davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Payday loan — 
Issue: Can't contact lender — 
Company: MNE Services, Inc (IL)

I have been receiving harassing phone call reguarding filing a law suite against me for a PAYDAY LOAN. EVERY YEAR AROUND THIS TIME I START TO GET PHONE CALL THAT EVENTUALLY STOP. THIS YEAR THE PHONE CALL HAVE STARTED AGAIN AND HAS ESCULATED TO CALLING MY JOB WHICH I ASKED THEM TO NOT CALL MY JOB AND REMOVE MY NUMBER FROM THEIR REGISTER. I received a phone call at home from Compliant management solutions ref # XXXX at XXXX they caught me off guard and I gave them my debit card number to pay {$50.00} and they want to set up payment for XXXX/mo for 6 months. I went to the bank XXXX/XXXX/XXXX and cancelled that bank card because I realized that they were trying to scam me and I never took out a payday loan but once in XXXX for {$300.00} that I paid {$550.00} on XXXX XXXX XXXX to the attention of XXXX XXXX and XXXX XXXX who stated he was an attorney at XXXX after I had already paid the loan back through direct debit from my account. Since then I keep getting these same phone calls every year. 
XXXX XXXX XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$410.00}
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2022-12-09
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 XXXX XXXX performed a full credit report and I notice a couple fraudulent accounts reporting on my credit report.I never did business with any of these companies and I also noticed wrong addresses I never resided.I also received information it was data breach and my information was found on XXXX XXXXXXXX XXXX  images are attached. Identity report are also attached. The accounts that are fraudulent are 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
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

XXXX : This issue still has not been resolved to any reasonable end. Citi has continued to issue responses placating my previous complaints, offering no further proof that I proactively enrolled in the Payment Safeguard program, instead insisting that the statements issued over the lifetime of the account were authorization enough. Of course this is absurd, as if to say continued abuse of the relationship is permissible so long as it goes undetected. Consequently, I maintain my current position that Citi 's responses thus far have been nothing more than boilerplate and the issue remains unresolved. 

XXXX ( Background ) : Citi 's response to my complaint lodged through the CFPB is their latest attempt to further placate me. They've provided no additional evidence that would prove I willingly enrolled in the Payment Safeguard program, only suggesting that my activation of the card was consent enough. What's more, they included a veiled threat to alert ratings agencies of any delinquent payment activity due to the dispute, despite the fact that my account is in good standing. This was a boilerplate response that aims to dissuade me from any further action. 

XXXX ( Background ) : I've been a Citibank credit card account holder since XXXX, and it recently came to my attention that I'd been enrolled in their " Payment Safeguard '' program unbeknownst to me. This is a program that, to the best of my knowledge, I've never agreed to participate in, but have nonetheless been subject to, exposing me to years of monthly fees totaling in the thousands. Over the past months I've contacted Citibank on numerous occasions requesting proof that I willingly enrolled in the " Payment Safeguard '' program. In each instance no such proof could be relayed by phone, only a promise to share such details by mail. I've since received two identical letters ( one of which I'm including in this complaint ) suggesting that I enrolled in the program XXXX XXXX XXXX  with no evidence to support my authorization ( something that was promised when speaking to Citibank representatives by phone ). What's more, when speaking with Citibank representatives I was assured this was a program I would have had to proactively enroll in, suggesting that such proof of consent exists. Still, no details have been offered. As far as I can tell Citibank fraudulently enrolled me in their " Payment Safeguard '' program, collecting monthly fees I never authorized and has placated me in all attempts to refund said monies.
Consumer complaint received 2023-04-15
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. (IL)

In accordance with the Fair Credit Reporting Act " XXXXXXXX XXXX  '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I am a victim of identity theft All of my information was exposed in an XXXX Data Breach.This terrible crime has affected my bank accounts and other very important things that ruins lives.I advised this company ( Toyota Financial Services ) of this and sent proof of the XXXX breach they did nothing at all and im also suffering from the Death of my mother.I asked if there was hardship available for customers and they denied having anything available to assist with a XXXX balance.I had been a customer since XXXX XXXX  until XXXX XXXX.I received condolences of the passing of my mother but no resolution.This company also advised me of their system being behind in reporting payments which caused errors in reporting to my credit as well.
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (LA)

Experian refuses to block fraudulent accounts even though they were once blocked!! I have sent in numerous supporting documents over the last several years showing these account are indeed fraudulent!!! Tha following accounts are fraud and Experian has once blocked them and now refuses to do anything!! 
1.XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX this account has not even been updated or anything reported on it since XX/XX/XXXX so im not sure why there not blocking it!! 

2.XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.
Consumer complaint received 2024-03-29
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION Report # XXXX XXXX XXXX XXXX, is listing XXXX Account ( s ) with negative and derogatory information on my credit report, I am requesting the below listed account be deleted immediately! And removed from my credit report. And opt-out all together from reporting. 
All accounts listed as XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2023-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (NC)

All transsation from XXXX are being denied by truist bank. I have went to the branch office and sat for XXXX hourd to try a correct this problem. Now any transcartion online is denied without explanation. This undeserved action by truist bank is affecting my credit rating..This action by truist bank is highly undesirable banking practice. I am afraired of -what =next with this bank. I hace tried their corp office. I got an very poor and unproffessional response/ I have no where else to turn Your help is deeply apreciated Thank you, XXXX XXXX
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payfare International Inc. (OK)

My payfare XXXX XXXX XXXX through XXXX XXXX  stopped working... .I called them from a gas station where my card would not work at the pump ... in the store... or at the atm... .I called XXXX XXXX..they verify it's me... they transfer the call to XXXX XXXX... on hol 45 minutes ... they hang uo ... .multiple times ... .I know they get my calls because they send me emails... XXXX... to be exact... I've responded to them all ... still card does not work ... .I was left stranded over Nighy ywo nights two days because I could not even put in gas ... ..this has happened multiple times..once in XXXX and it took 30 days to get it fixed and I lost my apartment because of it ... I hadd to move ... because I could not access my money ... ..they fixed it ... 3 months later they screwed it up again same thing... so ... this is the third time this card has put my life at risk sleeping in my car at a gas station because this card doesn't work ... .a police officer came to help me... I called to see of I should file a complaint ... he told me about you. Gave me the info and he even pulled XXXX dollars of his personal money put to help me after reading the emails and seeing the calls... I even called XXXX while officer was there he heard the whole conversation and said I need to make a complaint ... .it 's violating me in XXXX different ways in regards to federal law ... I feel like I've been discriminated against I feel like I've been robbed... abandoned ... and they did nothing knowing my XXXX  needed me..I jad to pay XXXX extra to my baby sitter because of getting left at the gas station all night ... ..that was last week ...... well... today it happens again ... card doesn't work... I jave money I earned and they will not give it to me after o er XXXX  emails and XXXX  phone calls ... ..they basically used my car my gas putting my life at risk and took my money and refused to help me by fixing my card ... ..it has to be a refusal because they could've fixed this day one... .the refused..or didnt ... either way it has cost me alot and all because they don't have customer service at all ... .I want my money..I want to sue them in federal court for my money plus the expenses and trauma it has cost my family... this is absolutely horrible situation nobody should have to go througb ... I work hard ... ..this is not fair. It XXXX XXXX XXXX XXXX XXXX to know people will use me this way.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION (GA)

On Wednesday XX/XX/XXXX the included background check result was emailed to me by XXXX XXXX, whom is a First Advantage Customer Care Representative - SR # - XXXX. On the 6th page of the attached report, the " Score Result '' is listed as Decisional. Meaning, XXXX 's XXXX XXXX was deemed responsible to make a decision of if I am eligible for hire at the XXXX, Georgia XXXX Fulfillment Center located at XXXX XXXX XXXX XXXX. After speaking with numerous amounts of customer care representatives both at XXXX and First Advantage, I discovered I was discriminated against. I was informed I was ineligible for hire due to my background check results. Zero or none of the charges pending under the First Offender 's Act law was subject to the " disqualify a person in any employment application as provided in O.C.G.A. 42-8-63-1 ''. In other words the charges against me were not of a XXXX, child/elderly abuse offense, or to become a peace officer nature. Review the attached First Offender Act Clause provided to me by my Attorney in XXXX, XXXX
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

I purchased a flight using our American Express credit card. When purchasing the flight I made sure I purchased a flexible ticket and " Travel Guard Protection ''. 

Due to XXXX, I had to cancel the flight and I got a travel credit directly with American Express Travel to use for XXXX XXXX XXXX 

When I purchased the original ticket and cancelled, never was mentioned that the Airline credit I was going to receive would be restricted to the same travel of the orginal ticket. In my case, the original ticket is from XXXX to XXXX ~ now I am being forced to use the credit for the same ( XXXX to XXXX ). These terms and conditions were never mentioned until I just tried recently to schedule a new flight with our credits. 

I contacted XXXX XXXX and they made me aware that because I purchased a flexible ticket I can use the credit for any origin/destination. However, American Express Travel, the " owners '' of the ticket/credit, their system does not allow them to make a flight purchase when the origin is not the same.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (CA)

I was provided the 10 day payoff amount and paid in full on XX/XX/2023 in the amount of {$6400.00} and cleared my bank account on XX/XX/2023. Now they are trying to get another day of interest of out me and not reporting my account paid in full.
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

Subject : Complaint regarding American Express account closure and denial of refund for annual fee Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express regarding the denial of my request for a refund of the {$690.00} annual fee. I believe that these actions are unjust and require your intervention to ensure a fair resolution. 

On XX/XX/XXXX I opened an account with American Express, expecting a satisfactory level of service and transparency. However, after only a few months, they closed my account. 

I was charged an annual fee of {$690.00} at the time of opening the account. 
Given that I had not even had the opportunity to utilize the benefits and services associated with the card for a full year, it is only fair to request a refund of the annual fee. 

Despite my formal request, American Express has denied my refund without providing any reason for their decision. 

The actions taken by American Express have left me feeling misled and frustrated as a consumer. I believe that their actions are in violation of fair business practices and consumer rights. Therefore, I kindly request your assistance in thoroughly investigating this matter and ensuring a just resolution. 


I trust that the Consumer Financial Protection Bureau will take my complaint seriously and address this matter promptly. I seek a fair resolution that upholds consumer rights and holds American Express accountable for their actions. 

Thank you for your attention to this complaint. I eagerly await your response and appreciate your efforts to protect consumers ' interests. 

Sincerely, XXXX
Consumer complaint received 2023-05-29
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: World Acceptance Corporation (GA)

I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Consumer complaint received 2022-11-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

FOR THE PAST FEW MONTHS I HAVE BEEN TRYING TO GET XXXX OF XXXX XXXX BUT I HAVE NOT HAD ANY RESPONSES. I SENT MULITPLE DISPUTES AND GOODWILL REQUEST BUT HAVE HEARD FROM NO ONE. 

I REGULARLY MAIL MY PAYMENTS TO XXXX XXXXXXXX. ON A XXXX OFF SITUATION, MY CHECK WAS STOLEN AT THE XXXX XXXX THEREFORE CAUSING MY ACCOUNT WITH XXXX TO BE LATE. AS SOON AS I FOUND OUT, I SATISFIED MY OBLIGATION. AS YOU CAN SEE, THIS IS COMPLETELY OUT OF MY CONTROL AND I AM ASKING WITH HUMILITY THAT MY LATE PAYMENT WITH XXXX  BE RECALLED AS A RESULT OF FRAUD/THEFT. 

I HAVE ATTACHED MY LETTER I SENT TO XXXX BEFORE AND ALSO INCLUDING A POLICE REPORT I FILED ABOUT THE CHECK THEFT. PLEASE HELP WITH INVESITGATING THIS ISSUE AND RECALLING THE LATE PAYMENT.
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX