davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

Aldous and Associate 's continue to report this fraudulent debt on my credit which is damaging to my reputation. I have asserted on several occasions that I do not in fact owe this debt to them or anyone else yet despite that they continue to disregard FDCPA and FCRA by reported this debt. This debt has not been validated whatsoever. In addition my privacy is being violated by Aldous and Associates having access to my private and personal information. They refuse to follow the law and disregard my CFPB disputes as though they are above the law. This is very damaging to my credit reputation and I intend to seek damages for every day this account shows up on my credit. Lastly they have not updated the report as being in dispute despite their Last response to the CFPB. This is a complete and total reckless disregard to my rights as a consumer as well as the laws that govern the reporting and dispute of alleged debts.
Consumer complaint received 2024-07-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MA)

Subject : Discrepancy and Unresolved Issue with American Express Bill Pay Service The check was never cashed. It was deposited and returned, instead of reissuing the check or returning my money SERVE by AMEX has refused resolve the problem. 

On XX/XX/year>, American Express Bill Pay service issued a check ( check # NO XXXX ) from my account to my landlord in the amount of {$1600.00}. Unfortunately, upon attempting to deposit the check, my landlord was informed by the bank that it could not be cashed due to a " refer to maker '' notation. 

Despite my efforts to rectify this issue through multiple interactions with your customer service representatives, my case has been prematurely closed with assurances that the check had cleared. Attached to this communication are documents, including the returned check and correspondence from the bank, verifying that the check was indeed rejected. 

Furthermore, I was provided with incorrect email addresses to submit my documents, adding to the challenges in resolving this matter. I have meticulously documented all communication with your company, including details of the misinformation provided. 

Enclosed with this letter, you will find proof of priority mail submission of these documents, demonstrating my exhaustive efforts to seek resolution. This serves as my final attempt to resolve this matter amicably before pursuing legal action against AMEX SERVE in small claims court. 

I trust that this issue can be promptly addressed to avoid further escalation. 

Sincerely,
Consumer complaint received 2019-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP (NY)

Attached is the XXXX statement for XXXX XXXX. 

Key Bank is claiming a lack of standing for me tp complain about its conduct, because I am not the executor of XXXX XXXX 's estate. I am still a successor-in-interest and have completed the successor-ini-interest form, sent it to Key Bank and the company has acknowledged its receipt. As a beneficiary of the estate, I do have an interest in Key Bank 's malfeasances that affect that interest and believe that the CFPB should insist on a response from the company other than a claim of a lack of standing of the complainant. 

Key Bank is again charging for fees an inspection fee and legal fees - that have not been approved by a New York State court, which pursuant to New York State law is required before they can be assessed ( see p. 2 of the XXXX monthly statement ). 

Key Bank is claiming these fees are part of the delinquent balance, even though these fees have not been approved in kind or amount by a New York State court. This makes it more difficult for a borrower to cure the deficiency and the default. If I were the CFPB, I would make sure Key Bank is not doing this systematically with other borrowers, because it appears to be computerized. See p. 1 of the XXXX montlhly statement, the identified past due amount and the amount currently due. 

Legal fees assessed to this borrower include legal fees in which the attorney proponent of the legal document ( motion for summary judgment ), XXXX XXXX, XXXX, now formerly of XXXX, XXXX, XXXX XXXX XXXX, XXXX, violated his oath pursuant to New York State CPLR 3012-b that the motion had merit even though it took the position that a home loan was no longer a home loan just because the borrower died, which is the opposite of the position Key Bank has taken with the CFPB, such that Mr. XXXX should have been collaterally estopped from making the argument, and he had an obligation to review the file before making the representations he did in his legal papers. XXXX XXXX, XXXX, also now formerly of XXXX, XXXX, XXXX XXXX XXXX , XXXX, was his supervisor and, at a minimum, violated New York XXXX 's professional legal code of conduct 's rule associated with " Fairness to Opposing Party and Counsel, '' as, of course, Mr. XXXX violated also in so far as he violated the state 's criminal code regarding making a false sworn statement, a Class A misdemeanor in New York State. I do not such legal fees should be assessed, but, as I have written before, that is why a New York State court needs to approve the Key Bank 's assessments ; certain, if not all assessments, may not be approved.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

I have a discover Card on my report, I did not open an account with Discover, nor did I co sign on a account. I want this removed from my credit report ASAP. Under the current laws I thought that company had to prove that an account belong to the person before placing on a report.
Consumer complaint received 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (NJ)

I was desperate because I was facing a possible eviction and I applied for an online loan to pay the rent and they gave me a XXXX XXXX XXXX  loan, payable every two weeks debited directly from my bank, when I saw that they charged {$390.00} I called them to ask why they charged me such a high monthly bill, and they said no, that amount will be debited every two weeks, and told me that the interest is 466 % interest. 
I told him I can't pay XXXX XXXX  a month for a loan of XXXX XXXX XXXX  and he told me you already signed, but I don't remember seeing that amount in interest. 

I think it's a scam that they charge 466 % interest, they charged one installment and stopped the payments at the bank because I can't pay that amount in interest, it's crazy.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.