davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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. (CA)

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 items 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 items 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 items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX 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 2023-02-20
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. (FL)

I checked my credit report and was instantly stressed and depressed because I had inaccurate information on my report. My reputation with the banking system has been destroyed simply because these companies are reporting inaccurate information. I don't have contracts with these companies and there are unauthorized inquiries on my account as well. Someone used my personal information without my consent! I've reached out to the credit bureaus over XXXX days ago and they still haven't responded. I know they have to respond and they need to be help accountable and remove all inaccuracies immediately
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRSTBANK PUERTO RICO (FL)

This car loan has been on my acct for more than 7years has a repo, I've contacted the credit bureau and was told it's not showing in their system but I've run my credit and this is hiding and still on my file credit file
Consumer complaint received 2023-02-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NE)

In XX/XX/XXXX I was able to take a XXXX forbearance on my home loan. Due to pandemic the doors to my employer closed down. Citizens One made it easy to utilize the forbearance as an option. After my forbearance period was over XX/XX/XXXX they had me contact them to set up payment options. I was told the past due would be put on the back end of the loan. They directed me to fill out a loss mitigation application. I did so. 
I submitted all required documents needed. Nobody updated my account for months. I tried to make a payment towards my mortgage and my payment was returned to me. They said no payments are allowed to be accepted during this time. Months went by no update. I contacted them again. Suddenly I got a letter in the mail saying i have been denied due to incomplete application. I challenged this with the representative. They said resubmit all the documents again. Months passed, finally i got a response in the mail stating that i had two options. Died in lieu or short sale. only two options.

This was not my plan to sell my home. I was mislead and they said that they can not allow due to so many months of non payment. Where do i go or what do i do. This is unfair. How can anyone expect to be able to pay lump sum at one time after forbearance and then not be given any options to resolve the situation.
Consumer complaint received 2023-02-19
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: EdFinancial Services (TX)

I notice several month ago i had a student loan being reported on my credit report by XXXX XXXX. I sent out a validation letter and after 30 days it was still being reported and never was validated. I contacted them and was informed the debt was transferred to EDFinancial, after i got in contact with them, i explained my situations and told them by law it must be removed as it was not my debt and they were give 30 days to validate and never did. So the representitive asked for my address to confirm, and the address they had on file was not mine. After the fact, they began using the information to report on my credit reports without my authorization which is a clear violation of my rights. I sent out be certified mail a letter requesting a proper consumer investigation on the matter as described under the Fair Credit Reporting Act US 15 1681a section 3 ( e ) which stating interviews must be conducted which friends, neighbors, and associated who may have knowledge of the assumed debt. I have contacted all the people i am familiar with and no interviews have been conducted and the debt is still being reported although no efforts has been made in regards to my request for a proper consumer investigation which are clearly within my consumer rights.
Consumer complaint received 2018-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

I was sent a letter XX/XX/XXXX notifying me my account would be subject to fees starting XX/XX/XXXX. I called to find out why, and was told to " ignore the letter '' I asked that I receive a written notice of what Citibank was planning to do with my account and notified them I was uncomfortable with an agent telling me to " ignore a a letter '' - especially when the letter states my account will be subject to new fees. 

I would like to receive a written notification of what my account will be subjected to in terms of fees, if the letter they sent to me is wrong. The agent I spoke with on the phone told me he can be identified by # XXXX and his name was XXXX. 

I am concerned my account will now be subjected to fees when it should not be. I have never had fees on my account and the agent was unable to explain why I would be subjected to fees now.
Consumer complaint received 2018-12-19
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. (CA)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-02-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (VA)

Cfpb I woukd Like for you to first act upon this issue vs automatically closing my complaint I've been contacted for a purported debt. Elan Financial 's US bank account number is xxxxx. I've been receiving harassing calls from XXXX XXXX XXXX XXXX nonstop. Each day, I take several calls. On one particular occasion, I received three consecutive calls inside a minute. I'm not kidding, not even for a minute. which my rights under the Constitution are currently being violated. I'm specifically referring to the fair debt collection practice statute. By this firm, I am continuously being bothered. This type of calling is abusive and harassing.
Consumer complaint received 2023-02-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duncan Solutions, lnc. (GA)

PAM ( Professional Account Management , LLC ) XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX Claiming that I owe an unpaid toll violation in the amount of {$51.00}. I know that it is a scam because the license plate number does not match any vehicles that I own. Letter is very official looking with the following header... 

Date : XX/XX/2023 Re : Unpaid Toll Violation ( s ) Creditor : State Road and Tollway Authority PAM Account # : XXXX PAM Notice # : XXXX Toll Violation # : XXXX Amount Due : {$51.00}
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (IL)

Citibank offered to me as consideration a bonus valued at {$650.00} for signing up for their AT & T Access More credit card. More specifically, XXXX is to receive a {$650.00} statement credit on the purchase of a new cellular phone from the AT & T Company. In order to receive this statement credit, XXXX must take the following actions : ( XXXX ) Make {$2000.00} in purchases within three months of account opening. ( XXXX ) Buy a new phone from AT & T using a unique phone offer link that is provided on the cardholders online account homepage. ( XXXX ) Maintain service with AT & T for at least 15 days. ( XXXX ) Pay a {$95.00} annual fee. 

I made a good faith effort to satisfy all of the above conditions. There was a computer issue on part of Citibank and AT & T that prevented me from satisfying conditions XXXX and XXXX of the Citibank 's offer. Specifically, when I attempted to purchase a phone and sign up for AT & T using the offer link that Citibank provided, AT & T rejected my order on grounds that it could not verify some information regarding my identity that they obtained from a credit bureau ( I made no mistake in submitting my correct information ). Additionally, AT & T made no attempt clear the confusion it was having in regards to the discrepancy in the information that it received from the credit bureau that it deals with ( i.e. requesting a copy of my driver 's license and a utility bill ). 

I XXXX contacted AT & T to get them to reprocess the order. The representative that I spoke to stated that it is AT & T 's policy to refuse to reprocess any cancelled orders made online. Furthermore, he stated that my best option is to visit an AT & T store in-person and purchase a phone in-store. This route would be seamless. However, buying the phone in-store does not coincide with Citibank 's offer. 

I figured that the best way to remedy the situation was to go back to Citibank 's webpage and enter a new order, this this time in close correspondence with AT & T to make sure there is no confusion regarding to information about my identity. Only now, the offer link had disappeared from Citibank 's webpage. 

I contacted Citibank. The supervisor that I spoke with there, named XXXX XXXX XXXX XXXX XXXX, stated that Citibank 's computer system had no way of regenerating an offer link for me to use and that Citibank would not grant me the statement credit if I were to purchase a phone in-person. 

Overall, the problem is that Citibank designed a poor platform and has poor cooperation with is partner AT & T. It refuses to take any reasonable course of action to resolve the issues. I would be happy to buy a phone in-store and submit to Citibank proof of my purchase. Purchasing a phone via this route does not change Citibank 's economic stance in any way. Instead, I 'm left not knowing what to do, and Citibank is now better off economically by {$650.00}.
Consumer complaint received 2023-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (IL)

Last year I got scammed. I was trying to sell my shoes on online platform and scammer counterfeit to buy a shoes. They asked for my name, address, and phone number so they can send the check to my address. I gave all that information to them, until I realized it is a scam. I filed a complaint immediately with the federal trade commission. XX/XX/2023, Credit Collection Services sent a letter to me, saying that I owe XXXX XXXX XXXX XXXX XXXX I don't even know the company. I just opened a mail from Credit Collection yesterday because I moved out for my college and my mom comes to visit me on my birthday so my mom brought the letter to me. I don't know what to do. I don't want this to be affect on my credit.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

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.

XXXX XXXX Acct # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX 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 2023-02-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp. (IA)

Not access to my account. 
When trying to access my account they informed that username/password was invalid. 
After reseting the information still not access, tried to reach out cx service but since I didn't have a case number wasn't able to connect with operator. I was referred to the website where there was no other solution than reset the password. I'm going in circles not able to accessing my account and no solution or answer has been provided by Worldremit Corp .
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Other — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

I received a phone call advising that Portfolio Recovery was the XXXX party collector for XXXX which issued a credit card in the name of XXXX XXXX. I sent Portfolio Recovery a Cease and Desist Letter on XXXX/XXXX/15 and the US Postal Service showed it was received and signed for at XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 I received a call from Portfolio Recovery. I attempted to explain the above and that Portfolio Recovery was violating the Fair Debt Collection Practices Act. I was met with a belligerant response that they did not have any such letter on file and there was heavy insinuation that I was lying. I attempted to give proof of the letter and their receipt and the employee was not interested in hearing any of it. I attempted many times to give the employee information that would prove the letter was sent and received including ; copies of the letter and a printed confirmation screen showing their receipt of the letter. During each of these attempts the employee stated, " you can keep repeating yourself and it wo n't matter. ''
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NC)

The American Express XXXX XXXX Preferred Card was issued by mail and I did not receive the card. I contacted American Express, advised that I did not receive the card. American Express notified me that they would ship a replacement card via XXXX XXXX Delivery. I did not receive the card. The card was allegedly shipped by for XXXX delivery several more times over the next two weeks. I finally received the card more than a month after I was initially told that I would receive the card. I was contacted by American Express Card Member Services and was advised that I would receive either XXXX points and XXXX credit for the problems with the delivery of the card. I later determined that was a confusing promise by Amex, as the XXXX XXXX Rewards card accumulates a cash credit and not point credits. I never received the XXXX credit or the XXXX point equivalent as promised. When I called Amex Customer Service there were no notes in their system regarding the previous conversations or the issues with the delivery of the card. I was a previous Amex cardholder through XXXX for years and I have come to expect a certain level of customer service from American Express. I am embarrassed that my customer service experience through American Express has not been as pleasurable as my American Express Customer Service experience through XXXX.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-20
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: LEXISNEXIS (IL)

Lexis Nexis is still reporting a bankruptcy on my report in which I have never filed a bankruptcy. The courts said they do not furnish that information to the credit bureaus. Lexis Nexis has my ID and SSN and they are still reporting based on name and address only.
Consumer complaint received 2015-10-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company has a judgment on a credit account that they bought from XXXX of my creditors. In addition, I have not given them any personal information about me. However, they have won a judgment against me and I understand that. But I have never given them any information about me and they have been able to obtain a legal order allowing them to contact my past and previous employers to garnish my wages. I am currently in the process of filing a head of household exemption but I 'm a little uneasy knowing that creditors are allowed to violate my privacy and utilize the court system to seek my personal information. Again, this is a third party collection agency who bought my account from my original creditor. I plan on taking this a little further. The agencies name is Portfolio Recovery Associates , LLC. My new employer was served with a writ ordering them the provide my information. This could of resulted in ramifications to me and my lively hood.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (FL)

American Express advertised on the internet if I applied for their gold credit card and was approved, I would receive XXXX points if I spent {$2000.00} within three months. I adhered to this program. but was told that I had a gold card 3 years ago and therefore was not eligible. There was nothing on the original advertisement that would exclude me on this offer, except if you read the fine print it does say " you may not be eligible if you had another card. I can understand that they would exclude me, but why did they wait until I spent over {$2400.00} to let me know of this procedure. I believe they should have disclosed to me this information at the time of approval, or at least when I received the card. I have sent many letters to other agencies, as well as the better business bureau, and have not received any additional guidance. I recently received a letter from AMEX that stated that their " research has confirmed that these terms were presented to and accepted by me during my online process '' This statement is ludicrous, why would I write so many letters to correct the situation. I certainly would not have pursued this if I had known upfront. I firmly believe they should honor their initial offering and I will pursue via letters and correspondence to other agencies if necessary. Thank You XXXX XXXX XXXX.
Consumer complaint received 2015-06-18
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

Well I sent money to my husband in XXXX and the person that we use to pick up the money never got to pick it up someone else made a Fraud ID and picked it up the cops were called into the picture. I have documents to show that it was improper of that bank to even accept this like it is.