davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1987 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/1987 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (TX)

XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, NC XXXX ( XXXX XXXX XXXX XXXX ) {$660.00} XXXX, 2017,XX/XX/17. This company has put this on my credit report ( XXXX, XXXX, and XXXX ) in collections and they are n't licensed to collect in TX nor do I reside in MS or NC.
Consumer complaint received 2018-11-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FBC MORTGAGE, LLC (FL)

I attempted to find a company to help build me a new home this year. I went to XXXX XXXX XXXX in XXXX, FL. After filling out the application and spending 2 wseeks going over options and home builds. I was told I needed to apply with FBC Mortgage in XXXX, FL in order for XXXX XXXX XXXX to continue to set up plans to fully qualify me for my home build. I mentioned that I would use my own bank or my previous mortgage broker who helped me a few years ago, and they said No! I was told that I had to go through FBC Mortgage first in order to see if my credit and income qualified. 

I was told that I would receive a better rate and lower paynent by going through this mortgage company. I called them even though I felt the whole situation was being monopolized and I was being steered towards an affiliate of theirs only. I spoke with a young guy who had very little knowledge about my situation but kept making promises. He said that if I used them they offer a discount on the appraisal because i was referred by XXXX XXXX XXXX. 

When I tried to insist I would use my own mortgage company I had XXXX phone calls from various managers from both FBC and XXXX XXXX. After about a month of being harassed with calls and rude managers telling me I had to do it a certain way i decided that neither company was for me. I read the negative reviews online and they all seem to have the same problem. As a business owner and a consumer i feel that the CFPB should look into this relationship and how it is affecting consumers and alos possibly violating the Dodd/Frank and or other regulations that cover steering, affiliate business, and customer options. Also why is it that they only advertise ( 1 ) lender on their website and not other local options?
Consumer complaint received 2017-11-29
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 (IL)

This issue started when I applied for the XXXX credit card as a promotion offer they mentioned to give 100 $ cash back when spend 1000 $ or more in the first three months. 
I did it and received the cash back bonus but in the mean while I have received so many letters saying that i would be given 250 $ when spend the 1000 $ as a welcome gift but when asked about it the XXXX guys opened an investigation and took almost 2-3 months saying that the issue will be resolved. But the customer representative when contacted keeps on disconnecting the chats and is trying to avoid the chat with me but when finally I asked for it they say that I was not eligible for it and when asked why?. They did n't give me any appropriate reason. This was so misleading by them that i was expecting the 250 $ cash back at some point of time. BUT THIS IS LIKE A KIND OF CHEATING OR FRAUD BY THE COMPANY. if I was not eligible for that offer then why the XXXX they should send me a tons of mails saying that i would get 250 as an offer. This is completely disgusting and they are not at all bothered about customers and their concerns. I am writing this only to make more people aware that not to fall in any kind of traps, frauds or misleading adds given by the XXXX.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (TX)

For XXXX credit card account# XXXX
For OneMain Financial XXXX XXXX XXXX account# XXXX

Per consumer law, a corporation cannot report transaction history: Amounts, late payments, non late payments, etc.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (CA)

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX, XXXX  and XXXX  The collection Agency AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KS XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not received any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The company has also violated these laws.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

There is over {$10000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$10000.00} for violations of the FDCPA.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2022 was given checks for doing work for a side job. Checks were found to be fraud and fake My account. Was closed at chase as a result. Tried to open XXXX  XXXX XXXX account on line I opened and deposited XXXX then received letter they closed account Letter states I may not be able to get a bank account in five years I can not locate the person who gave me the checks I
Consumer complaint received 2016-10-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX/XXXX/2016 I was trying to pay for an XXXX purchase via XXXX using my American Express card that is registered to my XXXX account. I received XXXX error messages saying that the card was declined. I contacted American Express via their on-line chat system and was given the number of their fraud department, which I immediately called. I spoke to an American Express fraud representative and he confirmed that my card was blocked because of " suspicious activity '' the purchase I was trying to make was in XXXX XXXX. I confirmed that I had made the attempt to pay and that it was not fraudulent. The AmEx representative indicated he would unblock my card and I would be able to proceed with my purchase. 
I tried to pay for the purchase again twice, and continued to receive the declined message. I called AmEx back and talked to a representative who said that my account had been blocked with a fraudulent charge and that my card had been cancelled and that they were sending me a new card. I informed her that a mistake had been made, I did not want this card processed, and that I needed to have my current card reactivated. She said she would forward me back to the fraud department. Although I had called the fraud department at XXXX, I 'm assuming she did not want to deal with me as I waited almost 10 minutes throug various " please hold '' and music, and kept hearing number tones between each XXXX, until finally I was told be a recording that my call did not go through. 

I called back the fraud line and the last person I talked to confirmed that my card had indeed been cancelled. I explicitly said that I wanted to be transferred to the Office of the President so that I could file a formal complaint. However, this person instead must have pretended to forward me and then my call was disconnected. 

I am now in a position where I have promised to pay for goods in XXXX and American Express has prevented me from doing so in a timely manner that causes me harm to my reputation on XXXX as well as harm to my relationship with the individuals and business I have agreed to purchase items from. 

I 'm not sure how American Express is treating their customer service people, but there appears to be a complete lack of compliance when it comes to following the rules and regulations for filing complaints that could cause severe under-reporting to the CFPB. 

While I am glad that American Express is protecting me from fraud, I am very unhappy with how I 've been treated and their blatant disregard for the rules and regulations of the XXXX. I would like American Express to revalidate my card as soon as possible. 

I am requesting that this be published so that others know that if a company refuses to let you file a formal complaint with them, you can come to the CFPB website and file it.
Consumer complaint received 2021-09-02
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. (PA)

Hello, it has come to my knowledge that the information reporting on my credit is non-compliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Wilber and Associates, P.C. (FL)

I was contacted by this law firm today XXXX17 in regards to an auto accident i was in they were attempting to collect a debt due for the damages to the other person, when i returned the call to the lady XXXX she asked how i was going to pay i advised XXXX that i could not pay that amount and i would need an extensive payment plan, XXXX then stated that i need to pay her 50 % which would be XXXX then 5 % which is {$1000.00}, i advised her that i can not afford to pay that upfront but i would be happy to pay her what i can afford until the balance is settled in full, she refused to accept anything lower and then attempted to bully me over the phone and threaten me to have my license revoked into scaring me into paying money i do n't have, i then called back and requested a manager and another lady answered the phone who also became abrasive and a bully and refused to let me speak to a manager I will not be bullied by a debt collector or threatened into paying a debt.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX. XXXX On XX/XX/XXXX @ XXXX XXXX  I sent a Certified mail to the companies XXXX XXXX XXXX XXXX XXXX XXXX of my Data leak on the Dark Web, the printed page from EQUIFAX Data Breach site showing I was affected by their Negligence of protecting my data. A Cover Letter with Directions explanations and amounts Im immediately owed and what will happen if they dont comply and respond appropriately with my Money in various options and I have a invoice for Due damages in correlation to every thing. 
I will be including the certified mail receipt and the return receipt I got back on XX/XX/XXXX showing that they received it, signed for it and yet I never got my Payment transferred from them to either my treasury account I provided or in the mail in a money order, Check, Or cash at my residence on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, California. ( XXXX ) I gave directions on how to do everything and the timeline they have to pay and that their non response or Acquiescence will be proof of all statements, claims and violations made against them standing as Fact and truth and Acceptance. Equifax is in Violation of federal /State laws and regulations 15 usc 1681 ( s ) 2, 15 usc 1666 ( d ), 15 usc 1692 ( k ), 18 usc 1961, and correlated codes of the CFR, FDCPA, FTC and CCPA.

I notified them of a finding that they have securitized my account by using my SS # and to provide me with my 80 % of past present and future profits from my securities as my security intermediary and I as the Entitlement Holder of the Account.

I expect a immediate Payment and Response on my Cell Phone, Mail notifying me of the payment processed and corrected my account thank you My affidavit, exhibits and receipt of sending and receipt of return with their signature on it showing they received it. Will be in my uploads so they cant pretend they dont understand or know what Im talking about. I am demanding payment not a service or anything else Payment Payments Money!!! 
Total XXXX for Data-breach failure to continue reporting fraudulent accounts and inquiries and information on my account. They have 3 days to resolve this matter seeing as I have done my Administrative Process and will be filing with the XXXX XXXX XXXX for Said amount plus noncompliance.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (IL)

TO THE FACT I AM FEMA AND NEW MOTHER XXXX THEY OVER COST ME XXXX FOR EXTRA FEES FOR NOT ADHEREING TO THE SCEDULED PAYMENT DATED ; AND THEREFORE IN XXXX XXXX XXXX XXXX THEY OVER COST ME AS MUCH AS XXXX XXXX AND I NETWORK AND I SWEAR ILL NEVER SUPPORT THIS XXXX  AGAIN IN XXXX AND IT WAS UP XXXX AFTER ALL ADDITOINAL THIS YEARS FEES OKAY THEY SAID MAYBE YOUR ID IS THEFTED AND WE DON'T APPROVE YOU THEN IN XXXX FOR DISPUTES TO DISPUTALS FOR NOT EVERY ANYTHING EVER AGAIN, RUINED*
Consumer complaint received 2021-03-25
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: TOYOTA MOTOR CREDIT CORPORATION (IL)

I do not recognize any of these companies they are reported as inquiries on my credit report ..XXXX/XXXX  XX/XX/XXXX ... XXXX XXXX XX/XX/XXXX ... XXXX  auto XX/XX/XXXX ... XXXX  XX/XX/XXXX ... XXXX XXXX XXXX ... XXXX credit/XXXX XXXX XXXX XXXX XXXX ... .. Toyota motor credit auto finance XXXX XX/XX/XXXX ... ..Us Sm Bus Admin XX/XX/XXXX 2020
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (FL)

late XXXX or XXXX XXXX I spoke with a rep at XXXX  XXXX XXXX XXXXXXXXXXXX XXXX, it was an oversight on being late with my last balance due of {$52.00}, i was on a deferred payment plan. I followed up after the call with a letter of hardship. The rep on the phone call agreed to drop one {$29.00} and kept one {$29.00} on the balance, bringing my balance to {$89.00}, I take care of my XXXX year old mother which has brought significant financial problems. My small balance was not intentionally over looked. Hurricane Irma struck on XX/XX/XXXX in XXXX XXXX Fl. I am in a six month forbearance with XXXX XXXX. It has been absolutely chaos in my home and the XXXX XXXX. On the first phone call I asked that my credit card be cancelled. Upon receiving my statement from XXXX XXXX, my balance is now {$150.00}. I presently have XXXX XXXX XXXX installing a XXXX XXXX as my mom XXXX XXXX XXXX. I proved my finances to them. I mentioned yesterday by phone to XXXX XXXX  that I have financial proof of everything. They refuse to bring my balance back to the {$89.00}. Even though the credit card was cancelled by me in good faith, I now read on line that they help hardship clients and disaster victims.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Again XXXX XXXX removed the bankruptcy dismissed from my public record. The company where XXXX, Experian, and XXXX  picks up matter like this to report resolved this matter in XXXX. So if XXXX XXXX rep realized it and removed it from my public records. What is the actual problem? XXXX  removed it yet and still I have showed proof to Experian and XXXX  and still going through this after getting a letter from XXXX  that it was deleted.