davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (CO)

I am writing to file a formal complaint against American Express National Bank ( hereinafter referred to as " American Express '' or " the Bank '' ) regarding their continuous and deliberate breach of our arbitration agreement over the past ten months. Despite our clear contractual agreement to resolve disputes through arbitration, American Express has failed to participate in or pay for the arbitration process, thereby violating the terms we mutually accepted. 

The arbitration agreement in question is detailed in our contract and it explicitly mandates that any disputes or claims between the parties should be resolved through arbitration as the exclusive method of dispute resolution. The agreement also specifies that American Express is responsible for covering the costs associated with the arbitration process. I paid my share of the filing fee and complied with my duties under the arbitration agreement. 

However, since XXXX of 2023 when I initiated the arbitration process to address a dispute, American Express has consistently neglected its obligations. To outline the chronology of events : In XXXX of 2023, I formally initiated the arbitration process via JAMS in accordance with our agreement. 
Despite multiple reminders and requests for American Express to participate, they have neither engaged in the arbitration proceedings nor fulfilled their financial obligations for the process. 
This situation has persisted for the past ten months, during which time American Express has failed to cooperate or make any effort to resolve the dispute through arbitration. 
This breach of our arbitration agreement by American Express is not only in direct violation of our contractual arrangement but also undermines the principle of fair and efficient dispute resolution. I have made every attempt to engage with American Express and seek a resolution through the agreed-upon arbitration process, but their persistent non-compliance has left me with no other recourse but to seek your intervention. 

I kindly request that the regulatory body investigate this matter thoroughly and take appropriate action to compel American Express to comply with our arbitration agreement. Additionally, I seek your assistance in ensuring that American Express reimburses me for any expenses incurred as a result of their non-compliance with the arbitration process. 

I understand the importance of regulatory bodies in ensuring that financial institutions adhere to their contractual obligations and the laws that govern their conduct. I trust that your intervention will help resolve this matter promptly and fairly. 

Please let me know the steps I should take to assist in your investigation and provide any additional information required to facilitate a resolution. 

Thank you for your attention to this matter, and I look forward to your prompt response.
Consumer complaint received 2021-05-13
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. (PA)

In 2016 my ex-boyfriend totaled his 2016 XXXX XXXX. I was a co-signer for this lease. The insurance company paid the lease off in full, and sent payment to XXXX XXXX. The lease is still showing up on my credit report nearly 5yrs later. I have called multiple times over the past 9 months to have this removed, and have been unsuccessful. All of the agents/managers tell me to wait, which I have, and it will be removed eventually. That is completely unacceptable, as it is ruining my credit score and my ability to apply for loans. 

All that I am asking for is written confirmation that this is a reporting error, and that it should not be on my credit report. 5 agents have confirmed this with me over the phone, but refuse to put it in writing. I have all of their names and badge numbers, and would be glad to share.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX XXXX XXXX account is reporting inaccurate information. A dispute was initiated with TransUnion. The account information was still not corrected. The incorrect reporting shows missed payments for XX/XX/XXXXXXXX  and XX/XX/XXXX. Now, the account is also reporting a missed payment for XX/XX/XXXX. The monthly payments also change back and forth from $ XXXX. to $ XXXX.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (PA)

XXXX hasn't has cancelled several disputes involving the use my report. I never gave consent to Equifax and is violating my rights a s a consumer by reporting false information on my report.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit file has been mixed with my sister for almost 3 years, despite disputes. I have some of her student loans, credit cards, and auto loans on my account with XXXX and Credit Karma. In addition, her name and previous addresses come up using my social security number as well which prevents other 3rd party companies from verifying my address, identity, income, etc. 

Most recently, on XX/XX/XXXX I was unable to get a new car insurance policy due to the fact that my rate had gone up by {$670.00} because of a report from XXXX and XXXX that provided the insurance company with my sisters driving history instead of mine.
Consumer complaint received 2024-04-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC (CA)

Every week I get a call from a company that claims to be a debt collector. They call at all times of the day and do not stop calling until I pick up the phone. They identify as Capio Partners. They tell me that I owe over {$1200.00} in XXXX bills and they are offering me a settlement amount that I can pay over the phone today. I continue to ask them to stop calling me but they persist.
Consumer complaint received 2023-09-09
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. (FL)

Hey hope all is well I viewed my credit report and seen that there was an inaccurate collections accounts being reported on my profile Ive never open this account and its being reported inaccurately i know its an violation under FCRA to report inaccurate information on ones credit report please remove from credit reports immediately Thanks. 

Account : XXXX XXXX XXXX Account number : XXXX Balance : {$1500.00} ( Collection ) 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.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

On XX/XX/2021, my ex-husband purchased a money order from XXXX XXXX XXXX located on XXXX, AL from XXXX XXXX ( teller ) for alimony owed to me in the amount of {$550.00}. I deposited this money order on XX/XX/2021 at the XXXX, AL branch of PNC bank. PNC bank took this out of my account because they say the money order was cashed on XX/XX/2021 and it is MY FAULT FOR " FAILING TO SECURE THE LIVE ITEM TO PREVENT IT FROM BEING TRANSACTED AGAIN ''. WHAT THE XXXX? WHY IS IT MY JOB TO SECURE A MONEY ORDER 3 DAYS AFTER I DEPOSIT IT INTO MY ACCOUNT IN THE DRIVE THROUGH? You can not go in because of covid. This has to be examined futhur. This is ridiculous. My ex is in contempt for alimony for this. My account is {$120.00} in the red because of this.
Consumer complaint received 2023-09-09
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: EQUIFAX, INC. (MA)

A fraudulent application for credit was submitted in my name without my knowledge or approval to a lender on XX/XX/2023. I received a letter in the mail from the lender informing me of the fraudulent application on XX/XX/2023. I immediately called the lender to report the application as fraud and placed a security freeze on my credit file with all three major CRAs. I also submitted an identity theft report with the FTC on XX/XX/2023. 

A month after calling the lender, the hard inquiry had still not been removed from my Equifax credit report, so I filed a dispute with Equifax on XX/XX/2023 ( Confirmation # : XXXX ) to have the hard inquiry removed from my credit file. Less than 26 hours later, I received a notice from Equifax informing me that INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. On XX/XX/2023 I submitted a new dispute ( Confirmation # : XXXX ) and received the same response. 

Equifaxs own website states : When a lender requests to review your credit reports after you've applied for credit, it results in a hard inquiry. Im not disputing the fact that my credit file was accessed on XXXX by the lender. However, as stated above, the inquiry occurred without my knowledge or approval. I did not submit an application for credit with this lender, a thief who committed fraud submitted the application. 

Based on Equifaxs own language about hard inquiries, this information reported in my credit file is inaccurate. I did not submit the application for credit, and therefore a hard inquiry should not be reflected in my credit file.
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (IL)

XXXX  of this year, I received a new debit card in the mail from  TCF  Bank. I activated the new card promptly. I live in  XXXX , and most days I commute to   XXXX   XXXX   using  XXXX   XXXX   XXXX  's  XXXX   XXXX   XXXX  "   XXXX   XXXX   XXXX   or buses, which use a fare system operated by  XXXX . Through school and paid for with my tuition, I have a U-Pass with unlimited rides with  XXXX . To get on a bus or train, I wave my U-Pass over a card reader, and a screen lights up green informing me I have provided acceptable fare. Like many people, I do not remove my U-Pass and individually scan it over the card reader ; rather, I wave my money clip containing several cards and cash over the reader to save time. Since  XXXX    XXXX  , this has never been a problem, but that changed with my new  XXXX    XXXX    debit card. Unbeknownst to me, between  XXXX   XXXX  and  XXXX   XXXX ,  XXXX  charged my  TCF  debit card instead of the U-Pass for a total of {$120.00}. TCF Bank and  XXXX  never informed me that their debit card could charge at transit card readers, and I was unaware a checking account could even possibly be charged in such a way. TCF Bank refused on multiple occasions to refund me the {$120.00}.  XXXX  refused to even look into my case, flatly stating " no refunds '' despite me having a U-Pass with unlimited rides.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX that the information listed below is reporting accurately after several disputes I sent with the basis of my dispute being their violation of the Gramm-Leach-Billey Act which states that they are to send NOTICE to customers and consumers like myself and that financial institutions should get my PERMISSION before they just blatantly begin to furnish my non public personal information without my consent. The ACA a trade group in your industry gives me even more confidence that your willful non compliance in this matter will help me to collect funds for damages that you have bestowed upon my family and myself without NOTICE!

You may or may not be a member of ACA but I assure you they have been a key information source for those in your industry for decades.

Do you have your safeguards in place in accord with ( GLBA )?

Additionally, you state you are reporting accurately in your reply letter dated 9/17/23, in addition to your diregard for the Gramm Leach Billey Act in which you gave me no notice before violating my privacy rights violating Title15 USC 6802.

Additionally, I would now like to dispute brand new information that is reporting inaccurately as well. 

These XXXX alledged accounts are at present reporting as Past Due which is INACCURATE reporting on alledged collection account. 
I requested initially that you remove all 4 of accounts as they should not be on my reports per ( GLBA ). 

Additionally, At this time I am disputing regarding Brand New information. 


XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete it! 

XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account ..Delete it! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

Please remove these accounts for inaccurate reporting. 

I am uploading partial copies of my credit reports showing the inaccuracies.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

At the offices of XXXX XXXX XXXX XXXX XXXXXXXX Florida, I presented my photo ID to an employee who negligently and inaccurately typed my name into XXXX  system without providing me an opportunity to review the data. XXXX issued a credit card in the wrong name but, without activating it, my name was corrected upon my complaints to my correct name XXXX. I have never been known by XXXX and this one time stupid irresponsible error must be corrected and DELETED permanently from my Equifax credit report. I have attached a photo of the XXXX XXXX XXXX credit cards which obviously discloses that the error was discovered and corrected. Notice is given that unless this inaccurate NAME is not permanently deleted from my Equifax and any other credit report within 5 days, I will file a lawsuit in the US District Court for the middle district of Florida for FCRA willful violations naming Equifax, XXXX XXXX, XXXX XXXX XXXX  and others seeking statutory damages of {$1000.00} for each violation plus 9-80 fold punitive damages of between {$9000.00} and {$80000.00} per violation left corrected for every month reported. In addition, I will be filing Demands for Arbitration within the next 5 days for other disputes pursuant to valid arbitration agreements.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I was going through my credit report and noticed this collection on my account thats allegedly mine. Not only do they not have the correct address or email or job but they don't even have the correct name! Then I went further, so many of these dates are invalid or N/A which means they have no information at all linking me to this debt. The dates of last payment and dates of last activity are invalid as stated in the paperwork I have uploaded so being able to age this debt is absolutely impossible! The date closed is also invalid or non existent. Not to mention i request a contract or anything else bearing my signature linking me to this account.. there isn't any! I know my rights as a consumer and FCRA laws. This is defamation of my character and I will be suing for damages if these accounts are not immediately deleted from all credit reports immediately! Also I have included the payment history chart that shows absolutely zero information at all! This company has also filed bankruptcy and been purchased by another company for probably reasons like this! Thank you and please view all evidence uploaded plus I have more if needed, my attorney has all the paperwork and we will be moving forward with litigation if these are not removed immediately. Thank you very much!
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX XXXX XXXX XXXX has sent me multiple requests for a medical bill. I have requested, on numerous occasions for proof of debt, only to receive a letter with an amount on it and my name misspelled. I do not now, nor have I ever had a written or verbal contract or agreement with XXXX. I do not owe them a debt. I did not entire into a business contract with XXXX.
Consumer complaint received 2018-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery claims I owe them {$560.00}. I do not owe them this money as any money owed was paid years back. The costumer service of the company said they would fix this problem and that it will no longer show up on my credit file. It still does which Is a huge problem since I do not owe them said amount.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (NC)

Today, XX/XX/XXXX, I had contacted Procollect to pay off a debt of XXXX from an apartment back in XXXX. I was never notified of this debt via Procollect but decided to pay anyhow since their debt is preventing me from another lease. I had originally asked for a Pay to delete and was told that they are unable to perform that but would send me a payoff letter via email. I strongly advised that they pay to delete this debt but they continued to explain that this was not possible. After awhile of arguing I decided to pay anyhow and would contact a financial advisor later - the financial advisor told me that that Procollect could definitely do a pay to delete but that they refused. Why was I lied to? I have called back since and spoke to a very rude gentleman asking again if they would kindly delete the mark off of my credit so I could get a new lease since I had paid in full but he was extremely unpleasant and continued to tell me that they could not do that. Come to find out, they can definitely do this but just did not want to. I need this deleted in order to have a roof over my head and feel that I paid them for absolutely nothing. I have no idea what to do and wish they would have at least been honest. I need this shown deleted, not just paid in full. I am trying to do the right thing and repair my credit but this is one place I wish I would not have paid since I have nothing to show for it. Please help!
Consumer complaint received 2023-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

MOHELA is forcing me to recertify my income for the new SAVE plan before I am required to. I was on the Repaye prior to the Covid pause and now have been automatically placed on the SAVE plan. However, my payment increased by over {$600.00} when I was switched to the SAVE plan. When I called MOHELA to inquire as to how this could be I was told it was because I needed to recertify my income. I advised the rep that I was not required to recertify until 6 months after payments resume at the earliest according to the Education department. The rep then said that I actually didn't need to recertify until XXXX of 2024 according to her records but in order to change my payment amount I would need to recertify now. This is deceptive and a violation of what the regulation states. This practice will hurt millions of people, including myself, that will have an increase in their monthly payments after a recertification because of an increase in income during the past few years. Forcing us to recertify earlier than required by law will accelerate the date that we have to pay the higher payments and totally disregardsour financial planning efforts.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.