davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (UT)

I am being contacted by XXXX XXXX who is a debt collector. They are saying that I owe a certain debt from American Express. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX  is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. This is not the first complaint I have filed- XXXX does not change their tactics and I am still having the same issue. **The CFPB has not helped either even though this has not been resolved.
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I have been attempting to close my account with PayPal for several months. Their system is broken and is not functioning as it used to.Their 100 % automated system will not allow me to access my money nor transfer my money. I've been through automated XXXX with them. I've followed all their prompts to mnno avil countless times and their only response ( automated, of course ) is to run me back through their useless system ad nauseam. I've called all their numbers and played their game. There is no possibility of speaking to anyone who can help. 
This has caused me a greatdeal of frustration and stress forthelast five months. 
I hope you can help me with this. 
XXXX Thanks. 
XXXX XXXX, XXXX
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (MI)

Dear Sir/Madam, I am writing to dispute an account that is showing up on my credit report and is negatively impacting my XXXX XXXX. The account in question belongs to Credit Corp Solutions and has an outstanding balance of XXXX. However, I have no recollection of ever opening an account with this creditor, and I believe that this account has been erroneously reported to the credit bureaus. 

I suspect that this account may have been opened fraudulently or mistakenly assigned to me. As you may be aware, there was a recent data breach at XXXX, and my personal information may have been compromised. I have reason to believe that this account is a result of identity theft or fraud, and I request that the creditor provide proof of the account 's validity and my responsibility for it. 

Furthermore, I have not been contacted by the creditor or any collection agency regarding this account. As per the Fair Debt Collection Practices Act, I have a right to be informed of any debt collection attempts made against me, and failure to do so is a violation of my rights. 

Lastly, I request that this account be removed from my credit report immediately as it is negatively impacting my XXXX XXXX. This negative reporting is unjustified and unfair, and I have worked hard to maintain a good credit history. 

I respectfully request that you investigate this matter and take the necessary steps to rectify this error. Thank you for your attention to this matter. 

Sincerely, [ Your Name ]
Consumer complaint received 2020-08-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LCO Financial Services, LLC (AZ)

Have a high interest temporary loan with a company that insists on taking fees and not letting me pay on the principal citing procedures that must be followed in an exact order in order to pay anything extra I want to pay this loan off as soon as possible but they seem to want to try to extend it as long as possible
Consumer complaint received 2020-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

I have my son 's XXXX XXXX medical bill from XXXX XX/XX/XXXX amount XXXX . XXXX was born XXXX XX/XX/XXXX. This bill was paid insurance company " XXXX XXXX '' claim number XXXX. But collections agency " AR Resources inn '' trying to collect the debt from me again.I contacted the " AR Resources inn '' several times and explained that the debt was paid.
Consumer complaint received 2020-08-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX, I requested XXXX XXXX to remove or expunge from my credit report after dealing with a legitimate payment dispute that took over 2 years and 2 of your collection agencies to resolve. My account should have not been finalized in collection in that I paid my lease off in full, 13 months ahead of the term. This bad collection mark is not a fair representation of my credit worthiness but an error on the part of XXXX. In short, I did not get the final statement until 15 months after the lease was paid off, XX/XX/XXXX. This final statement started the dispute with the demand for the additional months payment plus the disposition charge. Shortly after the final bill, I started to get collection notices from 2 agencies, XXXX XXXX XXXX then XXXX. According to your records, as reported by the collection agencies, I was charged for an additional month indicating I kept the car a month after the lease expired which was clearly not the case. I provided the collection agency the lessee odometer disclosure statement that verified when the car was dropped off, which was XX/XX/XXXX ( 13 months early ), along with the final payoff check for {$6300.00} ( an amount provided by XXXX to finalize the lease ). It was finally determined, I only owed {$350.00} for the disposition charge, which I kept telling the collection agencies I was willing to pay. All of the back and forth took more than a year, which was clearly a waste of time and effort for only {$350.00} and a bad record on my credit history. I could have easily paid {$350.00}, at the same time I turned the car in, but was aware of it until I receive a statement more than a year later. But their insistence to get more money from me just prolonged the time of the dispute. Therefore, I am asking for your professional attention to review all communication and documentation over the 2 year disputed period to give me some favor to remove this bad mark off my credit report as soon as possible. It is the only blemish on my perfect credit payment history. 

Thanks in advance.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Self Financial Inc. (WI)

I have a DISMISSED Bankruptcy listed on my XXXX and XXXX credit report that is NOT mine. I have attempted to go thru the FTC with paperwork I was told to send in to have this item removed. It has NOT worked. Please remove from these bureaus asap. Thank you
Consumer complaint received 2020-08-03
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. (CA)

2nd Complaint - ID FOR COMPLAINT SENT TO EQUIFAX XXXX I requested my free annual credit report from Equifax and the company has refused to provide it online, referring me to a written request. Subsequently my written request was not honored, since XXXX sent absurd, abusive, and inappropriate " identity verification '' demands to me in a refusal letter. 
Equifax is demanding proofs that are likely not to be obtainable by many reasonable persons, including demands that information given be from the last two months only. Other abusive and illogical demands Equifax is making are for very recent pay stubs when I have not worked for an employer who provides pay stubs for six months, a demand for an address from a state insurance card when California XXXX cards do not contain addresses, and a demand that utility bills be in one 's  name to establish identity proof ( Like millions of people. utilities at my residence are not in my name and I have only a pay-as-you-go telephone with no monthly statement. Further, bank statements do not include social security numbers, and I sublet from another person so there is no lease in my name.
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 status incorrect
Company: Experian Information Solutions Inc. (CA)

on XX/XX/XXXX I sent in a goodwill request for an adjustment on 1 late payment from XXXX of XXXX. XXXX XXXX did not honor my request which is fine however they then falsely added on another late payment stating it was from XXXX of XXXX. I believe they did this out of spite because I have been requesting a goodwill adjustment for months. This is inaccurate and I have the credit reports to prove this was not on my report 1 month ago.
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

Today ( XX/XX/2020 at about XXXX ) I spent 45 minutes filling out an electronic mortgage payment set of forms online with PennyMac LLC . At the final step I was notified that " oops '', there was a problem and I should re-apply again later. I called their 800 customer service line and was told that the web browser I use ( XXXX ) was not workable - the operator said the ONLY acceptable browser is XXXX XXXX. I do not want to be forced to download yet another browser to simply make their payment. This is discriminatory and at a minimum the company should inform me of the browser restriction BEFORE I spend 45 minutes filling out their online form. I suspect they are being paid to restrict access to one browser only. This is an unfair business practice. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (TX)

In XXXX of XXXX we completed the purchase of a previoly ordered new vehicle with XXXX XXXX  in XXXX Texas. During the transaction there were several items added to the loan which were then appropriately cancelled & agreed in writing to be returned within a 6-8 week time period directly to FORD CREDIT , the loan leinholder. I have followed up 6 times ( XXXX XXXX XXXX XXXX  Twice in XX/XX/XXXX, Twice in XXXX XXXX  ) with the dealer asking for verification of resolution and have not received a clear response nor resolution. 

Additonally, I communicated with FORD CREDIT ( lienholder ) several times and they have shared that for each pending item, they still seemed to be sitting with the dealer to appropriately remit payment to them so that my principal balance & interest being paid on that amount would reflect the ~ {$10000.00} reduction. I have paid ~ {$400.00} in additional interest not including additional taxes paid at the orginal XX/XX/XXXX purchase that have also not been accounted for. 

The items that have not been able to gain resoution are as follow : AFTER MARKET WARRANTY CANCELLATION : I provided in time cancellation of after market warranties in XX/XX/XXXX working with XXXX XXXX for the warranty cancellation. Warranty company has confirmed XXXX XXXX has yet to submit the payment to XXXX XXXX but they confired it was provided to their team in XX/XX/XXXX. ( {$3700.00} ) AFTERMARKET FEE REQUIREMENT : Regarding the mandatory aftermarket fee that was charged and could not be removed to close the deal on the purchase originated XX/XX/XXXX ( Delivered in XXXX XXXX ). The XXXX XXXX team agreed to remove and refund this {$3500.00} mandatory fee. Yet to be credited. ( {$3500.00} ) {$1000.00} overage of DEPOSIT CREDIT from XX/XX/XXXX down payment to reserve reservation. This was not applied to purchase price down payment and was said to be returned to use directly via mail or direct payment to FORD CREDIT loan balance. ( {$1000.00} ) DIFFERENCE FROM ORIGINAL CONTRACT PRICE agreed to be honored as Ford changed price 6 months after original ( XXXX XXXX ) order. Ford was to return return of ( ~ {$2500.00}, w/ tax included ) We were told they would be submitting payment for these items at the latest beginning of XX/XX/XXXX and FORD CREDIT has still not received these adjustments. 

XXXX XXXX credit to FORD CREDIT i calculate as : {$10000.00} plus any applicable taxes or finance charges.
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

DISCOVER FINANCIAL SERVICES IS MAKING ME LIABLE FOR CHARGES THAT WERE COMMITTED BY MY ROOMATE IN MY ABSENCE. I WAS NOT IN THE COUNTRY AT THE MOMENT WHEN THE CHARGES WERE MADE. I PROVIDED DISCOVER SUBSTANTIAL EVIDENCE TO PROVE THAT THE DEBT DOES NOT BELONG TO ME AND INDEED IT WAS DONE BY MY ROOMMATE AGAINST MY WILL OR ALLOWANCES. FOR THESE REPORTS I SWORE UNDER OATH THAT THE FORGOING IS CORRECT OR I CAN FACE CRIMINAL CHARGES. I WOULD NEVER LIE AND RISK MY PROFESSIONAL CAREER OVER BAD CREDIT OR FRAUD CREDIT CARD ACCOUNT. HAVING BAD CREDIT IS MUCH BETTER THAN BEING AN CRIMINAL AND NOT BEING ABLE TO WORK. AGAIN DISCOVER NEVER OBLIGED THAT MY DEBT WAS NOT DUE TO ME AND MY ROOMMATE HAS BEEN USING MY CARD FRAUDULENTLY FROM XXXX TO XX/XX/XXXX. 
I HAVE SEND DISCOVER FINANCIAL SERVICES NUMEROUS IDENTITY THEFT REPORTS, POLICE REPORTS AND EVERY-TIME I RECEIVE AN VAGUE RESPONSE THAT THE EVIDENCE IS NOT SUFFICIENT AND THEY REQUIRE MORE TO HELP ME WITH THE CASE. 
IN THE BEGINNING OF XXXX I FAXED OVER DISCOVER FINANCIAL SERVICES AN UPDATED POLICE REPORT FROM XXXX POLICE DEPARTMENT AND ALSO CALLED DISOVER FRAUD PROTECTION SERVICES AT XXXX. I WAS TOLD I WILL BE CONTACTED BY THE FRAUD INVESTIGATOR.I WAITED 2 WEEKS FOR THE REPORT TO BE UPDATED AND NOTHING OCCURRED. SO I CALLED BACK ON XX/XX/XXXX TO CONFIRM IF THEY HAVE RECEIVED THE NEW POLICE REPORT FROM XXXX POLICE DEPARTMENT AND ARREST REPORT BECAUSE MY ROOMATE WAS ARRESTED ON CRIMINAL CHARGES. AGAIN DISCOVER SAID THEY HAVE NOT RECIEVED THE FAXED DOCUMENTS, FOR WHICH I HAVE CONFIRMATION THAT IT WAS SENT TO THE RIGHT PHONE NUMBER. I FEEL LIKE DISCOVER FINANCIAL SERVICES IS BEING MANIPULATIVE AND NOT TRYING TO HELP. THIS IS CORPORATE GREED AND MAKING CUSTOMERS PAY EVEN THOUGH THEY HAVE BEEN VICTIM OF FRAUD. I SPOKE TO XXXX LAST TIME AND WAS TOLD TO FAX THE DOCUMENTS AGAIN, I TOLD HER " I DONT HAVE MONEY LEFT TO KEEP SENDING DOCUMENTS '' it does COST {$2.00} PER PAGE. 

DEAR FTC PLEASE HELP ME WITH THIS FRAUD CASE, DISCOVER IS NOT BEING COOPERATIVE AND THIER WORKERS ARE BEING MANIPULATIVE AGAINST ME. EVERY TIME I TRIED TO PROVIDE EVIDENCE, IT IS ALWAYS OVERLOOKED. PLEASE HELP ME I CAN NOT PAY FOR THIS FRAUD ACCOUNT, MY ROOMATE MADE THE CHARGES
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I am writing to formally request the immediate unfreezing of my credit report with Equifax, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605A ( c ), which grants consumers the right to request the lifting of a credit freeze. Currently, my credit report is frozen, preventing necessary verifications from being conducted on my credit history. I kindly request that you unfreeze my report so that authorized entities can access my credit history and perform the required reviews. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Opened a Citibank Business Checking Account with an advertised offer to deposit {$25000.00} into a new Business Checking account to receive {$700.00} after 60 days. I opened a new business checking account and deposited {$26000.00} on XX/XX/XXXX. XX/XX/XXXX should have been over 60 days but I never received the bonus. I called a Citibank XXXX in XXXX and was told to wait for it to post in a couple of weeks. It never posted. I went into the Citibank branch where I opened the account on XX/XX/XXXX and was told they would put in a request for the bonus and I should see it in 2 weeks. Two weeks later, still nothing. I then called the Citibank business line and spoke to a manager and explained the situation and they said they would put in a request and it should be in there in 2 weeks. It is now XXXX XXXX and the bonus has never been posted. Apparently this seems to be a common occurrence with Citibank. Had I known about this I would not have opened this account. Its extremely frustrating because not only is Citibank not doing what they are advertising, but even if they are " forced '' to give consumers the bonus they have rightly earned, there is no punishment and therefore no incentive for Citibank to change this apparent policy of not awarding banking bonuses as advertised ( meanwhile they get use of the customers and small business owner 's money for free for months! ) This egregious business practice should be punished.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I have redeemed the rewards from my shop your way credit card for a ereward gift card with a balance of {$20.00} on XX/XX/XXXX. The gift card consists of an email with an image of a credit card and a link to " redeem your gift card '' and no further contact information. When I click on " redeem your gift card '' the link forwards to XXXX XXXX XXXX and an error appears : " A system error has occurred. Please try again later. '' ( attached ) I reported this issue on XX/XX/XXXX and I obtained a reply on XX/XX/XXXX asking me to contact the phone number in the email they forwarded ( attached ). The email does not contain any phone number or form of contact. When I asked for a clarification the customer service sent me a duplicate of their previous email.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (RI)

XXXX XXXX on XX/XX/XXXX added a old debt that the original company knew it was reported as fraud they attached it to my credit profile as a debt collection I told them to remove the debt collection of XXXX of my report from a matrix master card