davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/20 XXXX XXXX, after attempting to log on to my American Express Blue Bird Account, I recieved an email from XXXX, signed by " The Bluebird Team '' .The email stated " your Account privileges have been permantly suspended. " The Blue Bird Team '' would not allow me to email questions, to talk to customer service or communicate my horror of being cut off from my life savings, social security direct deposit, and all other very important financial tools.I am a XXXX vet, retired American citizen, payed taxes, worked all my life to accumulate approx {$65000.00} in this Account.I used account for more than 4 years.I have all XXXX proof of Social Securiy direct deposits, personal deposits and Blue email acknowlegement of all transactions.The Blue Bird Team stated in the email that I could " inquire further '' by writing to Blue Bird Customer Care, XXXX. XXXX  XXXX, XXXX, Ga.I sent requested inquiry by USPS registered mail on XX/XX/20 XXXX XXXX XXXX XXXX, the letter was recieved and signed for, confirmed by USPS Tracking.It is now XXXX desperately need my money, and am not getting any answers from American Express Bluebird. This situation is causing great financial harm, and emotional distress to myself, and other family dependent on me.I have been told that the United States Consumer Financial Protection Burea could help me with this critical issue.I am filing this complaint as a result, prior to consulting appropriate attorney and legal remedies.I am consenting to CFPB to publish this description on consumerfinance.gov, so that others can learn from my experiance
Consumer complaint received 2022-05-05
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: SLM CORPORATION (NC)

In accordance with the fair credit reporting act XXXX  account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Received notification from the credit agency that is monitoring my credit ( XXXX XXXX  ) informing me that my MACY credit card was closed, when reaching out to MACY customer service was inform that they closed account without informing consumer?! no email/text or regular mail notification ; i ask is this a fair practice?! as per manager XXXX when contacted XX/XX/21, which she sounded cold and no empathy ( given that FACT i've been effected by the covid situation this past year-which XXXXe way or other effected my credit score ) about the situation of account being closed..

during conversation manager did not give any explanation just stated " we could do what we want as a company '' without no obtions or alternatives, kept stating i signed a contract which states they could cancel account whenever they want ....?! 

please advise and assist in this situation ... 
thank you..
Consumer complaint received 2020-04-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC (NV)

This complaint relates to Flagship Credit Acceptance ( referred to as " the Company ''  below ) is twofold : 1. The first part relates to the company 's conduct at routine times when a payment is late, where the company employs dialers and repeatedly calls consumers to attempt collection of debt even if they are on a no call list and have opted out of such communications. They justify this by forcing an " acceptance '' to such communications at the time of speaking to a representative by placing the " acceptance '' as a condition to having a conversation with the representative essentially preventing customers from resolving such issues while exposing them to the added stress of repeated calls if not addressed. For a customer who suffers from XXXX this isa serious issue with no resolution. 
2. The second part relates to the company 's conduct during this COVID-19 crisis. As a self employed individual who has always made sure to make my payments on loans despite having gone through medical and financial hardships, I reached out to the company for a deferral of the payment for XXXX. Their response was ( unlike other financial companies who sincerely try to assist customers during this time ) having the agent on the phone play a recorded message explaining that such a deferral ( if approved ) will result in additional interest and fees ( essentially no different from simply paying 30 days late and suffering the consequences ). Separately, the company refused to even put in a request for such a deferral as I wouldn't provide them with an additional contact person they can call in the event that I miss a payment - despite my explaining that I have no one for them to call, I live alone with family overseas. 

Important to state is that this company has been charging an aggressive interest rate of almost 20 % for my car to begin with. In short - Flagship Credit Acceptance takes cynical advantage of their customers - especially during such challenging times and refuses to genuinely provide assistance - even to loyal, paying customers such as myself - who are self employed, alone and without other options. 

I sincerely appreciate your assistance.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Account XXXX is over the 7 year mark for reporting, as a consumer i have the right to dispute information passed the 7 year reporting mark. This debt is a zombie debt and the credit bureaus keep trying to sneak more months onto the term. I have proof in emails where my FINAL payment was made and the final payment was over 7 years ago. So please remove this old zombie debt.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (GA)

Upon receipt of my XXXX Credit report, I discovered a Fraudulent account that was open at Discover Bank ( acct # XXXX XXXX without my knowledge or authorization. This Account was opened as a result of identity theft. Ive subsequently filed a local police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at Discover Bank of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION on my XXXX  Credit Report.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (IL)

I received a XXXX in the amount of {$100000.00} from PayPal on Thursday XX/XX/XXXX that is a fraud account that someone used my name to open The Theft was by someone opening a PayPal account in my name in or around XX/XX/XXXX and I found out about it when I received a XXXX from PayPal with the amount that showed {$100000.00} had been alleged paid to me over a 2 month span in XXXX and XXXX of XXXX, I promptly called PayPal and turned it in as fraud! On Thursday XX/XX/XXXX. 
I also called PayPal on or about XXXX and filled out a FTC XXXX report on XX/XX/XXXX and sent a letter to PayPal with no response and called again on or about XX/XX/XXXX with them saying they couldnt find the account number, the company has not responded to me to date .I have filled out a police report on XX/XX/XXXX with my local police and my CPA says it needs reported by PayPal XXXX the FBI XXXX just need a corrected XXXX sent to me and the IRS XXXX XXXX filled in XXXX am a XXXX XXXX XXXX retired on RR XXXX and this can bankrupt me, they used my SS number apparently allowed by PayPal to XXXX this account with no credit check .please be aware of PayPals lack of security!
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

In XX/XX/XXXX This company listed that i owed them {$550.00} on my credit report. I received no prior letter or information of this debt. After seeing this debt on the account I sent them 2 letters to verify this debt, one in XX/XX/XXXXand 1 inXX/XX/XXXX and have yet to receive a response. I looked them up on sun biz in my local state ( Florida ) and was not able to find any information on them, they are not even licensed to collect debt in the state of Florida, I looked under names, their address listed and dba 's and could find nothing on them. Calls to the number on my credit report go unanswered, i have had no correspondence with this company at all.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (TN)

XXXX  continues to report inaccurate information, bad phone numbers and reporting an account ten years old. ( American Honda Financial ), I have sent certified documents to XXXX XXXX and have receive no response and lastly XXXX XXXX is reporting a 30 day late that is inaccurate.
Consumer complaint received 2023-01-06
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX {$37000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Updated I.C. SYSTEM, INC Account XXXX I've disputed this debt and yet it keeps coming back it's mine. The debt itself is for medical services. I have now and had at time of the noted debt insurance which I already sent documentation of. My insurance is provided by XXXX and I have no share of cost. I didn't visit any emergency treatment on the date in question, and if I had I would have used my insurance benefits. I have 3 of these on my account so.c system XXXX XXXX ( which I never heard of nor is there one in my city of residence ) and the last one isn't mine. I want these off my credit report. If you need copies of my insurance for the dates these were all established on please let me know so I can submit more.
Consumer complaint received 2023-12-18
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: Experian Information Solutions Inc. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$22000.00}.
Consumer complaint received 2020-04-08
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. (TN)

Experian continues to report inaccurate information, bad phone numbers and reporting an account ten years old. ( XXXX XXXX XXXX ), I have sent certified documents to XXXX XXXX and have receive no response and lastly XXXX XXXX is reporting a 30 day late that is inaccurate.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

I humbly ask for you to investigate my beliefs that I have fallen victim to predatory lending practices in the mortgage and housing industry with my home of almost 14 years. I believe XXXX Bank and their agents have used predatory, unlawful business practices with my mortgage since the pass through certificate was issued in 2007, per the settlement agreement between the US DOJ and XXXX XXXX in connection with its sale of residential mortgage backed securities. 
For the past decade the ebb and flow of the rebuked harassment of these known criminals and their various agents driving by, calling and posting notices has been unbearable, causing me harm and housing insecurity that has greatly, negatively impacted my life, psychologically, personally, physically and financially. In my research and education gained throughout this process, I learned that I have been labeled a securitized finance product. Please help me and others like me to be protected against foreign predatory financial institutions and all of their agents acting on their behalf, to secure our right to life, liberty and the pursuit of happiness. This whole process has left me feeling helpless and misguided.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7300.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-20
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 ()

Paypal got my funds amounting to {$71.00}. They say that I can withdraw it after 180 days, but my balance is now {$0.00}. They withdrew it ( Paypal ) already.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (CA)

On or about XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX. At that time I was driving and had others in my vehicle who could hear my conversation. The representative of XXXX stated the call was an attempt to collect a debt. I interrupted him and tried to explain it was a really bad time and if I could return his call at a later time, he cut me off and stated that the account was not pending litigation. Before he could finish I ended the call. 

Later that day, I called the number back and the representative asked how did I hear about them, told him about the call I received earlier. I also complained to him about the previous call. I then explained to him about my dire situation in XXXX ( when I had to stop making payments ). Explained that I recently had major XXXX and have been recovering past two months. He wanted me to commit to making a payment and I explained I could not commit what I do not have. I further explained my financial hardships, especially now with the shutdown due to the Pandemic. He repeatedly stated if we could not come to an agreement, he could not guarantee the debt will not be turned over to the attorney for litigation. He then questioned me whether I wanted to take care of my bill or not ; whether i wanted to fix my credit. I informed him that they were really inconsiderate calling and making threats during this Pandemic we are going through. I then informed him to cease calling my phone and to contact me through US Mail only. He then asked why and if I wanted to make an arrangement to avoid litigation. I informed him that I needed to seek legal advice so I could know what my rights are. The representative started asking me again if I wanted to avoid litigation and improve my credit. I ended the phone call. The following day, I received a XXXX package with a letter demanding payment or for me to make payment arrangements. 
All I asked for was time to figure out how I will handle this debt given my current financial hardships.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I didnt apply or give written consent for these accounts. They are violating my consumer rights and causing defamation of character and my public appearance. 

These accounts are a violation under 15 USC 1681b. In accordance to 15 USC1681c-1 and 15 USC 1681c-2 these accounts are identity theft and need to be deleted from my consumer report. SEE ATTACHMENTS
Consumer complaint received 2023-02-18
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. (IN)

I received a notification from my credit reporting tool that on XX/XX/23 with a social security number fraud alert informed me that it was used associate with an address where I never lived nor has been associated with before. The address is XXXX XXXX XXXX, XXXX GA XXXX.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

On or about XX/XX/XXXX, I received a phone call from Midland Credit Management. At that time I was driving and had others in my vehicle who could hear my conversation. The representative of Midland stated the call was an attempt to collect a debt. I interrupted him and tried to explain it was a really bad time and if I could return his call at a later time, he cut me off and stated that the account was not pending litigation. Before he could finish I ended the call. 

Later that day, I called the number back and the representative asked how did I hear about them, told him about the call I received earlier. I also complained to him about the previous call. I then explained to him about my dire situation in XXXX ( when I had to stop making payments ).  Explained that I recently had major XXXX and have been recovering past XXXX months. He wanted me to commit to making a payment and I explained I could not commit what I do not have. I further explained my financial hardships, especially now with the shutdown due to the Pandemic. He repeatedly stated if we could not come to an agreement, he could not guarantee the debt will not be turned over to the attorney for litigation. He then questioned me whether I wanted to take care of my bill or not ; whether i wanted to fix my credit. I informed him that they were really inconsiderate calling and making threats during this Pandemic we are going through. I then informed him to cease calling my phone and to contact me through US Mail only. He then asked why and if I wanted to make an arrangement to avoid litigation. I informed him that I needed to seek legal advice so I could know what my rights are. The representative started asking me again if I wanted to avoid litigation and improve my credit. I ended the phone call. The following day, I received a XXXX package with a letter demanding payment or for me to make payment arrangements. 
All I asked for was time to figure out how I will handle this debt given my current financial hardships.
Consumer complaint received 2024-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I am trying to get public service loan forgiveness. My loans have different qualifying payment numbers, which doesn't make sense because I have been paying them all at the same time. I have emailed them, called them, and been unable to contact them. The one time I got an agent on the phone he hung up mid call after over an hour on hold. 

This is MOHELA.
Consumer complaint received 2023-05-14
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. (TX)

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 2020-04-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NJ)

On XX/XX/2020 at fraudulent transaction of {$2000.00} was charged to my direct express debit card by a company called XXXX XXXX in XXXX, ny. I have never heard or dealt with this company prior. I am in XXXX  in XXXX  for health issues. I tried called direct express XXXX numerous times and can't get through, also sent several emails, with no response back.