davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
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: AMERICAN EXPRESS COMPANY (GA)

Consumer Financial Protection Bureau, I trust this letter finds you in good health. I am writing to bring a matter of utmost concern to your attention, pertaining to inaccurate reporting and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I find myself entangled in serious issues with American Express, resulting in discrepancies in financial matters and credit reporting that demand immediate attention and resolution. 

On XX/XX/2022, a Motion to Dismiss and Compel Arbitration was initiated. Unfortunately, the plaintiff failed to respond to the filed motion. Consequently, the case was stayed for 60 days from the date of the order 's entry ( attached herewith ), allowing American Express the opportunity to submit the case for arbitration as per the agreed terms. The court retains jurisdiction, and the aforementioned case shall be reinstated upon motion either after the completion of the arbitration process or after the expiration of 60 days. Notably, American Express did not pursue arbitration within the designated timeframe of 60 days. 

These inaccuracies, characterized by my account being labeled as " Closed, '' " Late, '' and a balance being indicated on my credit report, have significantly and adversely impacted my creditworthiness. Such erroneous reporting stands in direct violation of both the FDCPA ( 15 USC 1692K ) and the FCRA ( 15 USC 16810 ). 

Despite my persistent attempts to address this situation by reaching out to American Express, a resolution remains elusive. In light of these circumstances, I am now turning to the Consumer Financial Protection Bureau, seeking your intervention and assistance in facilitating a swift and equitable resolution to this matter. 

I kindly implore your expertise to investigate and address the issues raised above, rectify the inaccuracies, and uphold the principles of the FDCPA and FCRA. Your support is instrumental in resolving this issue fairly and promptly.

I addition Civil Action 22A:02434-3 is currently under litigation. On XX/XX/2022, a Motion to Dismiss and Compel Arbitration was initiated. Regrettably, the plaintiff did not respond to the filed motion. Subsequently, the case was placed on a 60-day stay, commencing from the date of the order 's entry ( attached herewith ). This stay was intended to allow American Express the opportunity to pursue arbitration as per the agreed-upon terms. The court maintains jurisdiction, and the aforementioned case will be reactivated either upon motion following the arbitration 's completion or after the lapse of the 60-day period. It is noteworthy that American Express did not initiate arbitration proceedings within the stipulated 60-day timeframe. 

Thank you for your consideration of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-23
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: Resurgent Capital Services L.P. (FL)

Unverified account. 

This account was removed/deleted from XXXX due to the fact it was unable to be verified or is inaccurate. 

This account still remains reporting with XXXX and XXXX. 

Inaccurate reporting, as the information being reported misrepresents the credit history. 

Section 607 of the FCRA requires that consumer reporting agencies " maintain reasonable procedures designed to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

" In addition, Section 623 ( a ) ( 1 ) ( A ) of the FCRA states that " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ''
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (OH)

I used my  American Express    XXXX   XXXX   XXXX   to pay for a rental car at  XXXX  in  XXXX , CA on    XXXX   XXXX   XXXX     . {$170.00} in damage occurred to the vehicle that I did not do. I did not purchase their insurance because this particular card has the built in insurance to pay for these types of things. AMEX assurance has refused to pay saying that my card is not in good standing which is totally wrong as I pay off my balance monthly and have an   XXXX     credit score  .
Consumer complaint received 2020-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (KY)

On XX/XX/2020, the cares act went into affect. All interest on student loans should then have been stopped. I made a payment on XX/XX/2020 and after that payment was applied my interest balance was XXXX. 
I checked my account on XXXX and the interest balance was still XXXX. 
I continued making payments to this account during the cares act and they went straight to principle. 
I checked my account on XXXX and the interest balance was still XXXX. 
On XXXX I checked my account and my interest balance went up to XXXX. 
When I called the company they said the reason for the increase was because I was applying payment to only 1 of 2 accounts. 
This completely doesn't make sense to me. If there is no interest accruing than it shouldn't matter to which loan I am making the principle payments.
Consumer complaint received 2023-07-23
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: TD BANK US HOLDING COMPANY (FL)

XXXX reports 1 late payment. I wish to have it removed or taken away. Ive never missed a payment. 
I have been on SS XXXX since 2019 There are derogatory accounts as well since they cancelled my student loans.
Consumer complaint received 2017-05-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (GA)

TItleMax repossess my truck in the month of  XXXX . I tendered a negotiable instrument to TitleMax via certified mailing for full settlement of the devt owe to them. The tender was refused and TitleMax did not return my truck. This Govern by   XXXX   XXXX  . see below   XXXX   Georgia  XXXX   XXXX   XXXX  - COMMERCIAL CODE ARTICLE  XXXX  - NEGOTIABLE INSTRUMENTS PART  XXXX  - DISCHARGE AND PAYMENT  XXXX  - Tender of payment O.C.G.A.  XXXX   XXXX    XXXX    XXXX   XXXX . Tender of payment  (  a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.      (  b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.      (  c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.    Disclaimer  : These codes  may  not be the most rec
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My credit report has an incorrect address. The address on the report is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , NV. Other than when I was in the  XXXX , I have lived in   XXXX   my entire life. Associated with this L.V. address are bills from  XXXX   XXXX  and  XXXX   XXXX   XXXX  and  XXXX . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX
Consumer complaint received 2023-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (PA)

We had to take part in the Cares Act for non payment of mortgage around mid year XX/XX/2020 due to Covid-19 and again soon after the 6 months for same reason. I was told that at the end of the 6 months to call my mortgage lender and the balance owed would be added to the back of the loan. Apparently this never happened because before we knew it our home was on the Sheriff 's sales list and at pre-foreclosure! The bank wanted {$41000.00} upfront in one lump sum! We could not do such a thing so we were put on foreclosure. My husband had to declare bankruptcy! to keep the home. We're making payments every month but struggling to do so ... {$1800.00} roughly a month. {$1000.00} ( Current mortgage amt ) plus {$800.00} ( Past due mortgage ). I'm reading that this wasn't supposed to happen! Any help would be greatly appreciated. 


Thank You,
Consumer complaint received 2022-11-16
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. These accounts are identified as bankrupt. The bankruptcy was dismissed. You need to remove these bankruptcies from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law. 
XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXXXXXX Identification number : XXXX Date filed : XX/XX/2018
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (RI)

I filed complaint with CFPB  XXXX  it is listed as resolved but it is not resolved.   I would like to have the complaint reopened and I would like to dispute the company 's response On  X/XX/2017    the company responded that they would release the loan in  24 to 48  hours but they have not. I have been calling and emailing their compliance department and Release of lien department but have not received a response. They can not play a 60 day window. the 60 day window should have started on   XXXX   XXXX  . I need this resolved now because I am tied up in a refinance right now and will soon be losing more money in non refundable closing costs.
Consumer complaint received 2024-04-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber (GA)

XX/XX/year> I traveled to XXXX XXXX XXXX by XXXX and had to obtain hotel lodging arrangements.. I had minor XXXX. Due to my monthly finances, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX waived all my XXXX finances. I received a letter indicating the same. They advised me to tell that to Grant & Weber, however, Grant & Weber choose to STILL XXXX me and call and XXXX me more. It has been ridiculous! 

I told them to obtain the information from the hospital, although my word should have been sufficient. Further, to make matters worse, they have placed this on my credit report that I owe XXXX XXXX XXXX entities. This is a lie and false and they know it. I recently emailed the billing dept at XXXX XXXX ( a copy of the email is attached ) and they reconfirmed this billing matter is waived and I have a XXXX balance with them due to financial assistance. 

Grant & Weber are dishonest and love XXXX people. THEY NEED TO REMOVE THIS INFORMATION FROM MY CREDIT REPORT AS SOON AS POSSIBLE!
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (OH)

The unverified item remain on my credit report in violation of XXXX XXXX. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

Please refer to CFPB complaint #  XXXX  and #  XXXX . I have been working to get a Deed in  Lieu  or Foreclosure process  ( either one )  done with Shellpoint Mortgage for almost t three  years now. They approved a Deed in  Lieu  yet have done nothing to get this accomplished. All title work has been up-dated. For the eighth time they requested me to update my paperwork, which I did. I then received the attached letter stating that the process is beginning from square one AGAIN. Each time I complete the requested documentation the process starts again. The paperwork expires because of Shellpoint, not on our end. They sit on the process. In the meantime they requested I have all tenants vacate the property, which I did and they are charging me maintenance fees. Because the property is vacant there is no income coming in to offset the mortgage. I am at a loss. We are more than willing to sign over the property via Deed in  Lieu o r Foreclosure, yet they do nothing. They return no phone calls, no emails, no communication. We are at a loss as to why they are dragging their feet on this. I do not know where to turn for help.     I have documentation of emails sent on a regular basis and phone messages left on a timely basis yet no assistance or communication. The only information I receive is an occasional phone message stating that someone will contact me. No one ever does!!!     Can anyone help us get this process completed? We are trying to work with them but they are not working with us or anyone else to get this resolved. Please help me!!!!!
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

I can not take my personal and bussiness credit report for free and I think I 'm a victim of fraud, but I can not control it. Also, my problem is that I have been out of the  US  for about a year and making phone calls is difficult and very costly. I need your help.
Consumer complaint received 2023-05-23
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: I.C. System, Inc. (TX)

I disputed a collection account from I.C. System Inc for an XXXX XXXX account. This account was opened by someone else using my SSN. I have never lived at the address they have on file nor the city. I have called them several times and also XXXX to clear this up. XXXX said they do not have an account under my name. IC Systems wont give me any info since I can not provide account information and wont remove the collection account from my credit report. I have opened 3 disputes with XXXX over this collection account.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (PA)

I was sent a Credit Card I didnt want and never activated. I dont recall ever applying for it either. Nevertheless, I have received a bill from them for {$75.00} annual fee charge. When I called them they basically said they didnt believe me and that unless I could provide evidence. How do I do that? What evidence is there that I could send them? This is the information for them : Genesis FS Card Services XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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: Bread Financial Holdings, Inc. (IL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 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 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2019 I sent Portfolio Recovery Associates a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. Portfolio Recovery Associates did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to Portfolio Recovery Associates and they continue to report negative information to my report and did not respond to my letter with the proper information, which is a continued violation of FCRA. Their reporting is a violation and continues to prevent me from moving forward with my life and preventing me from providing a better life for my family. Thank you in advance for all of your help.
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

I have had an account with Coinbase since XXXX and have deposited around {$11000.00} between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I became aware that Coinbase had restricted my account making it unavailable for me to deposit, buy, sell, or withdraw funds from the account. On XX/XX/XXXX I contacted customer service and was told that they would need to verify my account which would require me to upload my ID, send a live photo of my face ( a selfie ), and answer some questions about how I intended to use the account before they could make my account available for use. At that time, I was assigned a case number. Later in the day on XX/XX/XXXX I uploaded my ID however I was not able to upload a selfie because I could not find instructions on how to do so on the Coinbase App. On XX/XX/XXXX I emailed answers to the questions about how I intended to use the account and called customer service for instructions on how to upload the selfie, at that time I was told that they had received my ID and the answers to the questions, and I didnt need to upload a selfie. They said that my account was now under review and I would receive an email when my account had been verified. On XX/XX/XXXX, having not heard anything I contacted customer service again to find out the status of my account and was told it was still under review. On that call I expressed my frustration with the situation, and I was told by the representative that my case had been escalated. I contacted customer service again on XX/XX/XXXX and was told they have everything they need to verify my account, but I would just have to wait for them to review it. Having reviewed CFPB complaints on Coinbase this seems to be a common issue for users. Coinbase needs to get their verification process corrected and they need to be held accountable for the ridiculous verification process they have in place that keeps account holders locked out of their accounts for weeks and even months AFTER they provide all documentation requested to verify the account. I expect Coinbase to provide a prompt and fair resolution to my issue. For reference the case number given to me by Coinbase is XXXX.
Consumer complaint received 2023-05-30
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.