer complaint received 2016-01-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Action Collection Agencies, Inc. (MA)

The XXXX XXXX XXXX of XXXX keeps contacting me in regards to a {$75.00} debt I already paid to XXXX XXXX Health Center last year. After every attempt to contact me, I have informed them the debt was paid and to stop calling me. I have stated numerous times they need to update their records. I have called & informed XXXX XXXX Health Center as well. I have asked they write me a letter stating this debt was paid as an addition to this complaint. I refuse to have this affect my credit due to their incompetent work ethic.
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

I 'd filed a previous complaint about Best Buy. Was told if I opened acct to buy XXXX XXXX, it would only be {$25.00}. Several months ago they began dumping interest and fees, {$1900.00} bal ( limit {$2000.00} ) they took to over {$2500.00} in just few months almost {$100.00} mo payment. TV per their site isnow worth {$250.00}. Each month they told me diff story ; sent me an agreement, told had 30 days to appeal. Asked them to explain and if it would put $ XXXXmonth back. They said I had to wait to see XXXX bill, but that would be after 30 days! My XXXX Bill just came in and it 's still almost {$100.00}, balance {$2700.00}. I told them heavy medical bills, ca n't pay {$100.00}, only {$25.00} as i was promised. Keep telling me diff stories as they pile up fees and interest. Wife borrowed $ to pay XXXX in full, thinking in XXXX we 'd be back to {$25.00}. Best Buy will not take any responsibility for scamming us, and will not work with us. I offered to give tv back said no. I asked that restart the balance to around {$1900.00}, XXXX which is still outrageous for this tv and a few other sm items in the trash ), but was willing to settle for that if they reset monthly payments to {$25.00}, which is what we were promised it would be. My wife is partially XXXX, we are both senior citizens. Can you give us contact information for someone who CAN help us? We of course ca n't afford a lawyer. My wife went to doctor and XXXX XXXX way up because of Best Buy. Please help. Thank you very much. We feel we 've been scammed and worst, now they might ruin our credit, and maybe insurance and other bills will skyrocket. That will be completely destructive for us. My former complaint # # XXXX.
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (GA)

I inquired about getting a new credit card with American Express. The chief reason why I decided to get a card with them is because there was a possibility I could link up the purchases I made on my corporate credit card to accrue points. I asked them specifically if I were to get a personal american express card would points I make with my corporate credit also count. They asked for my corporate credit card number and assured me that this would be the case and that once I got the approved and received the card to call up their points department to link up the cards to gain both point on my new personal credit card and corporate card. I was very specific, stating this is the only reason I am getting a personal American Express card and they assured me I would have no problem doing so. Once I received the credit card I called up Amex rewards and tried to link the XXXX accounts, but was denied. My corporate credit card has a block on points they informed me. I was furious, because I asked them specifically about it and told them that gaining points on both corporate and personal credit card purchases was the only reason I got the card. They lied to me to get me their credit card. I filed a complaint twice with Amex and there has been no follow up over the course of 7 business days. They intenitionally deceived me into getting their credit card.
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MD)

The credit card company American Express is not issuing rewards on a consistent or timely manner. I have the Blue Cash Everyday ( SM ) card and I earned {$57.00} in reward dollars for the cycle XXXX XXXX, 2016-XXXX XXXX, 2016. They said there was a one-month delay for redeeming these dollars, and so I was not able to redeem them until XXXX XXXX, 2016 ( 1 month delay ). I earned another {$54.00} for the cycle XXXX XXXX, 2016-XXXX XXXX, 2016, and they are now telling me that I can not redeem the dollars until after XXXX XXXX ( 2 month delay ). When I inquired as to why there is a 2 month delay for this cycle versus a 1 month delay for the last cycle, I could not get a clear answer out of the two different people I spoke with. One person told me the bill had to be paid in full ( not just the minimum payment due ) and another person told me they were having system errors. It seems their rewards program is very disorganized and as a customer, it is difficult to figure out what to expect. The whole reason I signed up for this card was for the rewards, and it is difficult to imagine that in XXXX I have n't received my rewards dollars from XXXX. Their practices are not fair, I do not recommend this card to anyone and I will be closing my account once my reward dollars are redeemed ( hopefully before 2016 is over! ).
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I made a routine online payment of {$100.00}. Prior to making the payment, I updated my XXXXXXXX XXXX checking account information. I did not utilize the old XXXX XXXX information as I had recently closed that particular account. I also have XXXXXXXX XXXX checking account information on file as well. On XX/XX/XXXX I received an email alert from Chase informing my financial institution returned the payment of {$100.00}. 

Subsequently, I contacted Chase to inform them of the email alert and updated payment information submitted on my credit card account before making the payment. I spoke to a Representative who advised the payment of {$100.00} had posted on XX/XX/XXXX and there was no payment due at that time. In addition I repeated the payment information used to make the payment. I requested the Representative to remove the old payment information in which she accommodated my request. In addition the Representative requested me to reconfirm my updated payment information. On XX/XX/XXXX I received an alert to make a payment of {$35.00}. On XX/XX/XXXX I made a payment of {$100.00}. 

To any event, I am confused my account is up to its approximate limit of {$500.00}. I have charged a total {$160.00} between XX/XX/XXXX- XX/XX/XXXX regarding purchases from XXXX. I have paid {$100.00} on XX/XX/XXXX as I routinely do. XXXXXXXX XXXX stated Chase Bank never attempted to submit the payment, although the correct updated payment information was provided. On XX/XX/XXXX a Chase Representative stated the {$100.00} had posted, removed my old payment information, and confirmed my updated payment information. On XX/XX/XXXX I made another payment of {$100.00}. On XX/XX/XXXX I had a return from XXXX in the amount of {$130.00}. After failing to appropriately apply the payment of {$100.00} on XX/XX/XXXX, Chase Bank charged me an extra {$36.00} ( late fee and fees and adjustment charge ). 

Chase Bank may reference the details of my complaint through their resources. I am requesting Chase Bank to remove any extra fees applied to my account. Routinely, there has always been a sufficient amount of funds to cover payments. I am also seeking Chase Bank to reevaluate my credit card account ensuring all payments and credits are appropriately applied to the account. Please be advised if necessary I can and will supply any supporting evidence upon request.
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: FIRST NATIONAL BANK OF OMAHA (WI)

On XXXX XXXX 2016 I made a significant payment to my XXXX XXXX First BankCard XXXX credit card in preparation for our family vacation in the XXXX Keys. I wanted to have security when traveling ensuring a great trip and no financial worries. I had called to notify the credit card company on the XXXX that I would be traveling starting the XXXX and made a {$3000.00} payment to the card. The money was directly taken from my checking account and available the next day. 
I had never made a late payment on this credit card or any other debt I owe. My credit limit was set at {$4500.00} and had been since I received the card a year ago. 
During the trip, I used the card for everything, then XXXX night we were eating dinner and I went to pay for it. The woman said the card was declined! I told her that was impossible and to run the card again. She said it was still declined so I had to pay with the little cash that I did being with me. 
When I arrived back at the hotel I went into my credit card account to see what was going on. To my HORROR, it indicated that my credit limit had been changed from {$4500.00} to {$2600.00} leaving me with NO money! 
I called customer service and talked with a rep then her supervisor ... .they said that they can drop the limits at any time, and that they sent me a letter that day! They did not care that my family and I were STRANDED and had NO MONEY! 
To say there are no words to describe how enraged I was is an understatement. I can see making an adjustment if need be but when I was on vacation and it was documented in their system that I was on vacation and would be using this card ... .that is totally wrong on all levels of human decency!
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (WA)

To prevent the borrower ( XXXX XXXX XXXX ) from taking advantage of his rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure, the lender and/or the lenders agent have committed the following illegal acts and violations.1. " In violation of Section 6 of the .... ( RESPA ), under Section 6 of RESPA, lender did not acknowledge my timely request within 20 business days. " Lender DID NOT and HAVE NOT acknowledge my timely request to date, long past the period required by the Act, to take advantage of my rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure.2. The lender violated XXXX XXXX, when he and his authorized agent ( same as above ), committed perjury under the laws of the state of Washington, when they stated, under penalty of perjury, that he " the beneficiary or beneficiary 's authorized agent has exercised due diligence to contact borrower, ( me ), as required in XXXX XXXX ( XXXX ) and the borrower did not respond ''. Lender ( XXXX XXXX XXXX ) DID TIMELY RESPOND, to take advantage of my rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure.3. In violation of XXXX XXXX, the lender and/or his authorized agent illegally filed a NOTICE OF DEFAULT. Attached are copies of BORROWER 'S proofs that the lender and lender 's authorized agent did commit the illegal acts stated above.
Consumer complaint received 2016-01-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NJ)

i took out a home equity line in XXXX and paid off some credit cards, now after ten years, a debt collection attorney has put a lien on my property of over XXXX {$8000.00} and when I asked for proof that my payment in XXXX was applied to my debt, they refuse to provide me with the proof!! they sent me useless statement of charges, interest, from XXXX tpo XXXX which does not help me in the least. I assert that this outstanding balance for which the debt collector has placed a lien on my home was paid in full over ten years ago! XXXX!!