davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

We dropped XXXX as our mobile provider in late XX/XX/2019.  (XXXX   account XXXX, I.C. System Ref. No: XXXX.)  We returned all 5 leased phones, all of which XXXX acknowledges receiving.  The 3rd from last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX, prior to their receipt of the 5 phones.  The 2nd from last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX with a credit of $XXXX, apparently for the returned phones.  The last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX.I also received a check from XXXX, dated XX/XX/2019, for $XXXX   which is apparently the reconciliation of the above amounts.  I have participated in several chats with XXXX (for which I have transcripts) trying in vain to get an explanation for several hundred dollars in charges.  On XX/XX/2019, I received an email from XXXX demanding immediate payment of $XXXX, this despite the last bill above stating "This is your final bill for wireless services" with a balance of $XXXX (copy attached). The XXXX email included:It's important that you resolve this immediately to prevent further collection action that may include:•  Your account being sent to an outside collection agency.•  Your account classified as "bad debt" with XXXX if the account remains unpaid at the collection agency.•  Your account reported to the three national credit bureaus as past due.One more chat with XXXX (XX/XX/2019) to inquire about this includes the following:XXXX XXXX. : As I check here that this charge of $XXXX on your account was your previous payment on XX/XX/XXXX that has been refunded on you back on your account .I verified that XXXX did indeed credit our Mastercard with that amount on XX/XX/2019.  (The difference is presumably charging me interest which extrapolates to about 10.8%.)  I immediately asked: "Why was this done and why was I not informed?"  However, no explanation was provided.  I was transferred to XXXX "finance team", but the only explanation I received was:XXXX : I do want to assist you with your concern. However, upon checking, there is a specific department handling the account. All payment or financial related concerns of this account must be handled by that dedicated team. It will be best if you contact them for assistance. You can reach them by calling this number XXXX to have your concern resolved at your satisfaction.You : Can I chat with them? I would like a record, please.XXXX : I am sorry but they do not operate via chat; over the phones only.You : And you can explain none of this?XXXX : I am really sorry; please do not feel that I am refusing to assist you because I will if only I have the right access. I am assuring you that if you contact them, they can answer your inquires.I subsequently received a letter from I.C. System, a collection agency, on XX/XX/XXXX saying that I owed $XXXX and have 30 days to respond.  (Their letter is datedXX/XX/2019, so I assume the 30 days ends on XX/XX/XXXX.)
Consumer complaint received 2021-09-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (SC)

I signed up for a bonus that gives {$400.00} for opening a checking and {$100.00} for opening a savings after meeting the terms. I received the checking bonus, but did not receive the savings bonus. I have called and US bank is dragging their feet. It has been well over 60 days per the terms for me to receive the offer and they have not done anything to resolve this. 

This was offered online and in branch. I have also attached an online flyer that I found after US Bank couldn't keep up with their own offers. The phone agent said he saw the code attached to my account but it has been many weeks with no resolution.
Consumer complaint received 2020-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Summary of Paypal Case ID XXXX XX/XX/2020 An online transaction was made for a bicycle through Paypal in the amount of {$70.00}. The transaction I.D with XXXX XXXX was XXXX. 
XX/XX/2020 - A claim for merchandise paid for but not received was made with Paypal, XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX with Case I.D # XXXX assigned. 
XX/XX/2020 A small packet was received from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, California XXXX, containing three miniature plastic dice with tracking number XXXX. Packet weighed slightly over 1 oz. Paypal reached out to seller and seller provided tracking number for the three dice as evidence purchase was delivered. 
XX/XX/2020 Paypal denied my claim based on the shipping tracking number for the three dice provided by seller. 
XX/XX/2020 Paypal reopened the case after I filed a complaint with the Better Business Bureau in XXXX XXXX, California, Complaint Case # XXXX. 
XX/XX/2020 Notified via XXXX  that return of dice to seller with evidence of receipt in form of tracking number would result in my reimbursement. 
XX/XX/2020 Paypal acknowledges receipt of tracking number through XXXX Activity Log. USPS tracking shows dice were received by XXXX XXXX on XX/XX/XXXX, at XXXX a.m. 
XX/XX/2020 Paypal notifies me they are denying claim saying they never received tracking information although they acknowledged receipt on BBB XXXX XXXX. 
XX/XX/2020 XXXX closes their file with case unresolved with consumer. 
I have copies of XXXX  Activity Log, Tracking Number submitted, showing I returned merchandise as requested, USPS Shipping Log showing merchandise was received and picture of small packet with dice. Copies will be attached.
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

For the last month I have call to American Express 6 times, today was the last one. I received an offered from the American Express customer service representative, to add an additional car member at no cost. As I have my sister in XXXX its a good idea to give her a card so I eliminate the transfer from here. But since I ordered the card have been a mission to create an online account for her to give her access. Whenever I call they tell me that shes the one who has to call. So she call from XXXX to the international number and no answer at all. I call and I got another American Express number to call from XXXX and they told my sister that I am the only one that can make that call. I have to call again and its not posible to help me because she is not in the call. I add her to the call and she authorized me to call on her behalf, as when I put her on the call it cost me a lot of money because its and international call. Previous representative stated that he put on the system that I can speak on her behalf. Today she tried to get access to the online account and still not able to do it. I call one more time and they said that if she is not on the phone they cant help me even when there is a notation on her profile authorizing me to speak on her behalf. Waiting for the last representative to verify the authorization I have to hear that American Express have got the Jd Pawer reward. I am frustrated and extremely disappointed with their service. 

XXXX
Consumer complaint received 2020-10-27
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. (OH)

I have no knowledge about this accounts, please remove as this is not mine : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (IN)

I have attempted to request validation on this debt multiple times beginning since XX/XX/XXXX and every 30-60 days since then. But the collection agency was already attempting to collect the debt which was on my credit report prior to XX/XX/XXXX. In XX/XX/XXXX they responded with a copy of a bill from the original creditor but there was insufficient proof of the debt belonging to me. They provided documents that did not have my correct name, the signature was not my signature and the date was typed in instead of wet signature. My account with the original creditor shows a {$0.00} balance but it also shows they produced a bill XX/XX/XXXX but from what I can see the bill date is XX/XX/XXXX which I do not recall creating. I have never been contacted by this collection agency nor the original creditor about a balance owed anytime from the date of assumed debt creation according to the original creditor. No bill was generated in XXXX that I can see nor seen during anytime since XXXX up until XX/XX/XXXX from the original creditor. I have access to XXXX which is the program provided by the original credit that shares all medical information with the patient.
Consumer complaint received 2021-03-31
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. (TX)

Name, Address, Phone Numbers are incorrect FCRA VIOLATION see attached documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCharge Card Balance {$1200.00} Date OpenedXXXX Recent Payment- Original Creditor- Details XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$580.00} Date XXXX Recent Payment- Original Creditor- Details XXXX XXXX  XXXX XXXX XXXX negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Recent Payment- Original Creditor- Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolved show tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX On Record Until XX/XX/XXXX Court Information Court XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Phone Number -
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am needing assistance in dealing with Equifax because I have contacted Equifax several times and they wont correct their errors. I have sent letters about accounts they are reporting that are not correct and they have verified these accounts stating they are accurate? Im really confused how these accounts were verified as accurate when 1 ) Equifax is not even reporting MY CORRECT YEAR OF BIRTH 2. ) These accounts DON'T EVEN HAVE A FURNISHER on the accounts?? So how were these accounts verified, please explain this to me, because I can not understand this. Secondly, I have sent them proof of MY birth : my drivers license, my social security card and proof of my address but for some reason they will not correct their information? I was NOT born in XXXX ; I was born in XXXX. Period. There is absolutely no question about that, but somehow Equifax reports their information is accurate? HOW CAN THAT POSSIBLY BE??? I can not get a credit report from Equifax because they can not verify me. When I attempt to verify my identity, Equifax sends questions for me to answer that does not even apply to me, questions about someone else in another city of another state! And they have numerous addresses listed on my report that are not mine! I can not get approved for credit because the creditors can not verify me because Equifax is reporting someone elses birth year and not mine, FOR YEARS. I feel like I am in the Twilight Zone, surely this has to be in serious violation? This has kept me from numerous credit opportunities to provide more for my children and myself! This has even kept me from being able to continue my education! I am now consulting with an attorney because of the false reporting and refusing to correct their information for something AS SIMPLE AS MY YEAR OF BIRTH. This is absolutely absurd and your errors continue to affect MY financial livelihood!! And you continue to put my personal information at serious risk!!
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it 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 purpose
Consumer complaint received 2021-05-07
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)

There are 9 accounts on my credit report that do not belong to me I am a victim of identity theft and I have opened an FTC I have a notarized affidavit for identity theft I have been disputing these since XX/XX/XXXX and nothing is being done about it I need help. 

XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$8400.00} XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$19000.00} XXXX XXXX - Acct # XXXX balance {$1800.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} INQUIRIES XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-05-07
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. (NY)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2021-05-07
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-04-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-04-28
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. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it 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 purpose
Consumer complaint received 2021-05-07
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-05-07
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. (SC)

I have been successful in getting fraudulent credit accounts removed from my credit reports, but the hard inquiries still remain. I also have fraudulent addresses that do not belong to me on my credit reports with all three credit reporting agencies Equifax, XXXX, and XXXX 
I need removed the following XXXX XXXX XXXX XX/XX/XXXX XXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DBA XXXX XX/XX/XXXX False Addresses are as follows XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

HARD INQUIRIES ON XXXX ACCOUNT : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX REMOVE DELETE UNAUTHORIZED INQUIRES I NEVER APPLIED FOR CREDIT
Consumer complaint received 2021-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (VA)

American First Finance Received a good bye letter on XX/XX/XXXX after falling behind over 112 days on payments due to Covid. We are reaching out to you because youve fallen way behind on your payments and were running out of time to be able to keep your account in-house. 

XX/XX/XXXX received-Current Balance : {$950.00} Amount Past Due : {$580.00} Days Past Due : 112 Paid- {$330.00} same day due to agency representative telling me I owed {$670.00} for pay off amount so I paid half and was to schedule the last payment on XX/XX/XXXX. 

Representative told me I could not get my payoff receipt balance because he could not see it on the screen. Phone hung up after he attempted to read a script. 

Called back to confirm payment and was told it went through and I received an email confirmation showing a different balance as well as a different balance after I made a payment. No one could explain why and my payoff amount continues to increase.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

HARD INQUIRIES ON TRANSUNION ACCOUNT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE DELETE UNAUTHORIZED INQUIRES I NEVER APPLIED FOR CREDIT
Consumer complaint received 2020-11-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (MA)

hi cfpd ... i dont have a big issues ... just at the moment i dont have income my unemployment are being pending i lost my job XXXX i work so hard to provides my family foods and shelter.. long story short due of corona virus me and my wife both loose our job ... we saw our family memeber and communtity pass away.. we need a time out so i could figure out away to work from ... start a busines from home .. 

right now i need help for a few month to get back on my feet ... 

thank you
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (PA)

For the 2nd straight month MoneyLion has reported my account as 30+ days late, last month MoneyLion admitted that they made a mistake and reported inaccurate information to both XXXX  and XXXX  credit bureaus and sent me emails/letters apologizing and stated it was corrected and both credit bureaus were also contacted and told as well, today XX/XX/2021 they once AGAIN reported inaccurate information to the same two credit bureaus ( XXXX  and XXXX  ) that my account was once again late. Furthermore, after last months inaccurate information was corrected I paid this months and next months payments in full ( to XX/XX/XXXX ) in hopes they wouldnt make this mistake again, unfortunately it didnt work and once again they have reported inaccurate information