davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Comerica (GA)

MONTH EXPIRATION DATE OF THE DEBIT PREPAID MASTER CARD ACCOUNT IS OLIGARCH XXXX XXXX XXXX BREACHES FORGER WIRE FRAUD FEDERAL ACT OBSTRUCTION OF JUSTICE ANTITRUST LAW TROJAN HORSE COSPIRATORS PURJURY R.I.C.O. ACT 1970 SYSTEMATIC XXXX DISPARITIES APARTHEID COLLUDE-COLLUSION ON XXXX.
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2019, I was informed by US postal service letter from Portfolio Recovery Associates ( PRA ) that they purchased a " debt '' of {$19000.00} from XXXX  XXXX credit card ( acct : XXXX ) which they claim was owed by me. On XX/XX/2019, PRA filed a bad debt with XXXX for the full amount of their claim. I have never had a credit card with XXXX XXXX nor any loans. After several calls to PRA to explain the issues, they did not research the issue and told me that the money was owed and there was " nothing I could do '' besides pay the full amount. I subsequently wrote a letter requesting documentation ( with my signature ) that I opened an account with XXXX XXXX and asked for written confirmation the charges and legal ownership of the account. PRA has never responded but does send robocalls at least once a day for more than 2 years to threaten me about the monies owed.
Consumer complaint received 2020-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

Paypal has stopped verifying street addresses on delivery confirmations. Fraudsters are aware of this and are selling fake goods, mailing a worthless package to a different address in the buyer 's city and zip code, and using that delivery confirmation to get the disputes closed. Paypal asked for proof from USPS that the seller shipped the package to the wrong address, but when I provided it they closed the dispute again without reviewing it. I've tried escalating or reopening the dispute to no avail. I've called their phone number to try and talk to a real person but the phone line simply hangs up on me after it says it will transfer me to an agent. The PayPal dispute case is XXXX. The USPS service request is XXXX and the USPS item # XXXX confirmed the package was scanned and delivered to an address other than mine. PayPal has received written notification from USPS confirming this, but they still won't return my money. Furthermore, I spoke to the actual mail carrier that delivered the package and they confirmed the package was too small and weighed less than one pound to have possibly been the merchandise I ordered. This is a clear scam. Paypal 's poor business controls and negligent dispute process is perpetuating this fraud. In speaking with USPS they confirmed this is a very common occurrence and a growing fraud that needs resolution. I am more concerned about how many other Americans are being taken advantage of in this manner than getting my own money refunded. I can live with this loss, but there are vulnerable populations like the elderly for which this could be financially devastating. Please investigate this fraud and PayPal 's negligence in perpetuating it.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CT)

Citibank/XXXX  XXXX XXXX Department Stores National Bank ) issued my Statement of Account on XX/XX/XXXX - on page 3 you will see that my account is enrolled in automatic payment and that my next payment would be drafted on XX/XX/XXXX. According to Citibank- they had a system update on XX/XX/XXXX which deleted my automatic payment. They then reported me as late to the credit bureau. They have admitted their error and sent me a letter that the late payment will be removed from my credit reports, however, XXXX has not removed the XX/XX/XXXX late mark from my credit report even though the data furnisher has requested it. I have disputed the information with XXXX and they did not make the adjustment. I am including a copy of the letter from Macy 's that indicates they have requested the '30 day late ' be removed from my credit report, as well as a copy of the XXXX statement that indicates I am still enrolled in automatic payments. 

Citi did not provide an accurate account statement - XX/XX/XXXX statement indicated that my payment would be automatically debited, but Citi cancelled the payment due to their system update ( the statement was inaccurate - a violation of Reg Z ), and then reported the payment as late inaccurately to the credit bureaus ( a violation of FCRA ). XXXX did not remove the late payment as requested by Citi.
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (CA)

I was a victim of identity theft, accounts were opened with out my knowledge and the credit bureaus refuse to close this fraudulent account. They have submitted my information to a debt collector that wants me to pay for an account that I never opened.
Consumer complaint received 2020-10-10
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: Experian Information Solutions Inc. (NJ)

Hello I was sick with XXXX and im still getting back to normal. I looked at me credit and seen 24 inquiries that I never gave permission all is listed below I need these removed. I dont know whats going on. Please help and delete. 


XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Provider Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

XXXX is designed to reduce mortgage payments to XXXX percent of a homeowner 's pretax income or suspend monthly payments for at least one year as he seeks employment. The borrower must be unemployed and eligible for unemployment benefits, use the home as his primary residence, have taken out the loan no later than XXXX XXXX, XXXX, and owe no more than {$720000.00} on the mortgage balance. Borrowers who have fallen behind on payments, or expect to fall behind, may apply for XXXX 

XXXX  Application Process Applying for an XXXX  modification involves paperwork and an income review, similar to qualifying for a new home loan. Applicants complete the MHA " Request for Mortgage Assistance '' form, an MHA hardship affidavit and sign an MHA authorization form. A borrower who is already in foreclosure at the time of application may have to sign a letter acknowledging the simultaneous foreclosure and forbearance processes. Lenders may verify unemployment income borrowers are either drawing or eligible for, as well as borrower assets. Lenders may require that homeowners receive up to three months of unemployment benefit payments before an XXXX forbearance begins. 

THIS IS THE LOAN MODIFICATION IN WHICH I QUALIFY FOR. FREEDOM MORTGAGE KEEPS WANTING TO TAKE A FORBEARANCE WITHOUT MY PERMISSION
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Todd, Bremer & Lawson, Inc. (FL)

This was a parking ticket with XXXX  XXXX University originally. All Tickets were paid in full. 

I was deducted {$30.00} from my account in XX/XX/2019 from my bank account without my permission this was not authorized by me and without me knowing. I would like that returned to me. 

Todd Bremer & Law XXXX Merchant Address XXXX SC XXXX In addition, they have sent me this letter attached saying that I owe an additional {$30.00} which is not true.
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

I was notified XX/XX/XXXX that Wayfair was closing my account with no reason attached. I sent a message to ask why it was being closed. It was opened in XX/XX/2020. All payments made on time and in full. They said that they were no longer doing business with Comenity Bank, the account would be closed XX/XX/2020 and the balance needed to be paid in full. There were secure messages sent back and forth about this. 

I called Wayfair, they said I had to contact Comenity Bank. I called Comenity bank and was told they were no longer doing business with Wayfair and my account was being closed and needed to be paid in full. 

I recently made some purchases that were on a promotional - No interest for 6 month. They said it needed to be paid in full by XX/XX/2020 or I will be paying the interest on those purchases. 

On XXXX XXXX they closed the account which dropped my credit score because of the percentage of available credit, and I still do not know why it was closed. I asked if mine was the only card being closed. No response. I have secure messages with me asking why and they only response is that Comenity bank is no longer doing business with Wayfair. But Wayfair is still issuing credit cards.
Consumer complaint received 2023-05-23
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (CT)

One of the sales rep from Lexington Law called me back in XX/XX/2020 to offer services related to Credit repair. I have problems with spoken English and understanding it. I explained it to them but they convinced me to go ahead and try their services and that language is not a problem. So I went ahead with them for 1 months to start with. The plan was to try the service and based on results go ahead or drop it. With limited understanding of what they were selling, I never fully understood what they were upto. Lexington Law continued to deduct monthly amount XXXX from XX/XX/2020 till XX/XX/2020, They never called me to explain what was going on. Later, while checking my account in XXXX I found out that they didn't stop charging me, after one month of deduction. I cancelled the service in XX/XX/2020 and asked for refund for 4 months out of 5 which they had deducted. There has been no progress so far. I called them plenty of times but they don't act. They promise to call back within 48 hours but no one calls back or follows up. There has been no benefit in my credit improvement but they have charged XXXX USD.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

XX/XX/year>2024 Subject : Formal Complaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year>2024 ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly. 
Payment History and Errors Equifax shows an inaccurate XXXX-day late entry in XXXX, which I have previously disputed.

Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Equifax. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes. 
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report. 
Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX/XXXX/2024
Consumer complaint received 2024-11-01
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I opened a business checking account with chase to use it for my rental income. I am XXXX XXXX XXXX and currently stationed in XXXX. I was meant to add a temporary address so I can receive letter mail for this account while I am in XXXX but I accidentally changed my permanent address in XXXX, I then went on XXXX for about 3 months. Chase contacted me back in XXXX but I wasn't able to get it and After I came back from my XXXX I got a letter in mail saying my account is getting closed. I then contacted chase explained that my permanent address is still in continental U.S, so does my business address as sole prop.
Consumer complaint received 2024-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I have had a credit card with wells fargo for over 10 years. Recently they gave the management of the card to XXXX. Our credit standing for our non profit whose name it is under, is perfect. In XXXX they said that we needed to provide tax returns in order to maintain the card. Never requested that before. i have never been asked this from any of my credit cards. they have since closed the credit card.
Consumer complaint received 2022-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

I started a Venmo account at the request of my teenage children, this is where I went wrong. Upon my son sending me money for repayment of his insurance, my account was immediately frozen. I have tried to email with Venmo for almost 2 months now, and seem to be no closer in having the funds released than I was the day this nightmare started. They refuse to pick up the phone and call me, although I have requested it in almost every email I have sent. We tried to dispute the charge with our bank, as it seemed very fraudulent of Venmo ( a company I have no history with ). They somehow won the dispute, and here I am still without the money. This started around XX/XX/2022 and the amount was for {$100.00}.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian. XXXX, Experian has violated my consumer rights and violated federal law. This is multiple times now in an attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.