davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express advertised its relationship with XXXX as a feature of the XXXX XXXX The feature gives consumers up to {$100.00} for using XXXX to purchase airport lounge tickets through their website. I obtained this card in part because of this added feature. However, when attempting to use XXXX, the app does not allow purchases for all airport lounges. In visiting XXXX XXXX XXXX XXXX XXXX does not allow purchase to any, with over 10 lounges available at the airport. Instead, for the lounges I was interested in, the application simply told me to just walk into the lounge and buy a ticket. 

In reviewing the conditions and terms of this benefit, American Express is requesting that consumers purchase tickets through XXXX to receive the credit. However, the limited availability of the third party does not allow consumers to comply with American Express 's requirements. In addition, terms and conditions presented by American Express do not detail the limited availability of the third party, which, if disclosed, could assist consumers in making informed decisions about the card, as this card also comes with an annual fee. It is a tactic of American Express to market the card benefits as an attraction and that " the card pays for itself. '' Unfortunately, due to this relationship, this card does not. 

This appears to be a violation of the Federal Trade Commission Act, Section 5. Truth-in-Lending requires disclosures to be clear and conspicuous. Disclosures from American Express failed to detail that the third party does not permit purchases of all lounges, which would give consumers accurate information to make a credit decision. The bank has also failed to monitor and audit its third party, as the terms and conditions posed by American Express do not align with the offerings of the third party, presenting consumer harm. The marketing of this benefit by American Express is deceptive. 

I have already purchased two lounge passes with airlines that XXXX does not offer a sale for and I am requesting that American Express honor their agreement and provide me the {$100.00} statement credit come year-end.
Consumer complaint received 2021-04-04
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: Commonwealth Financial Systems, Inc. (MD)

XX/XX/2021 XXXX XXXX collection agency reported ) A derogatory mark on my credit report per XXXX Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.
Consumer complaint received 2018-05-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I opened an account in wellsfargo XX/XX/XXXX and with out I knowing they did have me unroll me in a called XXXX XXXX XXXX XXXX I did signed for that but on XX/XX/XXXX I had an accident that stoped me from working social security give the benefits on XX/XX/XXXX in XXXX XXXX I couldn't work so I did have a place to stay so I end up in XXXX with my family I started the XXXX in XXXX XXXX. Few months ago wellsfargo send me a latter about this benefits would end soon then I knew about this benefits and that wellsfargo has been taken money from my account paying for a service I didn't know about charges or the benefits they told me that's if I get to be in XXXX they may help me. I talked to them about my health issues then they said it would work for me sinse im in XXXX I applied for the benefits but now they wanted a letter from doctor in XXXX XXXX I sent them my papers from social security that states im in XXXX sinse XX/XX/XXXX they asked for the first time I talked to them but now they wanted a letter from my doctor here in XXXX I'm a XXXX something year old lady who this bank wellsfargo is trying to take advantage of
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain inquiry in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX I disputed this account self account in writing stating I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. No proof of investigation was provided nor was the negative payment status updated for all XXXX self accounts
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On my XXXX account, I requested for the statement " disputed by customer " to be removed from all XXXX  credit bureaus but it's still on my credit files. This should be deleted immediately.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This company have violated my Federally protected rights on more than one occasion.

There are late payments on my account where that information should not be reported based on US code 6802. This law also states that no non-public information should be shared with credit agencies or 3rd party organizations. US code 1666b also states that that no credit card payment under an open end consumer credit plan should be treated as late for any purpose.

15 USC 1681 also states I have a right to privacy and also state that a credit agency can put furnish anything without my written instructions. 

I have moved forward in filing a lawsuit on Experian and XXXX. XXXX did remove items but if they do not continue to remove items I will be filing on all 3. This will be my second lawsuit on Experian after one successful settlement.
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (MI)

A. Young from American Express Customer Advocate Services Team responded to complaints { XXXX, XXXX and XXXX } on or around XXXX XX/XX/XXXX. However, the obvious inconsistencies in the table from XXXX XX/XX/XXXX were not addressed in the response. Therefore I filed CFPB complaint XXXX. American Express closed out the complaint alleging it was a duplicate of XXXX. AMEX knows or has reasonable cause to believe the information it is furnishing to the CRAs is inaccurate. The table from the XXXX XX/XX/XXXX reponse clearly shows an alleged missed payment that was 30 days past-due in XX/XX/XXXX, that magically becomes 120 days past-due in XX/XX/XXXX. It should be noted this is the exact number of days past-due ( XXXX billing cycles ) AMEX requires under its policy to charge-off accounts. As such, it appears AMEX changed an alleged missed payment from what at most would have been sixty ( 60 ) days past-due to 120 days past-due with specific intent to charge-off the account in XX/XX/XXXX and defame me in the process. AMEX claims there is no way to correct any of the information as shown by the CRAs because they do not control the information " displayed '' by the CRAs and because the account has already been charged-off. This is disingenuous at best because AMEX is the data furnisher that provides the information for the account/tradeline to the CRAs and has methods available to correct information AMEX knows or has reasonable cause to believe is incorrect : submission of the Universal Data Form to the CRAs with information to delete/remove from the account.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/XXXX  ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-26
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. (TN)

The statute of limitations on debt in the state of Tennessee is XXXX years. This means that if a debt has not been repaid in XXXX years, the lender can not sue to collect the debt. 

This dept has been paid in full & was suppose to be deleted from my credit report. I'm not sure why they would update any information when there's no debt owed.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am writing to file a complaint against Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for their failure to pay my property taxes despite having sufficient funds in my escrow account. This failure has resulted in late fees and penalties being assessed against me by the XXXX XXXX tax authority. 

Details of the Complaint : I have impounded my property taxes in my escrow account with Select Portfolio Servicing. My escrow balance exceeds {$10000.00}, which is more than sufficient to cover the property tax installments. 
The first installment payment of {$4200.00} was due on XXXX XXXX XXXX Despite the availability of funds in escrow, Select Portfolio Servicing failed to make this payment. 
As a result of their inaction, the XXXX XXXX tax authority assessed a late fee of {$420.00} against me. 
I have attempted to contact Select Portfolio Servicing on numerous occasions ( 10 phone calls ) to resolve this issue, They tell me the same things saying they will get paid for weeks and escalated the problem but County tax doesn't show it's paid. 

I request that the CFPB investigate this matter and : Require Select Portfolio Servicing to immediately pay the outstanding property tax installment of {$4200.00} to the XXXX XXXX XXXX XXXX 
Reimburse me for the late fee of {$420.00} that was assessed due to their negligence. 
Take appropriate regulatory action against Select Portfolio Servicing to prevent similar violations in the future. 

Select Portfolio Servicing 's failure to pay my property taxes despite having sufficient escrow funds is unacceptable and has caused me financial harm. I urge the CFPB to take swift action to address this issue and hold Select Portfolio Servicing accountable for their negligence.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my Rights
Consumer complaint received 2023-04-11
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. (OR)

I do not owe money to XXXX, XXXX or XXXX XXXX there is no contract between me and them and I have asked experian, XXXX and XXXX to produce proof of contract and they have not
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (CO)

we went to court today and ally bank sent me paper work why they shouldnt repo the car its the samething over again. the lady at the court house wouldnt let her i fired my attourney and hired another one who will work to pay off the credit cards and the car the ally bank spokes person is telling me she wants the car. i want my XXXX bank account Subpoenaed there was XXXX in that account i also had XXXX XXXX who is being sued. so please file a subpoenaed, can you please help me
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TN)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my Rights
Consumer complaint received 2022-12-20
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (FL)

FOR XXXX YEARS AFTER FILING XXXX PROR COMPLAINTS WITH CFPB COUNTRY WIDE MORTGAGE HAS CONTINUED TO MISAPPLY MY PAYMENTS AND MOST RECENTLY APPLIED MY LARGE PAYMENT TO SOMEONE ELSES ACCOUNT. THEY HAVE CONTINUED TO FALSLEY REPORT LATE PAYMENTS TO THE CREDIT BUREUS AND I CONTUE TO SPEND HOURS WRITING LETTERS, SENDING COPIES OF CACELLED CKS, AND FINALLY CONTINUE TO NOT GET ANY RESULT THAT WOULD INDICATE THAT THESE MIS APPLIED PAYMENTS WOULD NOT LONGER CONTINUE.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (FL)

I XXXX XXXX XXXX recently received a copy of my credit report and seen the illegally reporting which are unauthorized inquiries. The following inquiries listed are from - ( XXXX XXXX XXXX 700 CreditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize the listed company 's to access or report any inaccurate information on my credit files. I am need assistance with removing the unauthorized inquiries from my credit report.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

i have been getting calls from Portfolio recovery for years over a debt that iiiis not mine. it's the same name but not exact to my own. ive asked them to send me the info showing i applied for the credit and they have not been able to show anything. the statement they provided is for a " XXXX XXXX '' however i have never gone by that name ever especially when applying for credit. it's a XXXX name not a legal name. I asked for them to verify the actual applicaation submitted to the creditor and all they submitted to me was a statement which proved nothing as i suspected.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Family Education privacy Act of 1974. my school loans should not be reporting on my credit reports. 

15 US Code 1679 ( c ) Disclosure. Under the law any items reporting after 7 years must be removed from your credit report.