davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX and Midland Fund is in violation of the FCRA. I ask that human review this case because the issue has yet to be resolved. In accordance with US Federal law all creditors when reporting a debt must report the first date of delinquency. In an effort to re-age the debt the creditor has decided to list the day they purchased the debt as the legal date of delinquency. This is a violation of the law. The law states you must report the first date the account was delinquent. The first date of delinquency was in the summer of XXXX and not XXXX of XXXX as reported by Midland. They have been asked to provide proof showing the first date of delinquency with the original creditor was in XX/XX/XXXX. They have been unable to provide that proof and written statements from the company have acknowledge that they are not reporting the first date of delinquency. If this debt is not removed by XX/XX/XXXX I will be filing a lawsuit against Midland and XXXX is the Georgia state small claims court for the state maximum. This has gone on for to long. Midland is aware they violated the law and XXXX is being a complicit partner in their crime.
Consumer complaint received 2019-04-22
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. (FL)

AFTER REVIEWING A COPY OF MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT. THE ACCOUNTS DISPUTED ARE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE AND HAVE THE DISPUTED ITEMS OFF MY CREDIT REPORT.
Consumer complaint received 2019-04-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I submitted a disputed with Experian on XX/XX/2019. And now after a complaint last week, they want to investigate this dispute after more than 90 days. I send a letter in XXXX, XXXX and XXXX.
Consumer complaint received 2019-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Emmett L. Goodman, Jr., LLC (GA)

We have made many attempts to reach XXXX to no avail and they are attempting to collect the incorrect amount regarding our account and have passed it to a law firm to collect illegally. We have made multiple attempts in trying to resolve this matter to no avail. When we went into agreement with XXXX with in XX/XX/2016 we were provided with a 12mth free interest program which is not being honored nor has it been provided to the E. L. Goodman LLC. They are attempting to collect the incorrect amount and we spoke to many representatives with in this law office who stated they would reach out to XXXX to request this information. However, I spoke to a lawyer in the E.L. Goodman office who was assigned the account who was very antagonistic and refused to reach back out to XXXX regarding the 12mth free interest component of the agreement. Although we signed an agreement, we were also provided with the caveat and the 12mth interest free was noted on our account at the opening of the account. We do not agree with the balance. We also attempted to explain to representatives within XXXX our extenuating medical and financial circurmstances encountered with our daughter who was hospitalized for over 34 Days in ICU and they were heartless, uncaring and discriminatory towards XXXX XXXX and U.S. Military Veterans who have served their Country. They are practicing very deceptive practices with their Collection Agency E. L. Goodman.
Consumer complaint received 2019-03-18
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. (VA)

On multiple occasions I have submitted an investigation/dispute with the credit reporting agencies regarding an alleged " debt '' claimed by XXXX in the amount of {$200.00} All times the agencies have come back with a letter claiming the debt has been proven " valid ''. I've asked on what information is the validity of this debt substantiated yet have not received any documentation to this end. All XXXX has submitted are invoices, but as an attachment I'm including to this complaint serves, the agency tasked with collecting this debt has ceased collection activity due in part to the fact that they can not produce any documentation of a contractual agreement with a start date between XXXX and myself, nor can they produce the documentation of when the services were ended. Of course they won't be able to because it would obliterate their claims of the amount owed. 
An invoice on it's own does validate debt, because frankly I could generate an invoice and send to XXXX billing them as well as XXXX, TransUnion and XXXX for the amount of time I've wasted fighting and disputing this alleged debt and when they don't pay claim it's valid. But without a contractual agreement for the time/services rendered, the invoice on it's own validates NOTHING.
Consumer complaint received 2019-04-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, my husband and I submitted a request to Experian, to investigate errors that appeared on our report with their organization. They were supposed to respond within 30 days. My husband has received his investigation requests, but I have yet to receive mine. We do not understand why they completed his investigation in a timely manner, yet mine is still undone.
Consumer complaint received 2016-12-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (GA)

I had to have XXXX in XX/XX/2016, XXXX months after purchase of my home. I fell behind in payment for that month, but continued to pay accordingly. Call US Bank XXXX, MN, for assistance, they stated they are unable to assist me unless I 'm behind on payments. 
I pay my mortgage on the last day of the month, then the XXXX of the next month I 'm considered late and am now accessing late payments. They kept giving me choices that were not feasible for my situation. ( i.e Forbearance for a couple months with a lump sum at end ... ) Unable to catch payment up. I even asked if I could pay XXXX and XXXX weeks later pay other they declined .So I had to assist an XXXX bureau in order to get any type of real assistance with account, well I 'm in a modification now, now they are requesting information that supposedly verification of employment can not provide. I have supplied verification of employment numerous times and they are not accepting what is being provided. I advised XXXX that the company states the job verification line supplies the info, they do n't want to piece the information together. I asked if my job is unable to supply the information due to their ( corporation ) policy what is next step? We will have to remove you from program. This is assistance to someone that has requested help before it got to be too much, had medical issues, and is just trying to keep her home.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

I wanted to make a payment on my due date of XX/XX/XXXX with my boyfriends checking account and had him with me to verify himself via phone. Many other big credit card companies like XXXX, XXXX XXXX, and XXXX do this. HSBC would not. I spoke with A XXXX XXXX  at this time who is a Manager at HSBC explaining I had an issue with my bank and that's why my normal bill pay I could not use. She explained to me as soon as they received the payment she would waive the reversal fee for the inconvenience. On XX/XX/XXXX HSBC called my cell phone that I did not consent for them to call 6 times from XXXX XXXX.- XXXX XXXX. on the XXXX they had called 2 times. I spoke with a Supervisor XXXX at XXXX XXXX on XX/XX/XXXX whom I then told I had sent the payment of {$25.00} thru my banking and they would receive it on or before the XXXX. I told her of XXXX the manager I spoke with and XXXX being a Supervisor had no idea who that was ( she claimed XXXX. XXXX went on to say that XXXX was wrong HSBC would take a {$52.00} payment from me today and I could have my boyfriend verified. I also told her that what they did was harassment and that they were not to call my cell phone. Supervisor XXXX explained to me that I was incorrect it is not in fact harassment and that if I do not comply with allowing HSBC to contact me thru my cell phone that they would in fact have no way to send me any information if I ever have fraudulent activity take place. I rebutted HSBC can contact me via email/mail and she further instructed me they do not do so. She also corrected me that HSBC did not violate my rights abusing the TCPA. I know PACER lists over XXXX lawsuits filed against HSBC in the United States. I would like to know if based on the information I have provided that HSBC violated the TCPA rules and regulations. I have my cell phone records as proof of the phone calls HSBC made relentlessly, to prove my claim. Both conversations I had with XXXX XXXX and Supervisor XXXX were also recorded and monitored for quality assurance purposes.
Consumer complaint received 2019-04-22
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 (AR)

American Express froze all my Membership Reward Points in my account. This is unacceptable, I have more than 6 credit cards with them. I always pay my credit cards on time and my annual fees. ( Including my American Express Platinum {$550.00} and American Express Gold {$250.00}. ) I don't  understand why the company is taking advantage of consumers. 

I am very upset with this situation. My points are still frozen and I have my anniversary trip next week and I can use the points??? I will close all my accounts. This is abusive, to say the least!!!! I need to get access to my points ASAP!!! American Express is ripping off consumers, is not fair I can not use my points. I need a resolution!!! 

THIS COMPANY IS NOT OPERATING FAIRLY FOR CONSUMERS!
Consumer complaint received 2016-12-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (WI)

On XXXX, I scheduled XXXX transfers from my accounts at other banks. I received a voice mail to call money movement at XXXX. I called and Chase rep made a conference call with XXXX XXXX ( the other bank ) to verify funds. Chase verified everything and no other transfers required verification. But, this second transfer was rejected because someone did not follow thru. 
While I have received good to great service from other departments at Chase but not from XXXX XXXX XXXX XXXX. 
I would like to know why this transfer was rejected after confirming that no other verification is required for other transfers.
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY (GA)

I visted XXXX on XX/XX/2019 at XXXX XXXX XXXX, XXXX, GA. 
My total came to {$44.00}. The transaction was declined twice. I notified the manager whom checked their POS System & advised there was no authorization or transaction on file. They swiped my card a 3rd time at another kiosk, the tranasction was approved then. 
I checked my account to find 3 separate charges IAO :  {$44.00} Each with the funds debited from my available balance. 
I called Bluebird & spoke with 4 different people including 2 supervisors who offered zero solutions, disputed with me that all the charged were approved, only reading from a script stating the charges will remain on my account for 8 calendar days. 
I want My Funds Back Available on my card Immediately!

There needs to be an Investigation into this company which has been outsourced to XXXX, they only understand their own culture, Never taylor an Appropriate resolution for each unique customer issue, they do Not Listen yet persists to rudely interrupt, they charge erroneous fees, leave you on hold, then hang up on you.
Consumer complaint received 2019-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

To : CFPB ( Consumer Financial Protection Bureau From : XXXX User Dear CFPB, My complain is about my paypal account that was in limit. I don't know my grounds or violations I did. It was happened when my friend 's paypal name XXXX XXXX got in limit status. At first her paypal was in temporary limits and he appeal the problem and also she talked to the paypal in limit department about what happen why her paypal got in limit she only did was to add a card so that she can withdraw the money from her account but unfortunately the paypal response to her about the status and the paypal didn't accept the appeal and it turn that her paypal became permanent limits. She always keep on asking about what was her grounds and the paypal can't point out the main reason. On that time we plan to transfer the money from her account to my account so that the fund will be withdraw because that fund was compulsory fund and she need that fund, because during that time her daughter was admitted in the hospital for XXXX XXXX. We attempt transferring the money many times and we did it and I receive the money after all. But after what we did the paypal also send me an email about the status of my paypal and so bad to my apart and also to her because it came out that my paypal also was in temporary limits. And again we did to appeal but unfortunately the paypal denied my appeal and it turn into permanent limits. To this complain center I need your help sir/ma'am to have an action regarding about my problem in my paypal account XXXX XXXX XXXX need that fund for her financial problem right now. We look forward this matter. I hope this will be fix soon. Thank You and GODBLESS
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Bank , NA, paid a check that was written for {$2000.00} for {$3000.00}. A {$1000.00} mistake. When the local branch was contacted in XXXX, Georgia, we were told that a " machine '' reads the checks and it was read as {$3000.00}. A copy of the check should be attached. As you can see at the dollar amount, there is a " comma '' after the number {$2.00} in the dollar amount of the check which makes it look like a {$3.00}. It is my understanding that checks are to be paid by using the hand written amount instead of the dollar amount written on the check. The hand written amount states " XXXX XXXX XXXX XXXX and XXXX cents ''. So what is this " machine '' that reads the dollar amount of the check instead of the handwritten amount and are consumers aware of this practice?
Consumer complaint received 2019-04-19
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: Experian Information Solutions Inc. (CA)

On XXXX XXXX XXXX responded to Federal CFPB that XXXX  XXXX XXXX # XXXX derogatory remarks of XXXX was deleted from my credit report and XXXX  and XXXX XXXX XXXX XXXX falsify to Federal Government that XXXX, XXXX that I had late payments. 
According to my XXXX XXXX checking account ending # XXXX evidence it shows that all my timely payments was called to XXXX Rep before due date of each month on the XXXX. 
This is a Retaliation and Discrimination of XXXX, Experian, XXXX  and XXXX XXXX XXXX administration for preventing me from obtaining a VA Loan and destroying my credit and scores. 
A Federal Discrimination and Retaliation was filed against XXXX, XXXX, XXXX and Experian with ADA Disability Civil Rights Act under the Department of Justice file case # XXXX.

I am respectfully requesting a Federal Investigations against  XXXX, Experian, XXXX  and XXXX  immediately. 
I am going to give my Privacy Release Consent to US Senator XXXX XXXX on my Federal Complaints and issues of Discrimination and Retaliation of my National Origin as XXXX XXXX American.. 
I am respectfully XXXX XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
This is a Urgent Matters!
Consumer complaint received 2019-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

I received notice from XXXX XXXX that a debt collection had been added to my account, thereby substantially impairing my credit. I dispute this debt ; I paid my bills regularly for the almost 20 years that I lived in Ohio. This is apparently a claim that I owe {$69.00} to a utility company, XXXX XXXX XXXX I have not been a customer of this company for almost two years, and received no written claim or verification. I want this removed from my credit account immediately. This feels like a scam created to coerce money from me by ruining my credit rating.
Consumer complaint received 2017-06-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I 'm a co-borrower to 4 student loans for my daughter. The interest on the loans keep going up, therefore, my payments continue going up. I pay over {$800.00} each month. The balance is over {$100000.00} and it does n't appear to get any smaller. I have called them in different occasions and they state there is nothing they can do, and that the interest will keep going up. Currently the two largest loans are at over 7 % interest rate. A smaller one is at over 4 %, and I paid in full the fourth loan I had over 9 % interest rate. They told me to put my loans on automatic payments and that it would keep the interest rate low. I did that but the interest rate keeps climbing. I have been paying these loans for about 8 years and the balance is pretty much still the same. Please help
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

In XX/XX/2018 I reported my card missing and the attached charges were made fraudulently. Usaa platinum susequently reversed the charges and all interest charged. A few months later they put the charges back along with interest.They explained whoever had card did it with PIN number. This was not me or anybody I know. I have asked them numerous time to reconsider and this matter has fallen on deft ears,
Consumer complaint received 2019-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (AZ)

I had XXXX XXXX XXXX XXXX for a few years. When we decided to move to another state I called XXXX XXXX XXXX and cancelled our internet on XX/XX/2018. I was informed that we need to return our equipment within 21 days. I received the box and shipping label and the next week took the equipment to a XXXX store and sent it out. This was the first week of XX/XX/2018. In XX/XX/2018 I recieved a letter I was being sent to collections for a total of {$160.00} for XXXX XXXX XXXX citing 'equipment wasn't returned '. I called and they opened up a case for me. In XX/XX/XXXX I recieved my collections letter. I called XXXX XXXX XXXX back and gave them my case number and she found that 'The equipment was in the warehouse the entire time. It was recieved in XX/XX/2018 ' So this was just a mistake on their part. A mistake that is ruining my credit! I XXXX a simple XXXX wrongfully sent me collections ' and found pages after pages of people going through the exact same thing.
Consumer complaint received 2019-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (OH)

I have a unverified account from XXXX XXXX / XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX / XXXX  Cease and Desist all further communications. XXXX XXXX / XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against XXXX XXXX / XXXX  with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST.
Consumer complaint received 2019-03-17
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: EQUIFAX, INC. (LA)

I've been trying to dispute an inaccurate account on my credit reports with the credit bureaus for the past two months. The credit bureaus have been responding back the account is verified. I have no idea how that is even possible with all the inaccuracies across the credit bureaus and the paperwork i received from XXXX XXXX XXXX ( The original creditor ) Account number XXXX. I will point out the inaccuracies and being that the credit bureaus have verified this account 3 times already, this complaint does not mean UPDATE the accounts and any UPDATES to this account will be a violation of the FRCA. They have ALREADY updated the payment history several times after saying the account is VERIFIED. 

This account is reporting on XXXX as AN INSTALLMENT with a balance of {$20000.00} with the original balance of {$11000.00} This account is reporting on XXXX as INSTALLMENT with a balance of {$20000.00} with a highest balance of {$10000.00}. 
This account is reporting on EQUIFAX as an INSTALLMENT with a balance of {$5500.00}. 

After reviewing my contract this account was written up as a RETAIL INSTALLMENT CONTRACT with a balance of {$6000.00}