davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Unfortunately, I had a financial crisis in 2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since 2016, this finance company continues to report the account as active and past due.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Unfortunately, I had a financial crisis in 2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since 2016, this finance company continues to report the account as active and past due.
Consumer complaint received 2018-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (VA)

I am enrolled with XXXX XXXX for biweekly mortgage payments, but this month XX/XX/XXXX my mortgage has not been paid. When I called XXXX XXXX the first time I was told my payment will post to my mortgage company in 2 business days, when this did not happen and I called again I was told the same thing. The third call I was told the same thing so I asked for the supervisor, and asked for my money to be returned to my checking account. I was assured that this will happen in 2 business days and post in my account on XX/XX/XXXX When I did not see the money in my account on this date I called back and was given XX/XX/XXXX as the date when I will get my money. I was on the phone about 45 minutes between holding and being transferred to the supervisor who really did not seem to care. I asked to speak to someone higher up, but I was told that the supervisors were as high as I can go. It is the end XX/XX/XXXXand they have not paid my mortgage or refunded me my money.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Consumer Financial Debt Services, LLC (IA)

I get a call at least 1 time a day trying to sell me a service where they can do debt consolidation for me. I DO NOT HAVE ANY DEBT!! And I tell them this every day & ask to be removed from the list. Most of the time they pretend to put me on hold & then I get hung up on. It is maddening that they can call cell phones & not be in trouble for it. I hope that is changing. I block the number from my phone every time i get a call & they call from a new number the next day.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AZ)

Called customer service so many times and they are so rude and horrible in servicing customers they ruined my travels with their service. They do not listen, do what they want and greatly inconvenience customers with no regard. These people when I had fraud on my account and reported it treated me like the criminal, cut me off from my money and any access when I specifically told them I was on travel and business, not to cut my card off and access to my money while on travel and they ( a supervisor ) not only did so, hung on me after being told several times how this has caused me great stress and discomfort with their service and I require access to my money. They even stopped me from being able to withdraw my funds from their bank so I can have my money while on travel. Because of their actions I was not able to use my card to check into my hotel at XXXX XXXX after traveling 14 hours on the road, since I told the reps not to cancel my card very clearly and they did it anyway my card was declined at dinner and entertainment in complete embarrassment ruining my travels. Not only that the rep tells me they are not going to follow federal regulations and put my money back to my card from fraud when reported and American Express thinks they can do what they want, they are not liable. Their reps tend to think they can do what they want, no empathy for customers and American Express is not liable for fraud.
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Bank XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (TX)

Hilcrest and Davidson has placed a collection account on my credit file indicating that I owe a debt that is not mine. I have made numerous attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed. I have received a copy of a billing stated which is not debt validation. There is no signature or contract provided. In order to collect on any debt and report any debt by law the collecting party must have this information and provide it to me. This has not been done. 
I have attached a copy of the billing statements i was provided this is not validation.
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: National Asset Advisors, LLC (NY)

I sent the following email to National Asset, but I continue to receive calls from them on my cell phone during the day, while I am at a work. I have asked to please contact me by email or after XXXX XXXX by phone, but they have ignored my request. I just received another call to my cell phone at XXXX XXXX.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX <XXXX> To : XXXX   <XXXX> ; XXXX   <XXXX> Cc : XXXX  <XXXX> Sent : Tue, XX/XX/2018 XXXX XXXX  Subject : LOAN NUMBER : XXXX - XXXX & XXXX XXXX Re : LOAN NUMBER : XXXX - XXXX & XXXX XXXX  Property Address : XXXX XXXX XXXX , XXXX, NY XXXX Dear XXXX and XXXX , Please place a note on our account, in regards to the above loan number. to please contact us by Email only at XXXX.

We greatly appreciate it. We can not receive personal calls at work and we do not get home from work until after XXXX XXXX.

Please let us know if you have any questions.

Best regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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. (FL)

XXXX XXXX Bank Account # : XXXX XXXX XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX Between XX/XX/year> and XX/XX/year> my two credit cards with XXXX XXXX were used without my permission. When I arrived home from the XXXX Wedding Anniversary of close friends in XXXX Ohio I was greeted with two letters from XXXX telling me my credit cards had been closed. I immediately called XXXX and was referred to their fraud department. Their representative informed me that my two accounts were closed because of fraudulent transactions. I cooperated in every way with XXXX and filed a police report with the XXXX XXXX Florida Sheriff 's Department which was provided to XXXX. XXXX refused to cooperate in the investigation. I identified the likely criminal. XXXX refused to honor their " no liability for fraudulent transactions '' which they actively marketed for their credit cards and upon which I relied upon. After months of telephone calls and letters I gave up talking to them. XXXX made no attempt to recover the money from the fraudulent transactions. XXXX immediately sold the alleged debt to collection agencies who immediately upon receiving the police report ceased collection efforts. XXXX also canceled my insurance with them after 42 years with no accidents in nearly 30 year because of the credit report. I hired an attorney who sent letters to Experian, XXXX and XXXX with the police report and requesting they remove the incorrect information from my credit report. XXXX and XXXX removed the incorrect information. Experian has refused to remove the incorrect information and it sole investigation was to contact XXXX and ask if the debt was mine. XXXX Bank has developed a long history of defrauding its customers with false advertising and solicitations. I am requesting that XXXX expunge from my Experian Credit Report any reference to the two credit cards claiming I defaulted on the credit cards. 

Police Report is too large to upload.
Consumer complaint received 2018-03-26
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

After checking my Credit report on today 's date of XX/XX/XXXX, I discovered my score had dropped by 1 point after a hard inquiry from COAF in XXXX TX XXXX on XX/XX/XXXX. I do not recall this company and it is just now showing up on my credit report.
Consumer complaint received 2024-08-05
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. (TN)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NC)

Opened an American Express Delta SkyMiles card on XX/XX/XXXX. Used the card for purchases large and small with charges totaling {$3000.00} in the first three months of having the card. The award offer on opening was : no annual fee for one year, XXXX   Delta SkyMiles when you spend {$2000.00} in the first three months of opening the card and an additional XXXX SkyMiles when spending an additional {$1000.00} within the first 6 months.

I inquired to American Express onXX/XX/XXXXasking when the miles would be credited to my account. They said they could see that I met the spending requirement in XX/XX/XXXX and that I would receive the reward miles in 8-12 weeks.

I inquired again with American Express on XX/XX/XXXX where they told me the same thing, only that the award miles should be credited 6-8 weeks after meeting the spend requirement. They " opened an investigation ''.

I inquired again with American Express on XX/XX/XXXX and was told that the investigation was opened with the wrong department so it was closed. They said they would open a new investigation and that it would take 6-8 weeks before they could give me an answer as to what was going on and would send a letter in the mail.

I then called in and got no further. I contacted again today XX/XX/XXXXto see if the investigation was moving towards a resolution and was told to wait 6-8 weeks. My chat was escalated to a supervisor who just kept pleading to give more time as they had a large amount of awards and applications and they aren't able to get to them as fast as they are supposed to.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I am writing as a protected consumer under federal law to report serious violations by the three major credit reporting agencies : XXXX, XXXX, and Experian. Despite providing proof of my address and identification, these agencies have unlawfully reported unauthorized accounts on my consumer report without my written consent, in violation of 15 USC 1681b. This unauthorized reporting amounts to identity theft and libel per se, constituting defamation of character. Additionally, these agencies have engaged in aggravated identity theft by contacting third parties with my private information, violating 18 USC 1028A and 15 USC 1681A ( 3 ).

Furthermore, they have failed to meet the requirement for maximum accuracy in reporting, violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). My previous disputes and complaints have been ignored or inadequately addressed, demonstrating noncompliance with FCRA obligations. I have submitted proof of certified mail receipt.I demand the immediate deletion of the inaccurate accounts and a free copy of my updated credit report.
Consumer complaint received 2024-09-14
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I subscribed with Experian and after 1 month I ccancelled my subscription. They keep charging against the credit card I initially provided them. I have tried repeatedly to contact them but I am kept on hold over an hour and a half with no response. No ability to leave a message or callback. I have tried online unsuccessfully and the same thing of unheard of no response phone wait. I want my subscription with EXPERIAN cancelled immediately and my credit card refunded each monthly fee other than the 1 month.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

I recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX  XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX  XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXXand have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX  XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XX/XX/XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX  XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXX and have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing now in wish to receive your help. Presently I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX   and XXXX ) on XX/XX/2016 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Consumer complaint received 2018-03-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services (TN)

In XXXX of 2017, my wife and I leased a vehicle from Mercedes Benz of  XXXX, Tn. We were not advised that in the course of leasing our new vehicle we were not advised that we were being billed XXXX dollars and were rolling this amount into our lease agreement. This amount was supposedly from a previously leased vehicle which was turned in at the time the new lease was signed. Attempts have been made to discuss this problem with the dealership, with no response. In addition have filed a complaint with Mercedes Benz Financial, who is lease holder, with no response.