davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
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: AMERICAN EXPRESS COMPANY (MA)

We purchased products from XXXX XXXX ( XXXX ) In XX/XX/2020. Items showed up damaged and order was incomplete in XX/XX/2020. Also company over charged us for items we did not order both products not received and damaged. Company charged us for shipping then claimed we were responsible to submit claim. However you can not file a third party claim for shipping. 

We have contacted and submitted information to Amex showing that XXXX committed fraud and violated consumer rights issues. As well as delivered damaged items and incomplete order.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Key 2 Recovery, Inc. (OH)

On XX/XX/2021 I sent XXXX XXXX XXXX  a letter to settle the alleged debt but they ignored me and within a few weeks hired a company to collect the debt ( Key 2 Recovery ). According to federal codes & laws ( which overpowers state laws ), It's against the law to attempt to collect a debt unless one is a US attorney and has a contract to lawfully collect debt. This is false and misleading representation. Also, XXXX XXXX XXXX  and Key 2 Recovery are both conspiring against me which breaks 18 USC 241.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX {$8100.00} XXXX XXXXXXXX {$49.00} ( Original Creditor : XXXX XXXX ) XXXX {$420.00}
Consumer complaint received 2021-11-03
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. (MD)

I disputed my XXXX credit card with Equifax because they are reporting incorrect/inaccurate information! They are reporting all these late payments which is destroying my credit scores that I have worked so hard to improve. They are reporting 40 late payments! How is that even possible when on the actual chart they are reporting 3?! I have disputed and disputed with them and all I get back is we are reporting accurate information! Obviously your not! I have the proof right here! My next step is going to be getting a lawyer I am so tired of them just reporting whatever they want and telling me its accurate! This is my last stop before I contact my lawyer! I have worked way too hard for them to report whatever they want to! How do you have an account that has been charged off as of XXXX and is closed still reporting late payments as of XX/XX/XXXX? Makes no sense to me!
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

I opened an account with PayPal early this year, around XXXX time. I opened it on recommendation from a friend who uses it to make deposits and withdrawals to online casinos. I have similar interests, so the service appealed to me. Since opening it I have used the account on a fairly regular basis to also deposit and withdraw from online casinos. To confirm, all the casinos I play at are regulated by the state and actively advertise their association with PayPal for use with their accounts. 

A few weeks back I had some luck at one of the casinos and was able to make some large withdrawals to my account. Then, on XX/XX/XXXX I tried to send some of this money to my friend who also uses PayPal. The transfer was declined. The next time I logged into my account I had requests for documents to prove my ID and ownership of my bank account. I thought this seems perfectly normal as the transfer was quite big and they might have checks to complete. I provided the information they requested on XX/XX/XXXX and XXXX. 

They also had asked me what the purpose was for a range of different transactions on my account. All but one of these were casino deposits and withdrawals, which I found strange because surely they'd know what those transactions were. I provided the requested details regardless. 

However, I have now received an email saying that my account is being closed and they are seizing my money! The balance of my account is {$15000.00}. They are saying that they are keeping my money for 6 months! They can not be allowed to do this. What right do they have? I need your help with retrieving my money, please.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXX XXXX Date of inquiry XXXX
Consumer complaint received 2021-11-03
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. (CA)

Back on XX/XX/XXXX, I had called XXXX to close out my account which was a Pre Paid Cell Phone. I told the customer service representative I no longer needed this account since I opened up another new account with XXXX XXXX XXXX and it did not make any sense to have two cell phones. She understood and had told me since it was a pre paid account, I was not on any contract and I just needed to pay the final billing which was for the phone. She told me my final billing was for {$200.00} and reassured me that would close my account. I paid that amount with the rep over the phone ( recorded phone call conversation per their end ) with my XXXX visa debit card in full. I attached my bank statement showing proof of payment on that day for your review. A month later I received another bill showing my account was still open. I called XXXX and they said they were going to research my account and never got back to me. A few weeks later, I went to the store in person and spoke with a manager. I explained the situation and showed him my proof of payment and previous statement. He told me he could no longer pull up my account in the system because it was closed. He then made an attempt to contact another Dept which took over an hour because he kept getting the run around. Again, he told me the same story that he will get back with me but never did. Now its reported on my credit report. Last Friday, XX/XX/XXXX, I disputed it with XXXX and it was investigated and removed but Transunion said they conducted their investigation and said it was accurate information therefore left it on my report. This is obviously not accurate information and should be removed immediately on my transunion report. Can you please help me resolve this issue? Thank you
Consumer complaint received 2021-11-02
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (IN)

My name is XXXX XXXX XXXX XXXX. I started a plumbing company and did well for a year and a half then the vivid pandemic hit. During the pandemic, I had to shut down for XXXX weeks due to a covid scare, then my main income, which was plumbing in new custom build homes, stopped due to the strain of the pandemic on my customers. I applied for different Covid assistance programs but the money for businesses was already depleted before I could get any help. This put me in debt and as a result I had to shut my company down. I have XXXX late payments on my truck loan with Santander USA. Late payment one was XXXX of XXXX, late payment two was XXXX of XXXX, and late payment three was in XXXX of XXXX. I also suffered an eviction after a short time with no heat or water due to the loss of income. Since XXXX I have gained and maintained a steady income, paid off the majority of debts/collections I accrued, and paid my bills on time. I currently live with my mother and need to get a new home, a mortgage advisor suggested I call Santander USA and attempt to have the late payments removed so I can qualify for a mortgage before XXXX of XXXX. I also have been declined by rentals mainly due to the late payments Santander USA reported during a worldwide pandemic. I offered to make extra payments or do anything proactive to have the late payments removed and Santander USA refuses to remove any late payments accrued during the worldwide pandemic that everyone, especially small business owners, was effected by. I believe I should be given the opportunity to have these late payments removed considering the worldwide pandemic that was happening and hope that you can help. 

XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX Company in complaint : -Santander USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

For the past 3 months, I have been trying to cancel the PMI on my loan under the Homeowners Protection Act of 1998. I have met all the requirements yet my mortgage lender kept denying me for inconsistent reasons. Sometimes they say my equity is not 80 % and others that I didn't meet payments history ( I attached their latest letter ). 

I never missed nor was late on any payments ( even according to their statement that I highlighted ) since I borrowed the loan ( see attached payments history I printed out from the mortgage lender website ), and my current equity ratio is 79.8 % ( see attachment from the the same website ).
Consumer complaint received 2021-11-02
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. (MI)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE DELETED, AND EMPLOYERS THAT ARE WRONG THAT NEED TO BE DELETED. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/21, I applied and was approved for an American Express XXXX card. The promotional mailing I received stated that I would receive XXXX bonus reward points by spending {$1000.00} in the first three months of the account being opened. This was printed on both the outside of the envelope and then in detail on the enclosed offer. I applied by going to the website listed on the offer letter and entering the code provided. I proceeded to spend over {$1000.00} in less than a month, specifically because I wanted the XXXX bonus points to use toward booking travel around XXXX time. The bonus points and travel I could purchase with them were the only reason I took the card out in the first place. Once I saw that the bonus points were not showing as either awarded or pending, I contacted Amex by phone and a case was opened. After a couple weeks, American Express concluded their investigation and said I was mistaken and that my card offer did not include a welcome bonus. Since, I have repeatedly contacted the company by phone and chat and have spoken to both representatives and supervisors. Despite the fact that I know what the mailing said, because its the only reason I immediately got my phone out and applied for the card, Ive been told that Amex has determined that theres no bonus offer on my card. Even though Amex *still* has a welcome offer for that card ( though its currently showing XXXX points instead of XXXX ), there internal investigation has found that there was no offer on my card at the time I applied ( and therefore that I must have applied for a card with no particular benefits for no reason, I guess ). I requested that Amex reproduce my offer letter, to show me how Im wrong about this, and they said they cant do that. Basically, they got me to take the card out with this really good offer, and now wont honor it and they keep saying theyre right because they say so. 

Unfortunately I do not have the original card offer. I think its pretty reasonable for a consumer to shred such an offer after applying for the card and trust that the company is going to fulfill its offer.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (NJ)

I feel that this accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall this account. Please investigate these items and delete within 30 days. I am very stressed about this and it effects me daily. PLEASE HELP ME AND DELETE THE FOLLOWING ACCOUNT FROM MY REPORT US DOE/ XXXX - ACCOUNT # XXXX
Consumer complaint received 2021-11-02
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. (TX)

I like to file a complaint against Equifax for reporting inaccurate information on my credit report. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit file I was told " Bankruptcy Courts has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX XXXX from which Equifax has got this information from and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part XXXX XXXX perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Statebridge Company (NJ)

Dear Statebridge, Re : Attached XX/XX/XXXX Response Letter to the CFPB Thank you for the attached XX/XX/XXXX Response Letter to the CFPB. 
In the attached response you are advising account number for XXXX XXXX XXXX. 
How do you have access to XXXX XXXX XXXX records? Are you the same company? On what document were you relying to provide what you allege is the XXXX XXXX XXXX account number. Please provide a copy of the document ( s ) for our records. 

The payment history you enclosed with your XX/XX/XXXX Letter posts late charges and hazard insurance. 

Please note that the homeowner 's insurance was in place at all times and never elapsed and your payment history is incorrect and requires immediate correction in compliance to Federal law.

Please provide the applicable law that allows Servicers to charge late fees on deflated loans. Or in the alternative, take immediate corrective action. 

As per the attached XXXX XXXX XXXX XXXX Loan Schedule, the XXXX account number posted is neither of the account numbers for Statebridge or XXXX XXXX XXXX you provided in your letter. 

Your letter states : Statebridge Loan Number : XXXX XXXX XXXX Loan Number : XXXX As per the attached XXXXXXXX XXXX XXXX XXXX  Loan Schedule the allocated purchase price for XXXX account # XXXX is posted as {$330000.00}. As per the attached XXXX IRS FORM 1099-A, XXXX XXXX XXXX posted {$530000.00}. We demand a corrected and/or Void notice for this XXXX IRS FORM 1099A.

Provide the identity of the party and their authorization for you to act as their authorized represenative. 

We dispute and deny this debt and proof thereof as per all applicable law including but not limited to FDCPA and RESPA. 

Thank you very much for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2021-11-02
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)

On ( XX/XX/2021 ) I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-11-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (NC)

XXXX and XX/XX/XXXX ( 60 days ) Disputed XXXX XXXX with Veterans Administration. XXXX XXXX XXXX XXXX XXXX was Given Proper Billing information via Drivers License, XXXX  XXXX XXXX upon Entry to ER in XXXX of XXXX. Veterans Administration XXXX XXXX XXXX XXXX XXXX for 'Inpatient Treatment ' from XXXX XX/XX/XXXX thru Mid XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX sent bill to collections rather then VA Administration
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (MD)

This account is not mine and was established fraudulently. This information was provided to the original creditor. A police report was filed, and this matter was previously disputed. The account was previously removed, however for some reason, they keep reporting this inaccurately to the credit bureaus.
Consumer complaint received 2021-11-02
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. (DC)

Transunion continues their lies, fraud and iLlegal activity by not investigating my complaints of fraud by XXXX XXXX and XXXX XXXX XXXX, two fraudulent illegal companies committing fraud and illegal activity by placing fraudulent illegal amounts on my credit report. transunion refuses to investigate and PROVE i owe this money which I do not!! I do not owe westlake or XXXX XXXX XXXX any money! Transunion continues to LIE and state we investigated the amount which they didnt. Transunion has NEVER proved how they investigate or provide me a copy of their INVESTIGATIVE report, WHICH IS VIOLATING FEDERAL LAW!! Transunion continues to LIE and violate section 609 of FCRA which specifically states any alleged debts must be proved in writing. Transunion HAS NOT!! they do not investigate this matter NOR provide to me WRITTEN proof of the investigation AS REQUIRED BY LAW!! REMOVE XXXX XXXX AND XXXX XXXX XXXX FROM MY CREDIT REPORT IMMEDIATELY!