davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IL)

I had a positive credit balance of {$140.00} on my American Express XXXX XXXX card. I requested that the balance be sent to me via check in late XX/XX/XXXX. After about a week, I reached out to ask if the check had been sent. I was told that yes, it had been sent. And I noticed that my balance was now XXXX. On XX/XX/XXXX I received the check, and cashed it. 

Then, a day later, I noticed that XXXX {$140.00} had been deducted from my account. I called American Express and they said that they had mistakenly sent a second check out. I told them I needed them to void that check and credit {$140.00} back to my account. 

On multiple dates in XXXX, the most recent being XX/XX/XXXX and XX/XX/XXXX, I either spoke or chatted with several AmEx XXXX  who promised me the funds would be credited back. 

They have still not been credited back. 

My credit card statement will be closing soon and I do not want to have to have to pay a balance to AmEx that I don't actually owe. 

I keep being told the issue will be resolved in XXXX business days, but it has now been almost XXXX weeks, and I keep being told to just wait. 

This seems like an unacceptable thing for me to be burdened with, especially since this is a problem that AMEx created, and which they seem to have no interest in fixing. 

Can you please help? 

Thank you.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. Experian has not updated my personal information after providing them with my official government drivers license and social security card which is my official identity. Any other names, address, birthdays are fraudulent. I have filed a complaint with FTC, to get Experian to report accurate personal information. Experian keep saying without verifying the name variation are tie to accounts. This is not accurate. If name variation is tie to other account is fraudulent and this is why I am requesting that Experian only use the personal information on my official drivers license. Attached is a copy of my driver license and ssn card.
Consumer complaint received 2023-02-08
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. (CT)

I Call several times and the explosion spoke with the supervisor and he told me that the information will be removed and blocked and deleted forever off my reports. Im a victim of identity theft and this is not me. I have police reports Ftc as well.
Consumer complaint received 2023-02-08
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. (GA)

I HAD REAL BAD FRAUD AND IDENTITY THEFT YEARS AGO AND HAVE HAD SEVERAL ACCOUNTS THAT APPEARED ON MY REPORT THAT WERE ULTIMATELY REMOVED FROM SAID FRAUD IT IS AN EXETER ACCOUNT ON MY FILE THAT SHOULD HAVE BEEN REMOVED AND THE BURERAUS DID REMOVE AND EXPERIAN REMOVED AND PLACED BACK ON.. THE ACCOUNT IS DUE TO IDENTITY THEFT I SUBMITTED POLICE REPORT FROM AROUND TIME WHEN IDENTITY THEFT OCCURED AND SUBNMITTED WITH MY DISPUTE.THE ACCOUNT WHICH IS XXXX XXXX IS REFLECTING CURRENTLY ON MY XXXX AND EXPERIAN REPORTS.
Consumer complaint received 2023-02-08
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. (IN)

I am writing to dispute the following inquiries and accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any these unauthorized inquiries as well. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX Balance {$3600.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2022-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (SC)

The company refuses to provide a refund of the overpayment in the amount of {$290.00} made when the account was paid off on XX/XX/2022. We have called the company multiple times to follow up on the status of the refund and each time they tell us " the check was mailed on XX/XX/2022. '' At no point has the check been received. The last three times we have contacted the company we have requested and been assured that a new check would be mailed to us ; however, this is yet to happen despite their multiple reassurances. For three months now, the company refuses to provide a refund for the overpayment of a paid-off loan.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

American Express did not provided a fair investigation for my {$100.00} dispute on an order I did not received. I had provided photo of my front door via XXXX XXXX when the merchant 's proof shown a front door of someone else 's home. Clearly the investigator failed to validate the front door of my home against the picture that was provided by the merchant. I will be attaching a PDF of XXXX proof of delivery that shows someone else 's front door, photo of my home front door via XXXX XXXX, a receipt of my order from the merchant, and dispute screen. Prior to opening the dispute with Amex, I had made several attempts to explain to the merchant that I did not received my order and the XXXX 's proof shows it is someone else 's front door.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have had a collections on my credit report for years from XXXX XXXX XXXX for {$150.00} Ive never owed the amount, Ive disputed with TransUnion multiple times, reached out to XXXX services dozens of times. Ive shown proof from original creditor which was XXXXXXXX XXXX XXXXXXXX that I do not owe {$150.00}. This nightmare continues and has adversely affected my credit score. I received email from XXXX services on XXXX XXXX after another dispute that the company can find no record of said amount being owed and that XXXX services requested TransUnion to remove said amount from my report. To this date TransUnion still has not removed the collections account. I contacted TransUnion again on XX/XX/2022 and explained the problem and I got another XXXX employee who told me I needed to file another dispute. I told her Ive already filed multiple disputes.The incompetence of TransUnion is appalling and the fact that they are a credit monitoring company is frightening. I have no doubt millions of people have incorrect information on their credit report because of this company.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX and XXXX Payments are reported as late on XXXX, Experian, And XXXX, although a double payment was made in XXXX to XXXX XXXX  Loan number XXXX Account XXXX
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (WI)

I have asked to be placed on there. Do not call list multiple times they call from different numbers every single day at least twice a day and I mean every single day I have asked so many times to be placed on a do not call list because they have the wrong number. Please have them stop calling me.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (WA)

This complaint is reference to Barclays Bank credit card services. I have no specific dates because there have been so many times I have called to try and fix this. I have been dealing with this for over a XXXX now. The amount fluctuates every month. Right now its XXXX. 
It started when I first received my credit card. Before I even used the card fraudulent charges started occurring right away. They would take the charges off but then it would happen again and again. So I made the decision to close my account. So assuming if I closed it no more charges would occur but they did. The fraud charges kept happening even with account closed. Then I started getting billing statements for the fraud charges. I call and they keep saying that its fixed yet I keep getting statements and it is also showing up on my credit report. I have trying to fix for XXXX and each time they say its fixed but clearly its not! I did try to dispute through all XXXX credit bureaus and they said its accurate but clearly that is not right! I did receive a letter from Barclays XX/XX/2022 stating they completed investigation and agreed to change and that it will be removed but they have not! This is my last resort and dont know what else I can do. This is affecting my XXXX XXXX.
Consumer complaint received 2022-11-12
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: Voss & Klein, LLC (FL)

Voss & Klein , LLC ( a collection agency ) continues to report a debt that is not mine to the credit buro 's and is causing me serious damages. They are claiming that I owe them over {$1700.00}. I have disputed several times and communicated multiple requests for validation and disputed the report. They don't stop! I ask for proof of the account belonging to me and why they believe that and I have nothing from them.
Consumer complaint received 2022-11-12
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: JPMORGAN CHASE & CO. (AL)

XXXX XXXX XXXX- {$2500.00} CXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXXXXXX XXXX {$340.00} XXXX XXXX  - {$160.00}
Consumer complaint received 2022-11-12
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: CREDIT ACCEPTANCE CORPORATION (MI)

I've recently viewed my credit file and noticed XXXX has inaccuracies and/or incomplete information, and accounts that is UN-Verified on my credit report. according to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one each any or all the unproven, noncompliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely deleted.
Consumer complaint received 2023-02-08
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. (IL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX  ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX Account XXXX ACCOUNT : XXXX XXXX ACCOUNT : BANKRUPTCY XXXX XXXX
Consumer complaint received 2023-01-13
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. (TX)

I have two accounts on my credit that I am not responsible for. I have no knowledge of these accounts and they are fraudualent. 

XXXX XXXX XXXX XXXX # XXXX {$710.00} XXXX XXXX # XXXX {$330.00}
Consumer complaint received 2022-05-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXXXXXX  Account # 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
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CO)

On XX/XX/XXXX, XXXX I sent Caine and Weiner a letter to validate an account they have placed on my credit report that is NOT mine. It is now XX/XX/2022, and I still have not received a response. Ive included the certified letter I sent as well as the credit bureau report.
Consumer complaint received 2022-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been trying to get the XXXX charge off of my report as it was FRAUD and reported as such. I have contacted all three credit reporting companies with no such luck. I have sent XXXX the police report and they still wont remove this from my report. THIS SHOULD BE REMOVED!!!!!
Consumer complaint received 2022-11-12
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: Resurgent Capital Services L.P. (NH)

to whomsoever it may concern, this is in reference to your most resent response for the alleged debt on XX/XX/2022. 

according to 15 USC 1692a, congressional findings or declaration of purpose, you hereby informed that as a result of your fraudulent practices with the intention to cause harm, i have suffered mentally as well as financially. 

your company and its agents harassed me for a alleged debt that was not even validated. your company shared statements as well as a consumer contract as evidence of the debt. but as per the judgment in the case of pacific concrete F.C.U v. Kaunanoe a copy of a consumer contract is not sufficient evidence of a debt. 

Notice : please give me the full accounting of the debt how much you paid for the debt. 
produce a contact with me and you that shows i have business to be even speaking with you. 
cease all communication
Consumer complaint received 2022-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consolidated Recovery Group, LLC (CO)

XXXXTHIS COMPLAINT IS IN RESPONSE TO CFPB COMPLAINT # XXXX My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against Consolidated Recovery Group , LLC for violating my cease and desist demanding them to STOP all communication & collection activity. Consolidated Recovery Group , LLC also is admitting these violations by stating " We have attempted to reach XXXX XXXX both by mail and phone without success '' I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

Consolidated Recovery Group , LLC stated in their response to COMPLAINT # XXXX " The balance was sent to XXXX 's internal collection dept. and when they were unsuccessful, the contract was assigned to this firm for collection. '' I have not validated any alleged debt with Consolidated Recovery Group , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XXXX, XXXX  I have not received any documentary evidence, such as a trilateral contract, giving Consolidated Recovery Group , LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Consolidated Recovery Group , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Consolidated Recovery Group , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Consolidated Recovery Group , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Consolidated Recovery Group , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Consolidated Recovery Group , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OR)

I own a brick and mortar business that also sells on XXXX. For the past several months we have had multiple customers who are not able to pay us for the items they have purchased. The reason is that when they use XXXX and the funding is from a Citibank card our business is being blocked. When the customer calls Citibank the reason that is given is that our business is involved in the sale of cryptocurrency. We do not and have not ever been involved in cryptocurrency. I have checked that our merchant category code is correct, XXXX. We have been in business since XX/XX/XXXX and selling online since XX/XX/XXXX. I suspect that the problem is that Citibank is either filtering out our business because the name of the business has the word " coin '' in it or they are confusing our business with another business of the same or similar name that does in fact deal in cryptocurrency. I have spent hours and hours on the phone with XXXX, XXXX and Citibank. XXXX and XXXX customer service has been great and I believe they have done everything they can to solve this problem. Citibank however has awful customer service and will not help at all because I am not a Citibank customer.
Consumer complaint received 2022-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Good morning, My complaint is against Select Portfolio Servicing , Inc . 
Since XX/XX/XXXX I've had homeowners on my residence, my homeowners insurance expires XX/XX/XXXX of XXXX. Prior to XX/XX/XXXX I had forced insurance on my residence via SPS. Once I secured my insurance for the year SPS should have stop the forced insurance. They did not instead they placed hazard insurance on me/mortgage of {$2500.00} per year which comes out to {$200.00} per month. How many different insurances do I need for a townhome? The HOA has what's known as a master insurance on all units? so why am I paying for Insurance I don't need or require? All this was explained to SPS yet they still chose to ignore my complaint. My insurance provider sent SPS a copy of my insurance and they acknowledgement receiving it but still continue to charge me for hazard insurance. From the month of XXXX until current XXXX SPS owes me {$200.00} x 6 months = {$1.00}, XXXX I would like my money refunded and not have to continue to pay hazard ins. there is also the matter of when my mortgage was modified my attorney advised then then mortgage company to take the PMI off my mortgage. SPS fail to do so. So from the time they were advised to take off the PMI I would like that money back as well.