davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

Customer Advocate Services Team, American Express, XXXX XXXX XXXX, XXXX XXXX XXXX, UT Subject : American Express Plenti Credit card Account Ending in XXXX - Alleged Discrimination - Customer Service Experience I called XXXX XXXX XXXX PCT XXXX regarding address changed above card answered name called Supervisor XXXX ( Customer Service Center in FL ) treated me so unprofessional. I felt she treated me as Discrimination due to way I talk. She said ARE YOU TALKING ENGLISH OR WHAT? I CAN NOT UNDERSTAND YOUR ENGLISH Please review my call and verify how about customer service. I am customer since XXXX and she never treated me as a valued customer. 
This is a second complain I made this month regarding your customer service and Please dont treat different ways for customers Today I am so very disappointed way your bank treated me. Please make sure it wont happens future customer. 
If you want more information call me XXXX Thank you. 
XXXX XXXX
Consumer complaint received 2017-09-16
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. (PA)

As many know, EquiFax has been negligent in protecting a great majority of the United States citizens ' personal information. These Americans ' personal information can be used to steal their identities and ruin their lives. This can not be ignored, as the data breaches occurring through XX/XX/XXXX to XXXX XXXX 2017 will affect millions of Americans, with the impact lasting for decades. This complaint will be one of  thousands against EquiFax 's negligence, but is important nonetheless. This complaint is aimed to possibly be used, along with countless others, in lawsuits against EquiFax.
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CA)

Target card # XXXX XXXX XXXX XXXX I was laid off work so fell behind on payments ... Do not receive monthly statements but u suppose they could send notices when you fall behind ... 
Even trying to log on online I was denied cause account is no longer with them.. Its collections now.. Collection agency has not send any notice by mail either..
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I called XXXX several times, to let them know I am victim of the inquiry issue. I have several inquiries that are does not belong to me. I also called Experian. 
My Name : XXXX XXXX S.S. # XXXX Address XXXX XXXX XXXX XXXX Inquiries XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2023-07-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Contacted Bank of America XX/XX/2023 XXXX XXXX Spoke with credit card agent on rewards missing from one BofA card and rewards payments underpaid for the past year. Agent not of assistance. Also mentioned the statement due date had been changed to an earlier date and if I had not noticed the change I would have been billed a late fee.
Consumer complaint received 2017-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (FL)

i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opene
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CO)

XXXX and XXXX XXXX submit these letters of negotiation on several credit cards through the Consumer Financial Protection Bureau to show good faith to our creditors. We have gone through medical issues and job changes, and are now in a much better position to resolve our debt matters in an orderly manner. Accordingly, we submit these letters of negotiation as follows :
Consumer complaint received 2017-09-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc. (CA)

I was sent a collection notice from SCA Collections in North Carolina for an amount due to XXXX for pathology in XXXX 2017. The amount is not disputed ( {$200.00} ) however the method at which XXXX conducted themselves should be examined. 

I never received an invoice from XXXX, I thought they were just behind in their billing and expected a bill to arrive soon. What I received was a collection notice threatening to tarnish my credit history. I question the relationship between XXXX and the pipeline of unsuspecting patients like myself who find themselves thrown into the seedy practices of a collection agency. 

Without hesitation, I paid the amount of {$200.00}, it matched what my health provider estimated would be my portion. After paying I now question the tactics used by XXXX in conjunction with SCA Collections. I 've been compromised, my personal information and credit history have now been put at risk. How do I know that SCA is legitimate? No bill or communication was ever received from XXXX that they were sending this to a collection agency. This is foul play.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

I had a mortgage with Wells Fargo that was subsequently sold to XXXX XXXX. I was making my payment as scheduled to XXXX Loans when in XXXX I received a XXXX from Wells Fargo stating that I owed taxes on XXXX! I was perplexed because after the sale Wells Fargo did NOT send me a check for any amount so I called them to inquire. They then told me that they sent the check to XXXX XXXX  without my knowledge or consent. They provided me the XXXX delivery confirmation number and a copy of the check for XXXX that was cashed by XXXX XXXX. So apparently of the XXXX only XXXX was taxable. I contacted XXXX Loans IMMEDIATELY to inquire what happened to my XXXX. Was it being sent as it should have been by Wells Fargo? Was it being applied to my loan after the error had apparently been made? I was told by XXXX XXXX to fax all information to them and they 'd research the matter and I made repeated follow up calls with my contact person always " out of the office ''. Then in XXXX XXXX my mortgage was sold to XXXX XXXX without ever getting the {$1900.00} check, any mortgage credits or any explanation period! I have included a copy of the faxed requests for an explanation, a XXXX copy, a XXXX Delivery to XXXX XXXX confirmations, and a copy of my check that was cashed by XXXX XXXX.
Consumer complaint received 2017-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (OR)

in XXXX XXXX I signed for water delivery with XXXX inside XXXX warehouse. 
XXXX delivered the cooler & water, pluged the cooler next day and smoke came out of it. 
placed it in my Garage, called XXXX for replacement with no luck. 
in XXXX their driver was passing by when I opened my Garage to leave for work, and ask me if I need more water, I said no, but you might be able to fix the issue with cooler. 
he plugged it in & fix the issue. 
few day later I received A bill even though my past bill was paid in full & I did not get any more water, because cooler was not working. 
I did ask them to come & pick the equipment, the driver came to my Garage without my knowledge & took the cooler. 
I did not get a credit for my empty bottles and also for the full bottle was with the cooler. 
XXXX gave my social to XXXX and together they send my file to a collection agency for {$65.00} dollars. 
collection is for using the cooler which did not work, also statement fee that XXXX kept sending to accumulate more charges.
Consumer complaint received 2017-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of identity theft and had over XXXX inquiries added to my report in an attempt to obtain credit in my name .I contaced transunion and made them aware of the situation, I also provided a police report and a copy of my license and social security card as they requested and the inquiries still remain on my report.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

My credit report shows that there were four consecutive inquiries beginning XX/XX/XXXX through XX/XX/XXXX from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX a line of credit was fraudulently opened in my name for XXXX XXXX with an opening balance of {$280.00}. 

On XX/XX/XXXX a line of credit was fraudulently opened in my name for XXXX XXXX XXXX XXXX with an opening balance of {$75.00}. 

On XX/XX/XXXX the fraudulent {$300.00} credit limit for XXXX XXXX was exceeded, totaling {$310.00} balance. 

Each month the balance was not paid for the fraudulent account for XXXX XXXX it accrued in interest until the debt was sold to LVNV Funding LLC on XX/XX/XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

On X/X/17 I filed a complaint against the Collection Bureau of the Hudson Valley for failing to provide adequate verification of a debt. The company 's response was that they would provide this information. As expected, I have not received any mail from this agency - yet this unpaid bill sits on my credit. Below is their previous response - " X/XX/17 We mailed this consumer letters on XX/XX/17 and XX/XX/17. On XX/XX/17, a collector asked to verify the consumers current address. The consumer stated the address we had on file was a previous address but the consumer did not want to update her new address because her mail was being forwarded. I updated the address on this account to match the address listed in this complaint and have requested a copy of the itemized bill from our client. Once this information is received we will mail a copy to the consumer at the address listed on this complaint. We will cease all phone calls to the consumer regarding this account as per the consumers request in this complaint. This account is being reported to the credit bureaus as disputed. '' As I have not received the bill from the original creditor, or have I received a bill from CBHV, this remains an outstanding issue that will remain in dispute. The only change is CBHV is not calling me, but this company is allowing me no recourse or remedy in resolving this issue. 

Reminder, I also contacted XXXX and spoke with a supervisor. This person advised they could not provide any information because the issue was being handled by CBHV. This person referred me back to the agency. When I advised the supervisor of how this was handled and asked how I could confirm and pay the debt if it was valid, they stated I could only get information from CBHV. Again, this leaves me no remedy.
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NV)

On or about XX/XX/XXXX I went online and agreed to a free offer but had to pay {$1.00} for handling charges. When I gained access to the site, I discovered that it was not what it was suppose to be. I called the number and cancelled the membership. I was billed twice in the amount of {$99.00} after canceling. I disputed the charges with my bank Wells Fargo, after they accepted the claim # XXXX a temporary credit was issued, then on or about XX/XX/XXXX they recharged my account for the credits and said the claim was denied because I authorized the purchase. XXXX XXXX was the claims assistance center person who denied the claim. I called the 800 number to dispute this finding and could not get XXXX XXXX, but the other person I spoke to was rude and said there was nothing I could do I made the charge. I did not authorize these {$99.00} charges, the company I tried to contact directly and was told that I agreed to these future charges I said I cancelled and they said yes but you agreed to pay these fees for other sites as a part of your membership. I did not agree to any other sites, and I am not interested in the content of these sites I told them and they said nothing we can do for you. I was charged twice the {$99.00} and only one credit was issued by Wells Fargo and then recharged only one {$99.00}. Wells refuses to accept any other disputes on this issue and I was cheated out of {$190.00} by this company with a hidden agreement to accept membership in other sites, there refusal to assist in canceling, and Wells Fargo has a Zero liability policy on all their debit cards, but will not honor these disputes and have sided with the fraud company on my agreement to have these amounts charged to my card.
Consumer complaint received 2017-09-16
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 (CA)

I am filing a complaint against American Express due to non distribution of my full reward points upon completing my minimum spend ( completed 30 days after receiving my credit card ).
I have attempted to handle this multiple times via phone as well as website chat but have had XXXX   success. On XX/XX/XXXX I spoke with a chat representative from the XXXX  XXXX  site who informed me that the error is on their side, and that my points would be credited " soon ''. I have attached a screenshot of that portion of the conversation. But that never happened -- so I spoke to another representative via phone support to try and get the issue resolved. That was sometime around the XX/XX/XXXX. On that call, the AmEx representative was able to get my full reward points amount to reflect ( a total of XXXX  points ) -- but those points do NOT reflect in my XXXX  account, which is where I need them to be in order for me to book any type of travel arrangements. It has been 6 months now, and I still do not have my rewards points reflecting in my XXXX XXXX XXXX account. I only show the total amount spent, which is 11,200 roughly. I have included screenshots to indicate that my minimum spend was hit within 30 days of receiving this card, as well as the discrepancy in points reflected in both accounts, and it has been well over the 6-8 weeks that American Express keeps regurgitating to me to wait for these points to appear. I have held up my end of the bargain on this and spent thousands of dollars with their company which they have made money on through company interest fees, and yet they have not held up theirs and credited me these points owed. Please let me know if there is any additional information I can provide on this matter.
Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-09-16
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: EQUIFAX, INC. (IL)

I have submitted on 2 different occasions all the documentation required under the FCRA for accounts and data on my Equifax file to be corrected, however I am told the documentation either has been reviewed or that it was n't received. Every time I call i get a different response so its clear that they are not doing anything at all as they are supposed to under the law. I have submitted both a FTC and police reports, as well as letters from the actual companies as proof the information presented on my file was incorrect and should be adjusted. 

I filed my FTC complaint on XXXX/XXXX/XXXX and mailed a copy to Equifax on XX/XX/XXXX and XX/XX/XXXX by certified mail with receipts showing that it was received to XXXX. XXXX XXXX XXXX, GA XXXX. 

XXXX XXXX : ( x2 ) XXXX late payments are showing even though I sent over documentation from the company showing that this was not correct and yet it still remains on my file. 

XXXX XXXX : that was previously removed due to fraud and then it reappeared out of nowhere I assume as a glitch however again I have paperwork from the XXXX XXXX executive office showing that this file was supposed have been removed. 

XXXX XXXX : this account was fraudulently opened in my name by a deceased family member and I have provided police and FTC reports to assert it was supposed to have been removed, whereas both XXXX and XXXX removed the information promptly its been over 2 months and its still not removed by Equifax. 

XXXX XXXX XXXX XXXX : a company I have never heard of or had any business with is asserting that I have an account with them and I do n't and have requested for them to verify/validate the account to which no information was provided to me within the 30 days allowed under federal law, the account needs to be immediately be deleted.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.
Consumer complaint received 2017-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (KS)

My husband and I have a car loan through Santander Consumer USA. The original amout they financed for was XXXX. We were informed today that the principle of our amout has n't even been paid down by XXXX since XX/XX/XXXX when we took the loan. I called them today, XX/XX/XXXX and they told me basically that the only way to get any of our payments of XXXX. XXXX a month is to pay more than our monthly payment. So basically we were told that none of our payment is actually going to the principle but we could pay more every month in order for anythint but intrest to be paid. Our note is for 48 months but at what they are doing it is going to take us around 12 years and XXXX to pay off our XXXX vehicle.