davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
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)

on XX/XX/2021 inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX , XXXX XXXX inquired on XX/XX/XXXX XXXX, US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX , XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/2021 ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

American Express XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX SSN XXXX To American Express XXXX AMEX XXXX -- -- -- We started this process on XX/XX/XXXX with your attorney that is still listed as the point of contact for this lien. On XX/XX/XXXX we were told by your attorney to contact you directly at XXXX. We did and were told by your representative to fax in the authorization and also to mail it in to XXXX XXXX XXXX, XXXX XXXX TX XXXX. -- -- -- -- - On XX/XX/XXXX we followed up to make sure you received the fax. We were told you do not accept faxes and have no idea where that fax number goes. We were also told the mailing address we sent the authorization to was only for payment processing and in fact they had nothing to do with authorizations. We were then given a completely different mailing address -- - All of this was after XXXX minutes of getting the run around from each representative - being hung up on, put on hold, transferred to multiple different people ( most with issues of comprehension and information retention ) -- -- -- -- AMEX IS PURPOSELY BLOCKING EVERY ATTEMPT TO GET AN AUTHORIZATION TO THEM FOR THIS LIEN RELEASE. XXXX YOU ARE ALSO BLOCKING THE IRS FROM GETTING A SUBSTANTIAL AMOUNT OF MONEY OWED TO THEM THROUGH THE SALE OF THIS PROPERTY ****** This is unacceptable and must stop immediately. Attached are copies of our authorization and the lien on the property. 

-- -- -- -- -- - I expect this authorization to be uploaded to the clients account immediately and without further delay. I also expect a response to the request for settlement without further delay. -- -- -- -- - -- -WE WILL BE NOTIFYING THE IRS THAT AMEX IS BLOCKING ALL ATTEMPTS TO GET MONIES OWED TO THEM.
Consumer complaint received 2022-05-01
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: Southwest Credit Systems, L.P. (PA)

In accordance with the Fair Credit Reporting act Southwest Credit Systems 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 states a consumer reporting agency can not furnish a account without my written instructions. I filed a dispute with experian the amount is {$380.00} and was reported on XX/XX/2022.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Moore Law Group (NM)

XXXX has filed suit a few years ago but at the time I have been unemployed and have tired to work with this company to repay them, they did not respond to me. And I have asked for documents pertaining to this and have not received anything. It was filed in XXXX XXXX NM and when I did appear for court the company dismissed the case, so the judge stated I was free from this. I am not sure if they are trying to just obtain funds without me contesting it. This is the second time they are trying with another company. From the looks of it that is what I see, trying to get money without me fighting or questioning it. So this is my concern I have tried to work with this company and if they do not want to give me what I have requested I feel that I should not have to pay. It is like they wait and then try to renew the statute of limitation. Like I stated I have tried to work with them but they are not willing to submit documents to me. So I am not sure what more I can do.
Consumer complaint received 2021-09-16
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. (MS)

On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 3 months and I still haven't received any results in the mail and these unverified account still show on my credit report.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax is furnishing inaccurate accounts in an attempt to coerce me to pay on them. The accounts have not been validated by the consumer and no attempts were made by Equifax to verify the information as they are obligated to by the FDCPA. Multiple attempts were made to resolve this issue, the most recent being XX/XX/2021.
Consumer complaint received 2021-12-01
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MI)

i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX  5 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a amount of {$510.00} credit limit ... this is a violation as a " charged Off '' account should not be reporting that ... .look at the 2 year history it is not uniform across the board which it should be...
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: VANGUARD FUNDING LLC (WV)

I get repeated calls from the number ( XXXX ) XXXX. It is always an automated robocall that directs me to hold the line, but ultimately no one is available to take your call and it disconnects. Ive called the number back and it is the same message. Through my own investigation, I have found this company is Vanguard. I have no business dealings with any such company. 

This company calls up to 5 times per day. They are pointless, robocalls that end the same no one is available. Since no one is available Id like them to stop harassing me.
Consumer complaint received 2021-12-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have ( 2 ) collection accounts on my Experian credit report from XXXX XXXX XXXX XXXX located in XXXX, FL that are fraudulent. This company has several complaints online of trying to scam people out of money and throwing fraudulent collection accounts onto individual 's credit reports. This company is a scam and they are trying to collect a debt that is not valid. They stated the original debt is from XXXX XXXX, year XXXX. Whatever this debt is, is 13 years old at this point and illegal to attempt to collect. They placed the ( 2 ) collection accounts on my credit report, stating the date of origination of XX/XX/XXXX- the original creditor verified this is not true. This does not add up. XXXX XXXX XXXX only had my maiden name, not my married name. They also were allowed to apply a hard inquiry on my credit report for new loans or new bank accounts, which Experian will not allow me to remove. Why would Experian allow them to view this information? That makes me even more of a target for identity theft. I verified with the original creditor 's new owner, XXXX XXXX, that no accounts have been sent to collections and they have no record of working with this company. I have already disputed these accounts with Experian and my dispute was denied. Every aspect of this situation smells of fraud, and I have been a victim of identity theft in the past. I am severely that my information is unsecure in the hands of Experian, and they will do nothing to help me delete these invalid items from my report. This item is past the statute of limitations for debt in Illinois to report on your credit report.
Consumer complaint received 2019-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WI)

Hello, Approx. 11 years ago, I purchased a home as a first time home buyer. Shortly thereafter, the value of the property dropped well below what was owed on the mortgage. The mortgage is currently with Mr. Cooper/XXXX  XXXX. I continued to pay the mortgage as per my agreed upon contract. However, approx. 5-6 years ago, there was a hardship and reduced income. At that time, the mortgage was current and remains current to this day but I took advantage of the government HAMP modification program to attempt to make this more affordable with my reduced income. I also worked in other ways to reduce my expenses. At the time, I was advised that if I continued to pay on the mortgage per the modified terms that every year I would receive {$1000.00} principal forgiveness. This forgiveness was never applied to my mortgage balance so I called Mr. Cooper/XXXX  earlier this year to address this. When contacting Mr. Cooper, I was originally told that yes, I should have been receiving this forgiveness every year on the anniversary of the approval if the account remained in good standing, which it has. I was told that the research department would look into why I didn't receive the forgiveness. Eventually, I received a response that stated I did not qualify for forgiveness of principal as my monthly housing expenses did not decline enough with the modification. I had never been presented with this stipulation and it was on no paperwork that I signed. I have requested Mr. Cooper send me documentation to verify this stipulation but they have stopped responding. I feel as though I was a victim of a bait and switch by a large mortgage company that feels they can get away with whatever they want. I feel cheated. I work hard and pay all my bills on time and was offered help only to have the rug pulled out from under me. I don't understand why I was told for years that I would receive principal forgiveness but when it comes due, they won't apply it and won't provide me with any paperwork regarding this. It seems as though they are making it up as they go. I have done everything in my power to pay this debt on time and when I get close to being above water, I am done a disservice by the mortgage company and this greatly impacts my living situation.
Consumer complaint received 2022-01-16
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: Bread Financial Holdings, Inc. (MI)

This is now my second complaint against Comenity capital bank. 
I have been disputing an account with them for years now. 
Comenity capital bank refuses to provide any validation, statements, and/or contract that I have requested several times from them on an account they are negatively reporting on my credit report I have now found an old letter dated XXXX/XXXX/2028 from Comenity capital bank and in the letter it states Comenity capital bank does NOT have detailed transaction information in retail stores or their merchandise. ( See attached letter provided ) If they Comenity capital bank continues to REFUSE my request of validation of this account, and continues to impact my credit, I will take immediate legal action to the fullest extent of the law against them.
Consumer complaint received 2022-01-16
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditor XXXX OpenedXX/XX/2021 ( XXXX mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX Latest fraudulent account posted on my credit file.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (UT)

I purchased my XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX. They got me to finance the vehicle through VW Credit. VW credit set up auto pay with me and told me that it would take 1 billing cycle to be finalized. After the first two billing cycles, the autopay did not finalized and it caused me to miss a payment.

I have been trying to work with VW Credit ever since and they have lied saying that they send me a letter with instructions to dispute in XXXX. I never received such letter. 
They will not give me access to my online portal saying that my account is too old. This missed payment was their fault. It is something I am trying to remove from my credit report. I've disputed with the company ( I asked them to actually send me a letter this time ) and I've discussed with the credit bureaus. 
I never missed any other payment because I do not miss payments. They missed the first autopayment and lied about when the auto pay would be finalized.
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

I have 2 items listed in my credit reports from " Credit Bureau Systems '' trying to collect medical debt. I sent them a letter XX/XX/2021, asking them for proof this debt belongs to me and they sent me medical records as their proof on XX/XX/2021. They did not provide me a signed contract of any kind but most importantly they did not provide a signed HIPPA release form for them to even be in possession of detailed medical records. No one can be in possession of medical records without explicit permission from the patient by way of a signed HIPPA release form including 3rd party collection agencies. They have violated HIPPA laws. So immediately after I received their letter I disputed with all the credit bureaus sending them a copy of what Credit Bureau Systems sent to me only to have it come back that it " meets FCRA Requirements ''. It most certainly does not. I also wrote to Credit Bureau Systems informing them of their HIPPA violation and request they stop reporting these collections on my credit reports but they have not responded and are still ILLEGALLY reporting on my credit reports. Violating HIPPA laws is a serious legal violation. One in which I can sue both the collection agency and the credit bureaus for violating. I don't want to have to take it that far but will. I'd like to get it resolved and be done with it. I came to your website today and looked up how to make a complaint and I looked up Credit Bureau Systems and I found out Credit Bureau Systems has a past history of violating HIPPA laws. They are known for doing this and action against them needs to be taken. I definitely want this published by CFPB so that others who are having their HIPPA rights violated by this crooked company will be able to see and hopefully use this and other complaints against Credit Bureau Systems.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

Amex platinum delta credit card has a refer a friend program where if you refer someone and they get approved, you are entitled to receive XXXX bonus miles. Back in the first week of XX/XX/XXXX (  Amex has the exact date ) i referred my wife by sending her the link provided from americanexpress.com in the email. She clicked on the link and applied for the card, she was approved right away. Couple of days went by and i did not see the referral miles show up in my account. I called Amex and they said it takes about 6 to 8 weeks. I called multiple times after a few weeks and then was told the same story. After a while, i decided to open up a complaint with Amex about this issue and escalate it. They opened the complaint ( Amex has the exact date ). Ever since then i have been calling Amex and they are saying that they are still reviewing, It has been since XX/XX/XXXX that i have been calling Amex and they have not issued what i am entitled for. To everyone who is reading this, i have been a member of Amex since XX/XX/XXXX and i urge you to stop your business with Amex as at this point they are in the very shady business. I have immediately stopped using all my AMEX cards and my wife has also stopped using her card.
Consumer complaint received 2021-09-05
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. (PA)

I have never been associated with the address listed on this " XXXX XXXX XXXX XXXX '' account and have never had an XXXX XXXX XXXX account in the last 10.5 years.
Consumer complaint received 2022-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

I located a fraudulent account in my credit report for {$200.00} from Convergent Outsourcing. In the report it claims the account was opened XX/XX/19. I contacted them and Convergent explained it was a account XXXX account . I contacted the company and have sent an affidavit of fraud, copy of my XXXX XXXX bank and my id that proves the my address does not match the fraudulent account. They have refused to assist and have lost my papers 3 times! I need this account to be removed. If I had opened the account I would have paid it. I have XXXX credit score and wont mess it up for a stupid {$200.00} bill.