davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I had an American Express Business Gold Card that according to the statements gave two options for payments. 1 ) Pay ENTIRE balance at the end of the statement or 2 ) PAY OVER TIME and incur an APR of 29.24 % with a minimum payment of {$35.00} per month. I began using my PAY OVER TIME option in the middle of 2019. I never paid less than {$100.00} many times more than this. Shortly after doing this, I started to receive collection calls and I explained to them I could NOT afford to pay the entire balance and therefore was using the PAY OVER TIME option on my account and it was clearly written on the statement ( so I thought ) that IF I did NOT pay the entire balance at the end of the statement I would incur interest as had I paid the entire balance at the end of the billing cycle I would NOT incur interest. The collection call was never clear as all the calls are outsourced. I then started receiving collection third party calls and they forced me into a payment arrangement of which I accepted in the amount of {$140.00} per month of which is automatically drafted every single month for over 6 months now. I receive a statement from AMEX monthly showing that the payment is being charged and all I needed to pay was {$35.00} min payment, yet was forced to pay the {$140.00} monthly. In addition to this mandatory payment they are charging interest of 29.24 % on top of the {$140.00} monthly and the interest they are reporting they are reporting this as a CHARGE OFF every single month and it is ruining my credit and I have tried to dispute this with them through the credit bureaus and they have made this worse! It is incredibly misleading. Please help. Thank you so much.
Consumer complaint received 2016-02-13
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (NM)

A medical bill, paid by the VA in XX/XX/XXXX, was sent to collections in XX/XX/XXXX. I was never responsible for this bill and I never released my social security number. Collection was filed in XX/XX/XXXX against my social number. I never received any written communication from the private medical facility. This came to my attention a few weeks ago, when denied credit, based on this collection. The bill was the responsibility of the XXXX XXXX VA and they paid it in XX/XX/XXXX. So how did they get my social an why file a collection when the debt was paid. Identity theft and fraud.
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY (IL)

I applied a XXXX Credit Card from American Express, several days later they sent me a letter to ask for my Social Security Number. So I mail them the copy. Then I got another letter from them again, being told that the copy is not acceptable. They did not tell me what they need exactly in the letter, when I called, they said they need the original letter from SSA office. So I went there, waited for about XXXX hours, and the officers told me that they already stopped issuing so-called " original Letter '' from XX/XX/XXXX. So, how can I get that? I called American Express again, they told me that I need to get my Social Security notarized, so I did that again, it cost me {$10.00}. I mailed that to them on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called them again, they told me that this notarized Social Security Copy is not acceptable again, they could do nothing but cancelling my application. I do n't understand why I got this decision after I did all they told me to do. They just fool me around, making me spend my time and money for nothing. 

My tracking number : XXXX
Consumer complaint received 2016-10-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC. (CA)

myself and my employer were serve to attempt to garnish my wages. i called to start a payment plan and was told i could not. instead of giving me a chance to pay off this debt they want to attack my livelihood with no regard to how it will affect me. i have paid off a previous debt with this same debt collector and have made payments on another debt i accrued during my time of unemployment. this company knows my history and i have been making attempts to pay off my debt, why the harrasment?
Consumer complaint received 2024-08-13
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. (WI)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time. The consumer reporting agencies have a responsibility to report all information with complete accuracy. This account has not been late on payments I've attached a cope of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting that you investigate and provide verifiable proof with records showing that I had late pavments. If this information can not be verified I demand that these late payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2016-05-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I would like to pay HSBC BANK OFF!! BUT I CAN NOT PAID THEM, THE CREDIT CARD DEBT. BECAUSE I AM IN FINANCIAL DISTRESSED AND UNABLE TO PAID THE FULL AMOUT DUE EACH MONTH, BUT I AM ABLE TO PAID SOMETHINGS. I REQUESTED A HARDSHIP PROGRAM, AND THEY DENIDED ME THE HARDSHIP PROGRAM, THREE TIMES.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MS)

On XX/XX/2020, I received my PPP loan which I had deposited into my Navy Federal Account. I have 4 different accounts with navy federal and have always conducted my business with my personal accounts. When I applied for my PPP loan, I did not have a business account. I was using my personal account. After hearing stories about Navy Federal freezing customers accounts, I went into the branch and advised what did I need to do. I took in my docusign paperwork from my PPP as well as my application that was submitted. I also took my XXXX  paperwork which proves I do have a legitimate business. The lady advised me that I would be fine because I came and to let them know. This was 2 weeks before my ACH hit. On yesterday, after calling about something else, the rep immediately placed me on hold and told me that she was having issues with her system and placed me on hold. Soon after, a supervisor picked up the phone and advised that I needed to go into the branch, take my ID and business information and my funds will be released. Cool!!! I did that. Spoke with a member service rep and she told me that I can not conduct business out of a personal account. My response was, how can you tell me how to use my money that I make? I have had very rude experiences. All 4 of my accounts with Navy are frozen. All my money is tied into Navy Federal. I advised them that I have paid bills and I have a house payment that will be coming out as well. The lady told me that she is sorry but it will be returned. So I asked who will be responsible for it and she told me that I would. I can't understand why my accounts are being frozen to begin with. I applied for the PPP loan, I got approved. This has nothing to do with Navy Federal. I also have a family of XXXX to feed and bills to pay to keep a roof over me and my children head and Navy Federal have no concern in the world. I understand people do some fraud activities and I respect the verification process, however, I verified and proved that I have a legitimate business. If Navy Federal had any stipulations with PPP loans going into a business account, then they should have noted that on their website advising their customers. This money was giving to me to keep my business running. If I don't pay my building fee, then I am going to lose what I have worked so hard for all because Navy Federal is indulging into something that has nothing to do with them. I am livid. Every time I call it is always, well we have to verify. The company did an ACH, what is it to verify.This is my money.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

The customer service number for HSBC personal credit cards is not reachable. I can not cancel the card if lost or stolen, nor can I reach any person to discuss my account. When I called the business line, the representative I spoke with tried reaching the personal credit card customer service number ( XXXX ) XXXX, and she informed me that she could not get through either. This is not the first time I have not been able to reach HSBC. Supposedly, their hours at XXXX - XXXX ET. There have been multiple instances I had been " transferred '' and hung-up on. Their phone system is absolutely deplorable. This is not how a company operating in the US should be conducting business. Please help, I have multiple issues I need to get resolved but am unable to reach anyone at HSBC who can help.
Consumer complaint received 2016-08-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (CA)

I was part of a workman 's comp claim. I directed hospital billing to my insurance claims adjuster. Hospital continued to call me. I instructed them this is a workman 's comp claim and I am not the party to pay for this bill under California Labor Code section 3751 ( b ). They have submitted me to a collections company for payment who continues to call me instead of insurance company.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). The police report contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from Experian. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... USPS Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. 

I have brought the fraud and the lack of validation to Experian XXXX times, ( USPS Tracking XXXX received XXXX/XXXX/15 ), ( USPS Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the fraud and lack of validation by the collection agency and requesting to delete this account from my credit file. 

Experian repetitively delay the process by doing an investigation and responded on report number XXXX with a simple response UPDATED and no additional information, After re-escalation, on XXXX XXXX, 2015 Experian responded on report number XXXX with " unless you send us additional relevant information to support your claim, we will not reinvestigation this information again ''. Fraud or lack of validation within the require 30 days should not be reported on my credit file. If a collection agency does not validate an allege debt within the 30 days time frame, the account needs to be deleted from the credit file, or if the account is caused base on fraud it should not be reported on my credit file. Failure to correct the reporting of this account is a direct violation of the FCRA. 




Attached : copy of the debt validation letterletters to experianExperian reporttracking informationFTC casePolice Case
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

I have disputed A fraudulent account with Experian, and an account with invalid late payments With all XXXX bureaus. I contacted both agencies and they verified that they were not reporting these inaccurate items to the credit bureaus, All XXXX of the Bureaus have failed to send any verification for the accounts. Experian has blatantly refused to further investigate the accounts in question. They have an inccorect account reporting of a bankruptcy on my credit that is causing harm to my credit and denials of credit because of this notation. The account is not mine it was reported as fraudulent to the bureaus they refused to remove it and it is also not even a bankruptcy on my credit. So they are incorrectly reporting these things to my credit.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2024-08-13
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)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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 an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 2024-08-13
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. (NC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX- XXXX
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I am set up for a two-installment, automatic payment to pay my balance in full each month. This month I wanted to pay only on the due date, so I cancelled the mid-month payment. I went to change the due-date payment to the full balance instead of half, but it already showed the full balance, so I did nothing. When my payment came out of my checking account, it was only half. At this point I was willing to accept this was probably my error. To avoid interest, I made a one-time payment of the remaining balance. Yesterday, I noticed the payment had not been deducted from my bank account. After much research, I figured out that the payment was taken from an old, closed account. At this point, I was still willing to assume it was my error. I went to schedule a 1-time payment again, but noticed the old, closed bank account wasn't listed as an account to choose from, so I could not have made the error and am no longer willing to take responsibility for this. I did not trust making another payment online, so I paid through the automated phone system, using my account and routing number ( not the saved account ).