davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (GA)

Early Tuesday morning, I received a " Card Not Present '' email notice from Amex o Merchant was XXXX o Charge was {$490.00} o Card number ending in XXXX was one I did n't recall o Called my wife XXXX asked her what did she buy at XXXX XXXX ( woke her up, that did n't go so well ). Asked her to read me her card numbers, no match. 
Called Amex, spoke with XXXX ID XXXX XXXX told me our card ending in XXXX was canceled in 2013 ; there may be some continuity accounts, I formally disputed the charge, she said they would monitor the pending transaction. Only be concerned if the {$490.00} charge posts. 
I seem to recall the card was canceled due to being notified by Amex replacement cards for my account were being sent to XXXX Florida. We live in Georgia. Called Amex, they said do n't worry we will issue new cards to you. Next day I receive a XXXX tracking number for the cards going to Florida. Called Amex, they said do n't worry that card has already been canceled. Called the local Georgia police department, thought they may be interested notifying Florida police so they could apprehend the Florida criminal ( s ). They could n't be bothered. 
Wednesday evening an email from Amex tells me the disputed charge has posted. 
o I look at my account, there it is, posted to our current XXXX Amex account number Next day, completely unexpected, a hideously ugly shirt, XXXX I would never wear, shows up in our mail box via USPS o Oh XXXX, now we merchandise o Is this related to the nearly {$500.00} charge? My wife XXXX does n't see how it could be, but I 'm suspicious Who in his right mind would pay {$490.00} for a really ugly ( XXXX brand ) shirt? Check out this " XXXX '' website and their prices : XXXX A call to XXXX confirms the {$490.00} charge is for the shirt o Called Amex again, asked for their fraud department. They say this makes no sense as compromised cards should no longer be valid or ported to a new account after 45 days. 
Nonetheless Amex accepted the charge from XXXX off a card canceled in 2013 for {$490.00}. 
o Called XXXX, ( 1 hour and 30 minutes ) they say, due to security reasons, unless we can provide the " G-Mail '' address of the XXXX account associated with our canceled Amex card, ( I have never had a " G-Mail '' address ) they can not allow us to access the account, nor can they authorize a return for the {$490.00} shirt, nor can we cancel that XXXX account. 

The above is not the whole story ... 
There have been numerous other phone calls to Amex and XXXX not to mention requests to escalate this issue to higher ups. 

This is the classic Catch 22. We ca n't cancel the bogus XXXX account because we do n't know the criminal 's email address, and we ca n't get a commitment from Amex that no more charges will post against our Amex account number canceled in 2013. 

Not only that if we cancel our Amex cards now, we will forfeit our XXXX cash back dollars. 

It appears the crooks are now smarter than Amex and XXXX combined. 

Not sure what happens next.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I have worked with Equifax for over a year to try and get my credit score from them. I signed up for the {$29.00} a month service to pull my credit and every time I have tried since XXXX XXXX of 2015 it fails. They have also not supplied my credit files companies and cost me buying a boat this XXXX. I have called, faxed, email literately over 100 times. I always get the standard answer " we have to escalate your problem and it will take 7-10 days '' no one ever contacts me and it never fixes anything. They are saying my credit file is too big but I have never had a problem with the other XXXX bureaus. I am hiring a lawyer next being I am being held hostage from seeing my credit and I paying a monthly fee not to see which really sucks! I am attaching a few of the XXXX emails I have to and from them in the last year for proof. Remember this is less then 5 % of the failed emails and case numbers. I have outstanding credit and I being punished for some reason unknown to me by Equifax!
Consumer complaint received 2016-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (ID)

I called in regarding a debt that was being collected on. I was calling to dispute the debt and was not advised to write a letter stating the dispute. I called back in to verify and was hung up on. The third time the agent was correct in saying I needed to write a letter ; however, it was after I stated the requirement.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

I have asked Equifax to remove over XXXX hard inquires that I did n't authorizes. They keep saying validated when in fact they are n't. I do n't have credit with maybe XXXX inquires. Please correct. That is false reporting
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AR)

I call XXXX on a bill that was not me and was told to call XXXX, XXXX, XXXX. I did and no help at all the address on the person it start XXXX?. XXXX, AR XXXX my address start XXXX XXXX XXXX. XXXX, AR XXXX. EQUIFAX has me I old {$85.00} to XXXX. 
I hade send 8 months ago copy of my ID no help at all XXXX tells me to call Equifax to take care of it so I call XXXX. XXXX XXXX for help I was told to go true Equifax can you please help me my name is XXXX XXXX XXXX
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I applied for a Capital One Credit Card online and received it w/ a {$3000.00}. limit. 
This was about XXXX. I wanted to take cash out and the ATM refused. I called and although I verified all the information, they xfered me to the Fraud Dept. because they think I am not who I say I am ( although I am and I have sent them the documents to prove it ). For awhile I was able to use it at stores as credit but then they restricted that. I kept going online to see when the first payment was due and all it said for the longest time was that the account was restricted. Finally it gave a due date of XXXX/XXXX/15 w/ a {$26.00}. minimum payment. I mailed {$50.00} at the end of XXXX but it never showed online. On XXXX XXXX I called and spoke to a man ( I think he said he was a detective but he is n't a very good XXXX ) and asked him why my payment was n't posted. He asked me the same questions over and over and I just wanted to know why my payment was n't posted. Well, he found the payment, posted it but he did n't backdate it and they charged me XXXX in interest and a {$25.00}. P/D fee. I have written them numerous letters and spoke to the Fraud Dept. several times but for some reason they think this is fraud and they have restricted the card and ruined my credit report. I have never denied the card is mine or the charges. I am making my payments on time. I have done everything to clear this.
Consumer complaint received 2016-10-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

1st issue my original creditor is XXXX XXXX XXXX. They sold the debt to Midland Funding. Midland uses XXXX XXXX XXXX to pay debts. I paid a settlement offer of {$510.00} to XXXX XXXX XXXX XXXX. They told me after 30 days the debt would be updated to the credit bureaus as XXXX balance account settled. After over 50 days they still have n't removed by balance or updated my paid amount.I have disputed it several times with the credit bureaus and each time Midland Funding denies payment. I spoke with Midland Funding XX/XX/2016 and they said the payment has n't cleared so they will report it in an additional 4-6 weeks. I explained to them the agreement made with XXXX XXXX on their behalf. The employee then said she would attempt to expedite the process. On today I spoke with Midland Funding. They are now saying payment was received XX/XX/2016, but it will take another 30-45 days for the credit bureaus to be updated. I then told them they have repeatedly broke the agreement made and I will report them to the Federal Trade Commission.The employee then said they will expedite my claim and the credit bureaus will be notified of the settled amount in 3-5 days. My other complaint is this debt is being reported twice on my credit report. The original creditor XXXX XXXX shows a charge off XXXX balance, and then Midland Funding is reporting that I owe {$680.00}. So this is leaving me with XXXX derogatories on my credit report for the same debt.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MN)

I paid the full balance of XXXX fraudulent credit card accounts that do not belong to me, so I can have the credit card accounts deleted from my Equifax credit report. I paid {$2800.00} to XXXX XXXX XXXX and XXXX XXXX {$1200.00}. Please review the attached bank statement for proof of payment.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was notified in an email of a fraud alert on my credit card and was asked to provide some documents to verify my identity. I provided such documents and after 6 weeks noticed that my account was in the same status. I called to determine the nature of the problem and customer service personnel informed me that they needed further proof of my identity. No one had called me or emailed me during this time to say that additional information was needed.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here are my disputes : XXXX XXXX XXXX XXXX # 1 the date " XXXX/XXXX/XXXX '' does NOT exist yet and I 'm sending you proof AGAIN # 2 the docket # XXXX is NOT correct # 3 XXXX is NOT a court and you need to have the city and state listed # 4 " A : '' is not a liability *You need to remove this account immediately and I 've already notified the Consumer Financial Protection Bureau as well as the XXXX in this illegal matter XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 the open date for Equifax states XXXX/XXXX/06, XXXX states XXXX and only XXXX of you is correct # 3 you have this account listed as included in a bankruptcy and it was NOT # 4 all of the lates that you have on this account PRIOR to it be " included in a bankruptcy '' are incorrect and inaccurate and all payments were made in compliance with negotiated schedule, so I require the documentation that you have in your files that prove that you are reporting this account correctly and completely.
Consumer complaint received 2016-06-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MT)

On XXXX XXXX of XXXX, my business partner and I purchased a XXXX XXXX XXXX XXXX from a person representing himself as the rightful owner. The vehicle was accompanied with a Clear, Lien Free title which we were able to verify with the state of XXXX in which the vehicle was title. We sent the title off to our agent in XXXX where we operate a business. A week later, our agent in XXXX notified us that the vehicle had been reported as stolen. How can this be if we have possession of the vehicle with a lien free title? After investigating this matter further, we discovered the previous owner, now referred to as Gentlemen 1, had a loan balance with CHASE BANK exceeding {$37000.00}. Gentlemen 2 offers to purchase the XXXX XXXX XXXX from Gentlemen 1 and submits payment to Gentlemen 1 in the form of a check, what type of check we do not know. Gentlemen 1 then sends check to CHASE BANK to pay off his auto loan. 

CHASE BANK chooses to release the lien from the title, without placing a hold on the check. They did not allow it time to clear, as they 're company policy requires. The premature lien release from CHASE BANK allowed the second gentlemen to gain possession of the vehicle along with a clear title after apparently writing a bad check for the XXXX XXXX XXXX. The premature lien release from CHASE BANK allows the second gentlemen to resell the vehicle to my business partner and I without reason for suspicion. CHASE BANK is claiming no responsibility for the matter, in fact the customer service person in their fraud department I spoke to stated, " it is our policy to release a lien on a vehicle immediately once we receive a check for the loan amount. '' Regulation CC of the Electronic Code of Federal Regulations allows banks to place holds on checks to prevent this fraudulent activity from happening. Under subpart C of the E-CFR, section 229.38, CHASE BANK is liable for any losses incurred.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

i have written several times over the past several months. equifax has removed a creditor i was in good standing with and it has not been put back. The original company was XXXX XXXX I had a {$5000.00} credit limit paid in full. The account was two years old. The company was sold to XXXX XXXX. I have received email from the company saying they are live and reporting to Equifax, yet it still has not shown up. This has caused my credit score to drop.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WA)

THE XXXX = XXXX, has reported to credit bureau that I owe them {$12000.00}. I was never informed of this alleged debt, and neither was I told that XXXX was reporting a debt to credit bureau. XXXX is payee for Social Security pension and Trustee for federal VA health benefit, and bth of these income sources go directly to XXXX on amontjly basis. When I left XXXX long term facilities on XXXX XXXX, XXXX, I had no outstanding debt except for each upcoming month of care at the XXXX RETSIL facility. I havve received periodic accountings of income received from XXXX and how the funds were disbursed, At no time was there any indication of any arrears after my departure of XXXX XXXX, XXXX. XXXX in conjunction with another party, filed a Guardianship petition during summer of XXXX, and among other allegations by XXXX is that I owed an unspecified amount to XXXX. I questioned this allegation through email with XXXX and I was not provided any documention to verify their contention. I hhave recently been denied for a mortgage loan and also a property management company has refused to rent me an apartment ; both of these have giVen a credit reporting without specification, though i suspect the XXXX report of my owing them {$12000.00} plays a prominent role in the denials. 

I 'M XXXX, IN A XXXX, XXXX, VETERAN AND XXXX. 

I REQUEST YOUR KIND ASSISTANCE.
Consumer complaint received 2016-04-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC (IL)

I took out a title loan with Title Max, but shortly thereafter lost my job on XX/XX/XXXX. I paid the loan up to XX/XX/XXXX, but my employer fought the unemployment claim. I told Title Max on several occasions that they could come and get the car because I am not working and the car is just sitting there and accruing interest. I spoke to the Office Manager XXXX and several others and they keep stating they will allow more time, or see what they can do. I told them I do n't want anymore time and asked that they come and get the car. They have refused 4 times. Meanwhile the car has gotten a ticket for still being in the lot and not having proper plates since it has not been driven since XX/XX/XXXX. I am unemployed and have no way of getting the car to them ( gas money/XXXX ) since my unemployment is the last drop of money I have. I believe Title Max is stalling in order to have the highest possible interest rate activated since they no I can not do anything about the situation. I have spoken with them XX/XX/XXXX, several times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They continue to call and harass me about paying.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

The New York State Supreme Court had dismissed the XXXX XXXX XXXX XXXX in the index number XXXX on Equafax Account # XXXX,. I have enclosed the copy of Supreme Court order.Equifax Has failed and and refused to properly investigate the validity of the XXXX XXXX information even though the New York State Supreme court had dismissed the validity of this wrong information and XXXX XXXX Claim. Why Equifax did not communicate with N.Y.S. Court and further investigate the truthfulness of the information being reported in my credit report knowingly that it would Tarnish my credit report and my ability to receive further finance. They Simply Failed and continue to admit to their mistake under the legal protection afforded to me as a consumer.
Consumer complaint received 2016-01-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: COMMERCE BANK (IL)

While on vacation my account became overdrawn. Commerce Bank charged my account with XXXX overdrafts in the amount of {$36.00} each. I only become overdrawn when my account was charged overdrafts fees When I returned I called the bank and the bank removed XXXX overdraft fees in the amount of {$72.00}. I went to the bank an deposited money in my account and was charged for XXXX more overdrafts. I called to ask why I was overdraw, because my statement never showed I was overdraw, only when the bank charged me for overdrafts. I was told I had a debit at one time that was pending and that made me overdrawn. Then I recalled I had given the hotel the wrong credit card for my room, which I corrected within a hour. I was told they have the right to do this because the amount was pending even thought it never went through. How can a bank charge for overdrafts when money is never taken from your account. 
XXXX
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

XXXX and Equifax have the same debt listed under XXXX different collection agencies. XXXX Reports XXXX XXXX XXXX and Equifax reports XXXX.. Both are reported at {$10000.00}. The original debtor is XXXX XXXX XXXX. There is only XXXX DEBT, not XXXX. This mistake is lowering my credit score more than it should. XXXX or XXXX of these is wrong and should be corrected / removed. Furthermore, I have never heard from XXXX XXXX XXXX, and XXXX XXXX XXXX has not finalized the supposed debt, at times asking for a much lower amount to settle the claim.
Consumer complaint received 2017-02-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: TRANSWORLD SYSTEMS INC (OK)

This is for an XXXX credit card for a debt from 2008 in which they did a wage garnishment from my husbands XXXX XXXX pay for over {$10000.00}. Now they are saying we still owe {$25000.00} for interest that accrued during the time that the garnishment was being paid. I sent them a letter along with a copy of my husbands orders and a Powers of Attorney in XXXX stating that my husband is currently XXXX and falls under the XXXX as XXXX has now turned the debt over to a 3rd party debt collector called Transworld Systems Inc . I just a got a letter today called a Notice of Intent to Initiative Administrative Wage Garnishment Proceedings ... .threatening to garnish my husbands wages again! When will this end and how can they garnish a soldiers wages when he is XXXX?
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MA)

Equifax has not properly investigated my credit report regarding the status of student loans being reported. I have disputed multiple times that the accounts should not have been included in bankruptcy as they are not dischargeable. My bankruptcy case is closed and yet they have failed to update my XXXX student loans held by XXXX as active current accounts. They have never been late but they refuse to correct the information on my report.
Consumer complaint received 2016-10-03
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (CO)

This is about a gift card. 
The cfpd site says they should be good for 5 years?? 
Had this card for not even close to a year. It expired on XXXX. I called CITI on XXXX/XXXX/16 and they pretty much said, tough luck it is no good. 
Its not that is much $ , but the gift card was only some months old.
Consumer complaint received 2016-07-21
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (LA)

I am XXXX. In XXXX my husband was ill and obtained about XXXX. Medical bills were high and we missed XXXX insurance payments which put us in force insurance. We paid this for about 1 year. In XXXX, four years later, we recieved a bill for {$4500.00} for those three months of insurance of which we had already paid into for one year. Then my husband died. We were both elderly, XXXX and on social security. I lost my husband 's income. On XXXX/XXXX/XXXX an XXXX reasonable accommodation request was sent to the mortgage company, the servicer and the attorney. It was considered an at-risk extension request instead of a reasonable accommodation request and was denied on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX requested that I send the reasonable accommodation request to the mortgage company again along with medical confirmation of my XXXX. This was done on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX a status was requested on the reasonable accommodation request and RMS stated that they did not have anything in the file from XXXX/XXXX/XXXX. So all was resent to XXXX and also to their attorney. There is a sheriff sale scheduled in one week on my home and I am not getting answers. I am being treated as though I never submitted my request.