davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I had a credit card with XXXX and now the debt is owned by Midland Credit from what I am told. The original amount of the credit card was XXXX in which has been charged off by XXXX and Midland Credit it trying to collect over 1700 from me who is a student and do n't have alot of money. I received a lawsuit paper from XXXX and XXXX who has not been negotiable with the debt, I have tried several times to offer them half of the XXXX which I do n't understand why I would have to pay more than what I owed and they refused and want me to pay XXXX. I have agreed to making XXXX payments a month for now, but want to just get rid of this and make the original offer of XXXX which would be less now. I need for you to help me in this matter and collection agencies are relentless and now have a lawsuit pending in which is on hold for now since I made a payment arrangemtent.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX I am a victim of identify theft. Enclosed is a copy of my credit report with the fraudulent items circled. I did not open these accounts or receive these loans. 

Loans or accounts I did not open : 1. ) XXXX # XXXX 2. ) XXXX  XXXX # XXXX 3. ) XXXX XXXX XXXX # XXXX 4. ) XXXX # XXXX 5. ) XXXX XXXX XXXX XXXX # XXXX 5. ) XXXX XXXX # XXXX 6. ) XXXX XXXX # XXXX INQUIRIES 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX 4. ) XXXX XXXX XXXX 5. ) XXXX XXXX XXXX XXXX XXXX is reporting an address Ive never lived at with incorrect information including phone # s etc. ( proof provided ) Enclosed are copies of documents [ List all the documents you have to support your case, such as police report, ID Theft Affidavit, et... ] concerning the unauthorized use of my identity. I am requesting that you remove this information from my credit report as soon as possible and send me an updated report. 
Thank you.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2024-02-07
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. (TX)

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal & non verbal per 15 USC 6805. I am now rescinding that authorization and that is effective immediately and indefinitely.

the account that will be referenced in this complaint is the following : XXXX XXXX XXXX XXXX - account number XXXX account balance {$36000.00} opened on XX/XX/XXXX XXXX XXXX XXXX XXXX - account number XXXX Account balance {$11000.00} opened on XX/XX/XXXX according to 15 U.S. Code 6805 Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows. 16 CFR Part 313 any reporting of transaction history is a direct violation of the privacy act of 1974 and is illegal.
Consumer complaint received 2024-02-07
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: Mercedes Benz Financial Services (IL)

My Mercedes Lease agreement was terminating on XX/XX/XXXX. I received an email on XX/XX/XXXX that my next auto payment was being drafted on XX/XX/XXXX. I called Mercedes Benz Financial Services, asking how I could turn off this payment. They gave me instructions on how to cancel the auto payment, but the current pending fee of {$1100.00} was processed anyway and removed from my account. 
Now there was an extra payment on my account of {$1100.00}. I asked MBFS for a refund of my overpayment. They said they needed to hold the payment for 7 days before refunding. 

I called back again on XX/XX/XXXX and they said after the 7 days is up they would mail me a check for a refund. 

On XX/XX/XXXX I turned my leased vehicle in and purchased a new vehicle from the same dealership. 

On XXXX/XXXX/XXXX, I called MBFS asking where my refund was ; they said my refund went to the dealership as a credit for what the dealership had to pay to purchase my leased vehicle from MBFS. So the dealership paid {$1100.00} less for the vehicle because of my payment. 

MBFS says they will not refund my overpayment as they gave the credit to the dealership and no longer have the money to refund me. 

They told me to request my overpayment to be reimbursed from the dealership. I had the MBFS customer service agent do a three-way call with them, me, and my dealership sales agent. 

My Mercedes dealership located in XXXX XXXX, FL. XXXX the sales agent did understand, as stated by the MBFS, that my extra payment was given to the dealership as a reduction of the payoff fee. 

The XXXX dealership said the bottom line was that I would not get any refund from them. 

So, to this day, I am still out the {$1100.00} with no resolution.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (WA)

1. The account was set up for automatic payment. For several months you withdrew money from the XXXX account and also billed my company. 
2. It took multiple, lengthy phone calls to get this fixed. Each time were assured that the problem had been solved only to discover the next billing cycle that it had n't. 
3. Further, rather than withdrawing the actual amount due you withdrew a fixed amount ( {$440.00} ) each month - regardless of the amount owed! E.g. the statement for payment due XXXX XXXX showed a balance of {$95.00} but you withdrew {$440.00}, creating a credit of {$340.00}. The statement received yesterday shows charges of {$59.00}. But instead of reducing the credit balance by that amount you again withdrew {$440.00} from our bank account thus increasing the credit balance to {$720.00}. This is ridiculous. 
4. When we called to get this corrected your representative told that Citi has no way of netting current charges against credit balances. If true this is absurd. 
5. As to your telephone service, I can only say that it has been terrible. When we called to clear up this mess ( two times today alone ) we first were put on hold for more than 15 minutes before reaching a representative. He/she listened to our complaint, said that we needed to speak with a different office, and put us on hold. After another 10 - 15 minutes on hold we were disconnected. We then called to cancel the account. The same thing happened.
Consumer complaint received 2024-02-08
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)

I am formally contesting any inaccuracies on my credit report, aligning with the FCRA and Metro 2 data field reporting standards. Unsupported claims of delinquency and derogatory remarks can not be accepted without documented proof. Accurate and complete reporting, as mandated by federal and state law, is essential. I urge you to ensure factual, lawful claims and provide verifiable evidence for account existence and usage. If not, kindly remove it and send physical documentation of your actions and my updated credit report. Your prompt attention to this matter is appreciated.Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-02-07
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. (TX)

am writing to file a formal complaint against XXXX, Equifax and XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated.

On [ 1-2 2024 ], I notified [ Light stream ] that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX, Equifax and XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX, Equifax and XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed XXXX, Equifax and XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2015-12-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I opened a bank account with Citi bank under a promotion which promised me XXXX thank you points when I open a new Citigold bank account. The promotion indicated that I need to be a new account holder and since I had recently closed a bank account ( XX/XX/XXXX ) I talked to the agent to enquire whether I qualify for this promotion or not. At that time the agent told me that I qualify and I will get the points within 60-90 days from opening the account. So I went ahead and opened the account. After using the account for a month I verified with the bank if I have met all requirements of the promotion and when I will receive the points. The bank responded via email that I have met all requirements and will receive the points no later than by XX/XX/XXXX statement. Now after XX/XX/XXXX passed and I did not receive the points, I inquired again, and this time they tell me that I do not qualify since I used to be a customer at a earlier point in time before I opened this bank account. This is a very unfair and deceptive, I inquired with them multiple times and every time they said I will receive the points, and in the end after keeping the account open in good health for 3.5 months they tell me that I no longer qualify for any points.
Consumer complaint received 2024-02-08
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. (MO)

I have reached out to these companies as well as XXXX XXXX and Equifax about the misuse of all unauthorized information that is reporting to my credit report. 
The Congress enacted the federal Fair Debt Collection Practices Act, a 1977 law that prohibits third-party collection agencies from harassing, threatening and inappropriately contacting someone who owes money. And all these laws have been broking.

I have sent dispute letters and no responses in a manurable time. I would like to have these companies investigated as well as having these accounts removed and deleted from my credit report. I've attached the information that was sent. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson Cruz & Associates LLC (MS)

On Saturday Morning XX/XX/2021, I returned a call from a local number. The entity that answered was Nelson Cruz and Assoc.. Obviously, they are using a call spoofing software program. They alleged I owed an old credit card debt of which I have no memory and even if this were true the statue of limitations has long since expired. I explained that even if the debt is valid I have no income other than Social Security XXXX. The representative then stated they " participate in a Federal program that will allow me to pay {$50.00} per month and then I can have the situation reevaluated in 6 months. '' Prior to my XXXX I was a banker for 20 years and know what is and is not allowed per The Fair Debt Collection Practices Act. I'm pretty confident the statement about a false Federal Government payment program falls in that category unless the Federal Gov't has indeed gotten into the credit card collection business which I highly doubt.
Consumer complaint received 2021-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (TX)

On XX/XX/2021, {$370.00} was utilized by XXXX whom has a contract with Affirm for loans. XXXX XXXX was sent funds on date from Affirm. XXXX XXXX agreed to get resume written by top individuals in that field of subject with a promise of 48 hour return. Confirmation of start from XXXX XXXX can the next XXXX  on a the writers assignment to the project. An old resume was submitted to XXXX XXXX. I had several request which the company ( XX/XX/XXXXXXXX XXXX agreed to respond within 24 hours however, it was an auto reply ) So, I was not getting the writer to respond but, after 3-4 days he finally respond which, I had already requested by XXXX XXXX for the removal and the response for customer service took two days just for a reply of WHAT IS YOUR ORDER NUMBER? I was totally shocked by the response with their phone number to reach them at XXXX. I told XXXX that they failed to deliver on their advertise promise and I wanted a Refund. Agent stated putting request in should be answered by tomorrow. Called Affirm and told them about the situation. Affirm agreed to file refund with the merchant. I called XXXX XXXX the next day to see if my refund was processed and told to call back the next business day. I called Affirm and told them again what was going. I really like Affirm but told Affirm about XXXX XXXX complaints with the XXXX  reached 444 complaints regarding the same issue. XXXX XXXX is taking money from Affirm and not doing the work leaving the customers to pay the loan and telling the Affirm that their company did the work. I was told I would get with Executive -resume, XXXX makeover and cover.. Resume contain issues related to alignment, grammar and other issues and XXXX was never done. However, the XXXX XXXX today states it was services done as a charge back in XXXX which, I never had service and advised this was XX/XX/2021 and the manager stated, " OH, we are not giving the money back because he feel we worked on it. Now, we can get you another writer but, you will not get the money back. Called Affirm and told them about the fraud being committed by this company and deceit where, Affirm is given money which belongs to us to XXXX XXXX knowing -- no refund will be given but stolen.. NOW< I am out of a resume and I advised AFFRIM I will not pay that loan off due to FRAUD AND FALSE ADVERTISMENT> Your loan confirmation XXXX XXXX has processed your order, and your loan has been confirmed! 
We'll keep in touch with email and SMS payment reminders, and you can access your account at affirm.com/u. 
Enable AutoPay You may also want to enable AutoPay. It's the easiest way to pay, and will help you build positive history with Affirm through on-time payments. 
Your Loan Breakdown With Affirm, you'll never have to pay compounding interest, hidden fees, or unexpected costs. What you see is what you'll pay! 
{$340.00} Loan amount The amount of credit you borrowed through Affirm {$370.00}
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (CA)

My wife is going through the exact same thing!! 
I called on XX/XX/XXXX, to close my acct. We tried to close his account b/c of the fee. He stopped using the card months ago. Amex tries to talk him into keeping the acct. He asks for a downgrade to a free card. None available. Amex claims that they ca n't reverse the annual fee for XX/XX/XXXX even though we have n't used the account since the fee was assessed on XX/XX/XXXX. Moreover, we stopped using the account months before the fee was assessed. Amex said we 'd have to talk to a supervisor but she was unavailable. We left her a vmx. No response. 

All we want is to close our acct in good standing with a zero balance. Amex thinks it 's fair to charge an annual fee of {$95.00} for a card we have n't used in months simply b/c we called XXXX days after the fee was assessed on an acct we do n't use. 

AMEX does this every single time. We have never experienced this with any other bank. Then Amex tries to charge late fees and interest charges based on the annual fee alone!!!!! This is unconscionable.
Consumer complaint received 2021-01-20
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. (MI)

Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life. 

Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Consumer complaint received 2016-09-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I had disputed a closed charge off balance of XXXX from Midland funding collections on all XXXX reporting credit bureaus ... .After the dispute came back on or approximately XX/XX/XXXX it was reported to all three bureaus that I only had a balance of XXXX dollars..I then contacted Midland funding to pay the XXXX dollars.They said no I still owe XXXX dollars and that they never reported the balance of XXXX dollars to no reporting agencies. I have proof from all XXXX credit reporting agencies ... .They then contacted the XXXX bureaus after my dispute came back stating I only owe XXXX dollars and reopened my account to reflect the XXXX after my call to pay the XXXX dollar balance ... ..My score dropped over XXXX points ... ..This is definitely a violation the fair reporting act. XXXX