davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
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: AMERICAN EXPRESS COMPANY (IN)

I was a loyal customer of American Express. I use the card for business, and I have an employee who is an " additional card member '' on my account. American Express offered me an " upgrade '' for {$450.00}. Foolishly I accepted. The new card was on the same account with the same account number as before. As far as I could tell, the only difference was the logo on my card. XXXX had already changed logos this year due to their merger with another hotel chain. That logo change did not affect my account, and I could still use my old cards. However, this time, for the sole reason that I paid {$450.00} for this " Brilliant '' program, American Expressed deactivated my otherwise valid cards. There was little warning other than a vague, confusing email giving me very little time to respond. I did respond. I explained my employee was travelling and was dependent on the card. Rather than leave my cards in service - even for the grace period mentioned in the email -- American Express immediately invalidated my additional card member card. I was not even informed, much less warned. The only reason I knew the card was iinvalidated is because I called in later to has how many days were left in the grace period. I was astonished to learn the card had been administratively invalidated. Of course I was outraged. American Express representatives acknowledged it was a mistake but would do nothing to correct it. Finally, I talked to " XXXX '' in XXXX XXXX ( employee ID XXXX ) who confirmed American Express would not correct this error. The result is that my employee has been left in an untenable situation, and my business reputation has been damaged.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, 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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. THOSE INQUIRIES WERE NOT AUTHURIZED BY ME, PLEASE CONDUCT A REINVESTIGATION AND HAVE THOSE INQUIRIES REMOVED.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX  : {$30000.00} XXXX XXXXXXXX XXXX  : - XXXX XXXX XXXX  : {$300.00} XXXX  XXXX  XXXX XXXX XXXX : {$30000.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX  : {$0.00}
Consumer complaint received 2019-09-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (MI)

I paid off my lease early and made an overpayment. They will not refund the extra money and said they will put it as a down payment on my next lease. I paid of off 7 months early and asked them to refund the money, they wont. When I call customer service I get Foreign people that you cant understand and refuse to refund the money back. This company is horrible and should not be in business,
Consumer complaint received 2021-04-13
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. (MI)

I have an open Credit Card Account with XXXX XXXX and XXXX XXXX for over six months paid in full every month which is not being reported.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00}.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Windham Professionals, Inc. (CA)

I had learned in XXXX that a debt to XXXX  XXXX University, which I currently owe was being sent to collections, I called Windham Professionals the collections agency contracted by XXXX to attempt to negotiate the debt down to a level that I could afford, this was denied, the agent at the time told me that I had until XX/XX/2019 to pay before the debt was sent to the credit reporting bureaus. I informed the agent that I would pay the debt on their website before it was sent to collections, I also told him that XXXX could never call me again. 

On XX/XX/2019 at approximately XXXX XXXX PST I received a call from XXXX XXXX at XXXX, Mr. XXXX initially did not give me his full name or company name when asked. I informed Mr. XXXX that I was on the do not call list, to which he said 'it wasn't in the notes. ' I informed Mr. XXXX that I should be placed on the do not call list, that I didn't appreciate the way he was speaking to me, and that I wanted to talk to his supervisor, to which he refused, claiming supervisors were too busy, but that I could hold. Before I was placed on hold I asked for Mr. XXXX to spell his name and give me his license number, he would only give me his name, telling me that I didn't want to " go there. '' I called back to speak to the supervisor, the phone was answered and left off the hook.
Consumer complaint received 2019-09-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OR)

Coinbase locked me out of my account and after over 100 attempts to contact them via telephone and multiple online support efforts, my cryptocurrency wallet is inaccessible and I have exhausted all efforts to resolve this issue. I'm willing to provide a passport, bank account information, a driver 's license, or travel to their XXXX  headquarters to resolve this matter! Many of thousands of my dollars were placed in the hands of Coinbase, supposedly the most secure and safe wallet in the industry. I feel violated and I'm devastated! This is THEFT!
Consumer complaint received 2018-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I do not have a signed contract nor any contract with COMMONWEALTH FINANCIAL. I have never done business with this company. I am not liable for collection from this debt from COMMONWEALTH FINANCIAL. I am not responsible for this debt with COMMONWEALTH FINANCIAL. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
Consumer complaint received 2023-03-11
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

I show a debt from Credit Collection Services out of XXXX, MA that I disputed nearly a year ago. Collector does not show verification that I owe the debt. I have disputed it and came off one off my credit files but not all three.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I make monthly payments to the same person to may my rent using the third party company XXXX through my bank account. One time in particular the payment that I sent to my Landlord went to another person and I did not recognize the mistake until nearly a few weeks later. 
I do not know the person that received the money I sent to my landlord. I selected the landlords name from the dropdown menu as I do overtime I send money. The name For my landlord is the only name that drops down because it is the only name that starts with that letter. 
A few weeks later when I was making another rental payment, I noticed an unknown name in all CAPITAL letters for the remaining amount I sent to my landlord. So I contacted XXXX, but because the payment was made from my account, I was instructed to contact my bank and handle the issue through them. I called my bank and explained to them the issue I had encountered and they began to look into it. Starting by giving me a conditional credit for the money missing. 
I then received a letter from my bank saying that because the person received the money I was to contact them. My claim was that I have been making the payments to the same person for months for the same total amount and asked why this did not look odd to them? It was a payment to complete the amount that I had consecutively sent monthly to my landlord. Citibank withdrew the conditional credit, making my account overdrawn and now states that I have to go after this person. I have no idea who the person is or why the name is on this payment. I have no idea who this person is, and when I type in the letters of their name it is foreign to my account, the name is not saved nor is it in the drop down menu for names to select. 
This seems to be a hacker and perhaps the money was intercepted, this is not my fault, and because I made this payment through the company which Citibank has provided, I believe it is their responsibility falls on Citibank and XXXX.
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MD)

I originated a loan with Quicken Loans in the spring of 2014. At that time I elected to pay my own taxes and insurance and for go a ESCROW account. Last year, I paid my property taxes one business day before it was due to the City of XXXX. I was assessed a late few. I called the City and gave them the transaction number and the operator told me it would be removed. I never received any further correspondence from XXXX City. I called in and they confirmed that the late fee removal is being handled under confirmation number XXXX. 

I received a notification from Quicken Loans regarding a shortage in my escrow account, which doesn't existing as I have never held. I explained to the operator the situation and that I would be paying my taxes on time as I did since 2014. I then paid my property taxes online. I later learned that Quicken Loans just went ahead and paid my property taxes for me with my approval, which resulted in a double payment. Additionally, according to the " Resolution Advocate '' at Quicken, they use a 3rd party name XXXX to track this payment. I did not authorize this and was never made aware of it until today. 

I was notified that my mortgage would go up {$710.00} ( see statement ) because of this issue. I simply cant afford my mortgage nearly doubling to no fault of my own. Additionally, {$710.00} per month is significantly higher than required to pay my property taxes ( see  attached ) .I have discontinued the autodrafting on my account until this matter is resolved.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (ID)

I filed a complaint against select portfolio servicing case # XXXX. My loan # is XXXX. What I am looking for is not a trustees deed. It is clear that it is a fraudulent. What I am looking for is the change in trustee documents. That should have been sent from XXXX XXXXXXXX XXXX to XXXX XXXX to make him trustee and sent to me letting me know of the change in trustee. XXXX XXXX XXXX says they never did the transfer of trustee because they were never trusttee. They open a file but it time d out because they never received the documents in the time limit set out by IRS. This says there was never a mortgage created. I know that was no Notary nor would I sign my name as XXXX XXXX. That is not what is On my divers license. So that means the documents are fraudulent. How these banks got these documents I have no idea. if they had a problem it was with XXXX  not me. Please provide me with a certified copy so I can verify it with XXXX. As XXXX   XXXX XXXX says they never issued the conveyance any of a transfer of trustee.This why I have no liens on my property. XXXX XXXX has committed fraud along with sps, XXXX and many others. Your Trustee Deed is a fraudulent. These people did a fraudulent foreclosure they wrote a fake writ to have remove from my property an all my property stolen
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2019 I disputed 2 accounts that were on my credit report. 

I asked for method of verification on how they they verified the accounts. All I got back was a letter saying that the accounts had been verified and they were staying on my credit report.
Consumer complaint received 2019-09-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I experienced an issue with my car smelling of mold and mildew dating back to XX/XX/2019. It was determined that there was a water leak by the XXXX peddle, which cause water to come in the car. It cause mold and mildew to grow within the vehicle. My car has continued to have a horrible odor, which has caused me to have headaches and other medical issues. Nissan has still yet to correct the problem with the vehicle or allow me out of lease with the down payment back. They continue to lack communicate and fail to answer any communication. They still continue to drag the process out with no end in sight. I'm looking for assistance with my options due to a manufacture defect that the car had from when I leased the vehicle. There are three other cars at the baron Nissan Dealer with the same leak issue as my car. They are refusing to speed up the process or provide me with a permeant solution to the issue. They have attempted to fix the issue over four times. The vehicle is now having current electrical issue with the starter and doors. The vehicle wont unlock or start with the keyless entry. its not detecting the key fob.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My rights of privacy have been damaged and breached by this bureau which may be a direct violation of federal law. This bureau is additionally in infringement of federal law by detailing inaccurate accounts on their site without my authorization. This bureau is detailing incorrect data on their site and concurring to the federal law, it is the bureau 's GRAVE Duty to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.
Consumer complaint received 2021-07-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (NV)

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.

Account name/Account # * Merchants & Medical credit ( Account # XXXX ) * XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * XXXX  XXXX Bankruptcy ( Ref # XXXX ) XXXX XXXX XXXX XXXX XXXX  * XXXX XXXX XXXX XXXX XXXX Account # XXXX ) * XXXX ( XXXX ) ( Account # XXXX ) * XXXX XXXX XXXX, XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX  ( Account # XXXX ) * Department of Education/ XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Account # 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.
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (NC)

THERE WAS FRAUD ON MY CREDIT & I ALSO NOTICED A HARD INQUIRY THAT I DID NOT CONSENT OF FROM " XXXX XXXX XXXX  ''.
Consumer complaint received 2020-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I have tried to talk with representative of company can not get beyond sign-in request. Using correct info to sign, system recognizes have account but doesnt allow me to change password to create new access to account and system does recognize old information. This prohibits me from accessing my account. Can not get anyone on phone because of COVID-19 to address complaint. Equifax dropped credit score when only three things changed on report. One account had closing balance {$5.00} more than previous statement. Another account I owed {$10.00} more than previous statement. Another account reported debt reduced {$37.00}. My total debt decreased {$17.00} and my credit score dropped 12 points. It seems every 3-4 months Equifax drops my score 12-19 points with just an increase in debt of less than {$25.00}. Then It takes 6 months to recover from this drop of 12-19 points even when other accounts are decreasing by hundreds of dollars thereby keeping credit score in the poor or fair category the entire year restricting ability to ever get a credit score of good. Want to file complaint against Equifax for restricting ones credit report scores whereby it is never possible to get a score higher than 650 -660.  Absolutely unfair!
Consumer complaint received 2021-07-16
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. (MI)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.