davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (MO)

I've been with American Express for many years and have always experienced great customer service up until this year. I don't know if they've changed their model or staff but I have never received such poor service from a top credit card company. I have a business and a personal credit card with them. My personal account is paid off and closed but I still have a balance on the business account. I reached out to ask to American Express to find out if there were any programs I could take as of the lower the interest and min due. At that time they enrolled me into what they call a long term payment plan paying {$520.00} a month. This is still a big payment but I was managing to make it monthly until COVID-19 hit our business. Like many people we went from making money to making nothing in the matter of weeks. I immediately reached out to American Express to see if they were doing anything to assist individuals who had been impacted. I was told that I would not be required to make a monthly payment for 2 months. I was so relieved at that time to know they were going to work with me. In XXXX I started back making payments but started getting collection calls. I was told the account was past due by two months. The payments that I was told not to make I was now being penalized. Not only did they start calling each day trying to collect on a debt but everytime I tried to speak with a supervisor they weren't available. I literally spent hours on this account right now it's still showing past due I still am not working. The practices that American Express took during covid were not helpful and misleading.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma (IL)

I've disputed incorrect address to credit karma in XX/XX/2018, as well as to XXXX on XX/XX/2018. They both are refusing to delete the incorrect address off of my credit report. I've never resided at the address and my name did not appear on their lease. the incorrect address are : - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
The only addresses that should be reported on my credit reports are - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX   XXXX In addition to the only phone number that should be reported is XXXX. I've been denied apartment applications because my credit history reports differently.
Consumer complaint received 2018-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I used my checking account with Chase Bank on XX/XX/2018 at approximately XXXX to transfer {$40.00} via XXXX XXXX XXXXXXXX XXXX to a party named XXXX XXXX. The money was sent as a payment for tickets and soon as the money was sent the seller disconnected his phone prior to sending the tickets. I contacted Chase immediately and was told they could do nothing and the payment was already completed, however, it stills shows pending in my account. I was advised by a supervisor, XXXX and a manager, XXXX that I should seek outside council. They were unable to advise me of what outside council t seek.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY (MD)

American Express is not fully advertising the terms of the their reward cards that they offer through XXXX in exchange for voluntarily ceding a seat on a flight. XXXX XXXX ( XXXX XXXX contractor ) advertised the 6-month expiry of the funds but did not clarify that, unlike industry-standard Visa and Mastercard gift cards, there is no dispute process whatsoever such that money stolen by theft of the reward card or reward card number is gone forever. This also implicates American Express 's absurd claim that their cards are " safer than cash '' when they will not investigate any fraud and refuse to provide a replacement card unless you managed the memorize the 15-digit number of the card. This makes the cards virtually equivalent to cash and not " safer '' as their advertisement claims. Indeed, I spoke with XXXX XXXX from corporate, who claimed that American Express 's servers do not even verify a security code, an expiry date, a name, an address, or any other information except the 15-digit reward card number when approving a transaction. Not only is this far below the industry standard that Visa and Mastercard provide, but it again makes it laughable that American Express would advertise their card as " safer '' than cash. 
The CFPB should investigate American Express 's deceptive advertising regarding their reward cards. In addition, American Express should, in view of its failure to disclose the non-industry-standard terms of its cards until after I had already received mine, open an investigation into the fraud committed on my card and refund the remaining {$51.00} that I have been unable to recover.
Consumer complaint received 2018-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

My husband died XX/XX/XXXX. Per advice to notify all businesses/utilities, bank accounts, etc., about his death, I called Citi XXXX to tell them my husband had died. They told me his name was on our credit card as primary and the card would have to be cancelled as of XXXX. 
I was surprised to hear that - we had been married for 48 years, and had a credit rating of XXXX. They gave me no alternative. Our balance on the XX/XX/XXXX statement was {$76.00}. I had made a {$20.00} payment on XX/XX/XXXX. I expected to get a statement from Citi showing my balance and final statement, since they told me they had to cancel the account. 
Instead, I received a letter, not from Citi, but from XXXX XXXX addressed to the Estate of my husband, asking me to call them, and telling me the amount due was {$100.00} by XX/XX/XXXX. He does not have " an estate ''. The letter they sent had in bold print the following : You personally are not required to pay any of the debts of the Estate. 

I called Citi and talked to three different people and each one of them put me in touch with others at Citi ( and XXXX XXXX ) - all pretending to be helpful, but all of the referrals were a dead end with no one to speak to, with the exception of XXXX. I told City they needed to send me a statement as to the amount due and they have not done that. I do not want my good Credit rating to be damaged and having a collector to receive the money would do that. I told Citi to bill me and I would pay them, but they cut me off. 
I was shocked to be treated in that manner. If I had known this was their policy, I would not have informed them of my husband 's death.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting a update copy of my annual free credit report from XXXX XXXX and order sites. The information on XXXX XXXX shows Equifax has block forwardong a updated report since XX/XX/2017. I have contacted Equifax several times to tried to resolved this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.
Consumer complaint received 2018-07-05
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. (IL)

I've disputed incorrect address to XXXX XXXX in XX/XX/2018, as well as to Equifax on XX/XX/2018. They both are refusing to delete the incorrect address off of my credit report. I've never resided at the address and my name did not appear on their lease. the incorrect address are : - XXXX XXXX XXXX XXXX, Il XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
The only addresses that should be reported on my credit reports are - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX   XXXX In addition to the only phone number that should be reported is XXXX. I've been denied apartment applications because my credit history reports differently.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me
Consumer complaint received 2020-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

I'VE CONTACTED TSI ( TRANSWORLD SYSTEMS INC ) on multiple occasions ( XX/XX/XXXX ) & ( XX/XX/XXXX ) WITH NO RESPONSES VIA MAIL. I'VE ASKED FOR VALIDATION OF DEBT, THEY CLEARLY VIOLATED FEDERAL LAW, BY BLATANTLY IGNORING DEBT VALIDATION LETTERS AND REQUEST FOR CONTRACT BEARING MY SIGNATURE. THESE ARE NOT MY DEBTS, I'VE HAD NO COLLECTION ACCOUNTS SINCE MY BANKRUPTCY IN XXXX. I'M WORKING TO REFINANCE MY HOME AND THIS HAS BEEN A SEVERE HINDRANCE QUALIFYING FOR FINANCING. 
ACCOUNT # XXXX {$3200.00} & XXXX {$1000.00}
Consumer complaint received 2018-07-04
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: Eastern Account Systems of Connecticut, Inc. (TX)

I never contacted, contracted, hired or caused XXXX XXXX XXXX to do anything for me that I am obligated in any way to pay them for. 
They have no agreement or any other legal claim for payment from me. I owe them nothing, I don't even know who they are. 
I have never been contacted by them prior to them causing Eastern Accounts to place a collection item on my record with the CRA 's. 
Just because XXXX XXXX verifies the amount, does not in any way prove that I owe them anything. I have no knowledge of why they think I do. 
It's very simple to claim money. It is very difficult to prove you are owed, without any type of contract or other document, signed where I agree to pay or even have caused to be paid. 
No company should do work or try to charge for work without some document stating that the person the are trying to collect from has knowledge of and agrees to the charges and intends to pay them for said services. 
Provide written proof I hired a service from you and I'll pay it. Otherwise, I will not.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax XXXX. XXXX XXXX XXXX, Ga XXXX Subject : Falsity of Facts XXXX. 2014 Dear Equifax Dispute Dept : XXXX XXXX is making this consumer complaint or complaining Equifax repeatedly and persistently targeted and subjecting him to false reporting and unfounded statements to date, that depicts a negative credit rating and unfavorable image of not credit worthy though Southern fascist ideas. As a direct result, cause or attributable consequences of your discriminatory behavior and unfair business practices were ( intended ) to ruin my good name and reputation by such defaming acts and improper publications posted by your credit reporting agency. These acts went unabated for three years to date evidentiary by XXXX XXXX undertaking retaliatory action against XXXX XXXX for reporting to FTC their violations of the law. Specifically, deliberately and intentionally reporting erroneous information about him or omitting the facts a lien was satisfied in his name but instead reporting lien as unsatisfied is gross fabrication ; evidentiary confirmation # XXXX on their Equifax Research Form. Second act of commission by the Equifax Agency ; gross fabrication of XXXX XXXX XXXX act XXXX to date. Clearly obvious and foreseeable this discriminatory behavior and unfair business practices of reporting erroneous information and unfounded statements are Standard Operating Procedure that permeates throughout Equifax. XXXX XXXX having proven with genuine material of facts, Equifax is responsible for the employees actions by engaging in or intentionally in pattern or practice of irregularities, procedural defects, by making XXXX XXXX the object or target and subjecting him and other XXXX XXXX to the there discriminatory behavior and unfair business practices to date.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NV)

The creditor named on my credit report, does not own the debt and can not offer me any means of satisfying or paying the mentioned line item or debt. This is illegal. Any company who lists a line item on someones credit report, MUST BE the company that can accept payment or other means of satisfying the debt. how can i fix something, if they do not offer me a means of doing so. Creditor Name is a VERY IMPORTANT THING lol this is not to be taken lightly. This would be like naming the wrong person in court, the case would be immediately dismissed. The wrong creditor name is a very important part of the terms of the mentioned debt
Consumer complaint received 2016-12-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

I have contacted Equifax four times about inaccurate information that is on my credit report. Each time they claimed to have verified the information without providing me with any physical verification. This is totally violating the laws in the Federal Credit Reporting Act. I have requested repeatedly that they delete these items from my report but they have refused.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Action Revenue Recovery, LLC (TX)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ACTIONREVREC plus they did not provide me with the original application like I asked. 
Account No : XXXX XXXX XXXX : {$160.00}
Consumer complaint received 2020-08-23
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. XXXX XXXX XXXX. XXXX, GA XXXX. 
ATTN : EQUIFAX dispute department RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your  agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2018 A payment of {$500.00} was made on this account. The payment posted and the funds were available. Typically, if a payment is made from an account other than my capital one savings, the payment and funds take a few days to clear. This being the typical process, it was safe to conclude that the payment submitted in XX/XX/2018 cleared. Throughout the month, I used the card as usual. I took a cash advance and made in store transactions. 
On XX/XX/2018, I noticed that Capital one allowed for this payment to be reversed. I am unsure as to why. As to their own policy of making funds available AFTER funds from payments are verified I am unsure why this is happening. The payment on this account was in full and intentional. the information used to submit the payment match my account. 
With the reversal, my account is showing 200 % usage which is inaccurate and unfair. 
Payment for XX/XX/2018 was in full and on time. I was never contacted regarding any inefficiencies with my XX/XX/2018 payment.

I want that reversal removed and my account balance to reflect the balance for the purchases and cash advance that occurred in XX/XX/2018
Consumer complaint received 2022-09-14
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1995 Balance : {$21000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (KY)

XX/XX/208, American Express bluebird til {$44.00} from my account. Labeled as XXXX American Express. I called them and was told it was a computer glitch that double charged me. I was also told it happened to other prepaid users, blue bird and serve card. 

Every day I call, get told oh we know about it and it will be fixed in 24 hours, if not call us back. Every day for 5 days now. 

They are aware of their own computer system taking consumers money illegally and not refunding it. 

Escalated to countless supervisors and still no money back in my account. They were never authorized to take the amount nor hold it. Best I can hope for is to get it back, in the meantime, that money was to go to bills, food and gas which has put a dent in my day to living.

I am tired of calling and being on hold for over an hour just to be hung up on or hear the agent laughing with their co workers and no addressing the issues.
Consumer complaint received 2022-09-14
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1995 Balance : {$21000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX should not be reporting to XXXX and Transunion that I was ( 30 ) days late in XXXX, XXXX on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) On XX/XX/2020 I sent a letter to the XXXX XXXX  Dispute Center ( please see attached for reference ) and requested they withdraw the negative credit information reporting. I outlined in detail the facts surrounding our lease return of the vehicle. The return of the vehicle had been accepted with no issues. During the entire term of my lease on the vehicle there was never any missed payments. The lates that XXXX is reporting is for a missing key payment, which I specifically addressed in my letter to the XXXX XXXX Dispute Center. I was not aware that XXXX had reported this account late until I obtained my most recent copy of my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried on multiple occasions to reach a representative at XXXX as well as the bureaus to remove these lates however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this false reporting is causing a hardship on my family to obtain a home mortgage loan. I graciously request, again, that these lates reporting be removed.