davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (TN)

not mine : FCRA violations : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-14
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. (TN)

not mine : FCRA violations : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (NJ)

On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Not too long ago, I received a collection letter from XXXX XXXX XXXX XXXX, trying to collect on an alleged debt with XXXX XXXX. I submitted a complaint thru CFPB and unfortunately all happened was that the account was transferred to a new collection name CREDIT CONTROL LLC. I recently have been receiving multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the above stated one.
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (NJ)

I have contacted the company ( Penn Credit Corp, XXXX, PA ) on more than one occasion attempting to pay the debt in full. Most recently on XX/XX/2021 and with email communications with their compliance team within the week of XX/XX/2021. I am wanting to pay the debt in full by the end of XX/XX/2021 with the stipulation that they first give me our agreement in writing stating that I will pay off the debt in full by the end of XX/XX/2021 and they will then provide me with a Paid in Full letter and report the debt as such to the credit bureaus. 

The representative I spoke to on the phone on XX/XX/2021 assured me, after speaking to her supervisor, that the Penn Credit compliance team would provide me with the agreement in writing via email and also by a letter in the mail so the debt could be paid off. After emailing with XXXX from their compliance team, Penn Credit is refusing to give me our payment agreement in writing. 

After speaking to legal counsel, they suggested I file this complaint for their refusal to provide me with an agreement in writing. If they can not put the agreement in writing, I am suspect that there is even an agreement at all.
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

Originally I contacted XXXX from AWA Collections phone number ( XXXX ) XXXX on XX/XX/2022 regarding a debt that although I did not agree I owed, It was my word against the company basically. I just wanted it off my report and was willing to pay it if I had to. The issue is that I read several complaints about them taking clients money, but never reporting the payoff to the agencies, so I asked for our agreement in writing. He did not want to provide that. Basically told me I have to just trust them.. 

The other issue arises when I checked my credit report today. They have already sent me a letter stating the debt is {$270.00}, but on XXXX is showing as {$280.00}, and XXXX shows {$280.00}. A couple of days ago I received an alert from XXXX. What AWA has been doing is adding {$1.00} per month to keep increasing it. I was never notified of any of this, and never received a court ordering stating this would happen. They are clearly violating the FDCPA Section 808 ( 1 ) by changing the balance. I am attaching the letter I received from AWA when I asked them to validate.. that shows the amount of {$270.00} and the screenshots from both agencies reflecting the discrepancies.
Consumer complaint received 2022-03-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I have already mailed you this letter previously and I did not get a response by mail. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all paperwork you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am 1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. I am also requesting all financing paperwork 5. Iam also requesting the Dealer documents 6. I am also requesting the redemption notice that you were suppose to send to me that I never received.

7. I am also requesting the deficiency notice that you were suppose to send to me that I never received.

8 Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to
Consumer complaint received 2024-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I had set up a PayPal account around XX/XX/2023. I was anticipating an acquaintance to transfer {$90.00} but in the end we met and the exchange was made in-person. So I rejected the payment on the platform. The transaction no longer exists on the platform. 

However, PayPal for some reason deemed the transaction as requiring an invoice. I was sent a notice from PayPal that in order to continue to use the platform I need to enter required information. I had no intention of continuing to use the platform and tried to close and delete all information. PayPal refuses to allow this account to be closed. They require me to enter personal and banking information before they will accept my request to close the account. In a chat exchange they informed me that all my information will be held for a period of time before the account is completely closed. 

I see no reason to give Paypay personal and banking information to close an account I never used. They must delete my account.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. The Fair Credit Reporting Act Section 611 ( a ) stats that a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has almost been 45 days. The items that I have listed within the correspondence I sent them must be deleted immediately please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TN)

I have contacted both CCS Collections and XXXX and neither would take the blame for the mistake but both did admit it was a mistake. They passed me back and forth to each other and did nothing to correct this. This debt is for someone else and debt collection agencies continue to put his debts on my credit report.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (IA)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2021-03-10
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: NAVY FEDERAL CREDIT UNION (NY)

i filed a dispute in regards of the inaccurate items on my credit report it has been well over 30 days and i haven't received any investigation results
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (FL)

Reliacard/US Bank is not allowing me to withdraw funds that I need while out of state. I have attempted to speak with them multiple times by phone to resolve this. I was told they have placed a " travel exemption '' on my account. However, they still will not allow me to withdraw funds greater than {$40.00}.
Consumer complaint received 2021-06-14
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: Experian Information Solutions Inc. (PA)

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, XXXX  and Experian. It has been over 70 days and I have still not received any investigation results from any credit bureau. I included a copy of my drivers license and social security card as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Management Outsourcing, Inc. (GA)

Nationwide Recovery cals my cell phone MULTIPLE times a day. Each time they call I explain that I am not able to pay the debt right now, and ask them to please stop calling as they are interrupting my day at work or with family, and causing me undue stress. They are relentless. They literally call me close to 10 times a day, every day, including weekends. This has been going on steady for the past 2 years.
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (PA)

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, Equifax and XXXX. It has been over 70 days and I have still not received any investigation results from any credit bureau. I included a copy of my drivers license and social security card as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2022 my Bank of America credit card was charged for {$1200.00} for a company called XXXX XXXX XXXX, XXXX in XXXX XXXX, WA. I did not approve this charge. I didn't even know what they were until I contacted the company. They had no idea what I was referring to as they are a holding company and do not deal in any credit card transactions. XXXX the person I spoke to looked into their financial records and could not find that amount or my name associated with any of their records. I contacted Bank of America and tried to have this charged reversed THREE times with the last attempt on XX/XX/XXXX when I spoke to a fraud supervisor in Texas named XXXX. He said I would be receiving letter by email and regular XXXX mail re-opening my claim with the # XXXX. The first two fraud claims I opened, I received a letter stating that the merchant provided them with documentation confirming that I received the merchandise or service. Each time I asked them for their " proof '' they said they couldn't give it to me. I have spent hours upon hours trying to resolve this situation and continue to get the runaround. They have returned the charge to my account and expect me to pay it. I will not. Any assistance in this matter would be helpful.
Consumer complaint received 2021-06-14
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: Experian Information Solutions Inc. (TX)

not mine : fcra XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

On XX/XX/2019, I was approved by Citi for the Citi / AAdvantage Platinum Select World Elite Mastercard with a credit limit of {$13000.00}. 

The offer at the time was : Earn 60,000 miles after spending {$3000.00} within the first 3 months of account opening. I have a screen shot of this very promo from Citi 's own website.

When I received my card in the mail, a letter said that I would earn 40,000 miles if I spent {$2000.00} within the first 3 months of account opening. 

I called Citi on XX/XX/2019 and informed them of the issue, that I had received the wrong promotion. They sent my concern on to the marketing department. I then received a letter in the mail from Citi saying that I had not been solicited for that offer. 

I called Citi back on XX/XX/2019 stating that I had a screen shot of the offer I applied for. They had me email the screen shot to an email address at Citi that is for XXXX XXXX promotions. 

I hadn't heard anything back for nearly a month, so I sent an email to the given email address yesterday ( XX/XX/2019 ) asking for a response. As I hadn't heard anything today ( XX/XX/2019 ), I called Citi support. 

I was told that they did in fact receive my screen shot, but apparently they would not apply the proper promo to my account for this circular reason : Allegedly, I was not solicited, with a letter in my name, offering me the 60k miles promo. I wasn't, to my recollection, sent an offer for the $ 40k either. Because their own website did not have my name on the offer ( which it logically wouldn't ), the promo did not necessary apply to me **even though I was approved for the card when I applied for the card under the offer**. 
So I wasn't " technically '' offered the 60k promo, but I was allowed to apply for the card under it **and I was approved**. 

This is false promotion and messaging.
Consumer complaint received 2022-07-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Unbeknownst to me, a Credit Card Issued by Bank of America on XX/XX/XXXX It was issued to an individual unknown to me using the following contact information : Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2022-12-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (VA)

I was provided with a loan from American First Finance while getting a new couch at XXXX XXXX. I was briefly given areas to sign online- for the loan -- Originally the couch was for XXXX. I was informed by the merchant to attempt to finish the loan as quickly as possible to avoid any interest on it. However, she never mentioned that I would get charged XXXX DAILY on this current loan. I have paid already XXXX. I was informed that they are charging me an annual percentage rate of 169.7 % - I was never told this -- or never was provided to me by the merchant. I was also informed that I will have to continue to pay every two weeks XXXX until XX/XX/2024 to complete a total of XXXX. The couch was XXXX -- - yet they are making me pay XXXX. When the transaction was completed at the merchants I was never given paperwork or anything regarding the agreement either. She obtain a few signatures from me.. telling me how much it would be bi-weekly and that was about it. When I called to obtain a copy of the agreement -- American First Finance stated they will send it via email in 24 hours -- it took them also 4 days for me to obtain it. I have been wrongfully informed of the hidden charges in this loan.
Consumer complaint received 2021-04-15
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: Ideal Collection Services, Inc. (FL)

While checking my credit report, I notice an account from IDEAL COLLECTION SERVICE that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that IDEAL COLLECTION SERVICE is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-12-16
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. (PA)

I am writing to dispute fraudulent charges on my account listed as XXXX and XXXX XXXX XXXX XXXX AND XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened. I am requesting these charges be removed immediately.
Consumer complaint received 2022-12-16
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. (PA)

I am writing to dispute fraudulent charges on my account listed as XXXX and XXXX XXXX XXXX XXXX AND XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened. I am requesting these charges be removed immediately.
Consumer complaint received 2022-12-16
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. (PA)

Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I