davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
Product: Credit card or prepaid 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 (GA)

American Express notified me with a form letter on XX/XX/XXXX that I had violated the terms of an offer and they were going to be charging my account {$150.00}. The form email stated several reasons possibly why. When I called to inquire, I was told by the first rep that since I had downgraded my Blue Cash Preferred card at the time of my card member anniversary in XXXX ; American Express was revoking the {$150.00} promotional offer they had emailed to me around XXXX XXXX XXXX and charging my account. I was unaware of this requirement. When I called to downgrade in XXXX and said that I did not want to pay the {$95.00} annual fee, the American Express rep did not say anything about the possibility of me actually being charged {$150.00}, instead of the {$95.00} annual fee. If I had known that, I would have paid the {$95.00}. I think it is unfair when a company buries important terms and conditions in small print or on page 4 or 5 of a document and then turn around and declare that you have violated some term that you as a normal ( non-professional finance ) consumer did not know or understand. I have been busy juggling covid, elderly parents, inflation, and my health for the past year, I think American Express needs to make their terms and conditions clear if they are going to enforce them in an automated manner as they have done in my case. I did ask to speak to a supervisor XXXX who said American Express would be reviewing my case over the next 7-10 business days, but she was unable to resolve the dispute herself. I have never encountered a situation like this before, and had no knowledge of this condition. At this point, there is no way I can even retrieve an email from my account from over a year ago to see where I missed the requirement. Please help me resolve this dispute, as I am a struggling consumer up against a very large company.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MO)

I submitted on XX/XX/2021 a letter, FTC report, and 15 USC1681c-2 block info. I have an identity theft with an account on my Consumer Report with XXXX and Equifax Only XXXX XXXX XXXX ( ALLEGED ORGINAL CREDITOR ) XXXX XXXX XXXX This agency is in violation of 15 USC 1681c-2. A consumer reporting agency should block an remove the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. This account is still reporting on my account and they have all of the information that need and its been 6 days since they received the letter. 
I demand this account be removed/deleted asap because of the violation and I know under 15 usc 1692k XXXX I get {$1000.00} per violation. SO i am demanding deletions/removal of this account or im seeking monetary damages.
Consumer complaint received 2021-11-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AXOS FINANCIAL, INC. (FL)

Dear AXOS BANK Pursuant to 15 USC 1681A ( K ) your company AXOAS BANK have taking adverse action against me On XX/XX/XXXXClearly where federal law states it is a violation of my consumer rights, its clearly states 15 USC 1681 B ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit. it doesnt mentions a denial of credit it only mentions being denied for insurance or employment 15 USC 1681 A ( K ) ( i ) ( ii ). Your company used my credit card ( AKA SSN ) 16 CFR 433.1 ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. In a consumer credit transaction 12 CFR 1002.2 ( h ) Consumer credit means credit extended to a natural person primarily for personal, family, or household purposes. I did not received & benefit in this transaction which is identity theft Pursuant to CFR 1026.12 ( B ) ( 1 ) ( i ). Your Company AXOAS BANK said in there letter that the reporting agency played a part in your decision. AXOAS BANK denied me credit and then False and Misleading me the Consumer by saying your company AXOAS BANK decision was based in a whole or in part on information that came from the consumer reporting agency which is XXXX. Pursuant to ECOA ( Equal Credit Opportunity Act ) Regulation that aims to give all legal individuals an equal opportunity to obtain loans and other types of credit from financial institutions/ lenders under Title 15 your company AXOAS BANK are prohibit by lenders in any aspect of granting credit to an individual. The acts purpose is to prevent lenders from using race, color, sex, religion or other non- creditworthiness factors when evaluating a loan application, establishing terms of a loan, or any other aspect of credit transaction. Organizations that have shown a pattern of discrimination can have lawsuits brought against them by the Department of Justice. CFR 1002.7 Rules concerning extensions of credit ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis AXOAS BANK your False and Misleading me the Consumer your company accept my credit application but claim Your company AXOAS BANK denied me the consumer credit Im giving you a opportunity to cure this matter 15 USC 1691 ( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ;
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 15 ) years. 
My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX, OH XXXX and I have resided here for 15 years All other addresses are not accurate, please remove them immediately XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My current telephone number is : XXXX Please remove all other numbers IMMEDIATELY, they are not accurate. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : 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 2021-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC (PA)

I received a letter from Midwest Fidelity Services stating that i owed XXXX to a XXXX XXXX. I sent a receipt to them showing that the bill was paid in full. They refuse to take this off ofmy credit report.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NJ)

I have been reviewing my credit report and noticed that a company is trying to collect a debt that I do not know about. I have been a victim of identity theft in the past and believe that this is a continuation of this event. I can not or will not allow this collector to ruin my credit report, because it has never sent any notices or any communications to me so therefore, I would not have known anything until seeing on my report. 

I have never contracted with this company in ANY capacity and wish for this to be immediately removed from my each of my bureau accounts.
Consumer complaint received 2021-11-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 30 days ; therefore, those items should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to the stress and mental anguish caused. Also, my information was impacted by the Equifax data breach and may have found its way into the hands of the wrong person.
Consumer complaint received 2021-11-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I opted for the Forbearance due to Covid-19 back on XX/XX/XXXX and was approved. I didnt realize that the past due amount would all be due all at once until I attempted to pay the regular mortgage payment in XX/XX/XXXX. They told me they would not take the monthly payment only the past 3 months. I couldnt pay not amount and was offered to to a modification. Ive completed the modifications process 3 times and they wait for about three months and say they didnt receive documents. Receipt of the documents was confirmed by the person assigned to my account. She claims that her email wasnt working. I then asked her for the process to file a complaint. No response. We dont know what else to do because its been a year and of course they dont take payments so now the past due amount is beyond our financial means. 

We just wanted a chance and they kept prolonging the process until it was too late then say it wasnt approved because they didnt receive the required documents. I have emails to support every time I sent documents they requested.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Klarna AB (NY)

Klarna Dispute Resolutions has been incredibly unfair and inaccurate with their services to myself, the consumer. As you will read below, this company is not in favor of the consumer and only sides with the merchant in fraudulent cases. 

I purchased a payment plan with Klarna for the amount of {$2000.00} ( including the interest charged ). The merchant on Klarnas behalf did NOT provide me with ALL of the goods I was promised. I was told to attempt to reach out the merchant, XXXX XXXX, XXXX. ( illegally selling an online DIY law course to consumers come to find out ) to rectify the situation. Unfortunately, I was threatened with legal action on her behalf for breaching her contract. Absolutely at no point did I sign, nor could XXXX provide proof of this contract I agreed to. I stated again, to XXXX  XXXX that she did NOT provide me with the goods I signed up for and paid for, and was again met with threatening emails from her. At this point, I did have to reach out to my bank to dispute this fraudulent charge from the payment plan as I did not receive what was promised. I then contacted Klarna, where I was met with 2 people I spoke with on 2 separate occasions both unsure and asking me to re explain the situation as if nothing was noted. I was told a decision would be made by XX/XX/year>, and then when I called back after not hearing anything after a week, I was told a decision would be made on XX/XX/XXXX. It is now XX/XX/XXXX, and Klarna sent me a generic email last night at XXXX XXXX  stating that they were unable to rule in my favor due to the merchant providing a valid proof of delivery to the correct email address. Not once did Klarna ask me to provide my proof, screenshots anything. They immediately took the merchants side with no explanation from me, the consumer. The problem is that I did not receive the entire goods from the merchant. Furthermore, I was unable to get ahold of anyone higher up via Klarna dispute resolutions. After taking my card off of Klarnas website, I was then charged 3 times in a row for said purchase. I am very disappointed and this has caused me so much stress and overdraft fees. I hope a resolution can be made and this issue can be addressed and properly attended to in an honest manner.
Consumer complaint received 2023-10-05
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. (NV)

When I reviewed my credit report. I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report ASAP.
Consumer complaint received 2019-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank has their Chase Sapphire Reserve cars that gives 3 % back on travel and dining. 

I went to a parking lot and paid {$9.00}. It showed up as bills and utilities ( doesnt give 3 % ) and then a few days later I went to a taqueria for lunch and paid {$12.00}. It showed up as automotive ( which doesnt give 3 % ) Chase Bank is purposeful in trying to get out of paying the promised cash back.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Back in XXXX, I had a XXXX XXXX XXXX XXXX ( Now XXXX, XXXX   Card ). They kept charging me fees and overcharging. I paid {$150.00} on XX/XX/XXXX, as final payment on a card balance of {$170.00}. I sent a letter to XXXX XXXXXXXX XXXX on XX/XX/XXXX, to get them to address the problem and close the account. They never investigated the problem or issue. They sent it to collections to a company called XXXX XXXX represented by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. When I sent them a demand and proved they should not have tried to collect the account, the entered a settlement not to sue them or XXXX XXXX for violation of state and federal law. As part of the agreement, the account was to be removed from my credit and a zero balance letter sent out. This is not a write off account this account was closed so I would not sue them. I have tried to dispute it several times, and all agency refuses to remove it despite the fact I have a signed agreement the account was to be deleted. I am asking the CFBP fine all three major CB for willful violations of the FACT and other consumer protection law.
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAVALRY INVESTMENTS, LLC (FL)

CAVALRY PORT having on collection since XXXX and been reported me collection since that time this account it is been more seven year reportly wrong in my credit report i paid prepaid legal services which this month send a letter to them dispute the collection information for opened and reported date is completed wrong this company bought the collection for XXXX since XXXX and is been open and reported to all my credit buberau wrong if you look the date the put it as opend as XXXX and reported as XXXX this company has enough time to take my to court or sue me and is ilegal to been more seven year reported by same collection company i trying to fix my credit becouse i need to expend by business XXXX Past Due : $ $ $ High Balance : {$2900.00} {$2900.00} {$2900.00} Terms : Limit : $ $ $ Payment : $ XXXX $ XXXX $ XXXX Opened : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Reported : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Responsibility : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (TN)

On XX/XX/21 at XXXX Company MCM , Midland Credit Management XXXX called me from XXXX and asked for my husband. I told them that I was at work and I'm not him but the person on the phone launched into a spiel about being a debit collector, call being recorded and proceed to tell me all the information of the debt. When I stated that it's a violation of law to do this in my state, as here in my state the law is " Communication with third parties Except as otherwise authorized in this rule, without the prior consent of the consumer provided directly to the debt collector or collection service, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the collection service. '' and I am none of those thing. So they have violated law by disclosing the amount of the debit and company it is for. All they can ask me is if I know how to reach him. 
At this point they hung up on me. 
I called back, and said I wanted them to know it was an issue. He said he'd mark my number as a wrong number. I said it wasn't a 'wrong number ' but the tactic they are using isn't legal. He hung up on me again. Called again and asked for a supervisor, have been on hold for 15 min at this point. I have to go back to work so I can not try to talk to the company any longer. 
This is not my first encounter with MCM using questionable methods and I am really tired of dealing with them in anyway.
Consumer complaint received 2021-11-15
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 — Investigation took more than 30 days
Company: National Consumer Telecom & Utilities Exchange, Inc. (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-10-13
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. (OH)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$300.00}
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NJ)

This is not a debt the company was paid I have proof the company has chosen not to respond instead the company has placed harassing phone calls to my cell phone number the phone number used to call my cell phone shoed no caller Id no company name and messages were not left et this unknown number continually called my cell phone number when I did answer the unknown number the female did not give her name of the company name she started the call saying this call may be monitored and or recorded then asked for me by name never providing her ID or the company ID additionally XX/XX/2024 I received an email from this company and the email was not given to this collection agency by me and has not been confirmed that it is in fact my email before it was sent by this collection agencyis deception and in FDCPA violation
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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  Balance : {$8400.00} ; XXXX XXXX Balance : {$11000.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX