davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

I can not get my free annualcreditreport even though I send in the correct information. I have been denied. I tried by phone and the response to my information recorded was unlegible I could not understand the recording I had made and I was not able to get an agent or operator on the call. I Went online and was denied my annualcreditreport and I am seeking information on how I can get this report from all XXXX credit reporting company 's. By the free annualcreditreport.com which I believed to be associated with the United States Government under Federal Government approval.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

My identity has been stolen to multiple credit card accounts. I was not able to list all of them in the theft details. 1 ). There are total of XXXX credit card accounts opened in my name. 2 ). My boyfriend 's identity was stolen and he told me my name and information was on these stolen accounts of his, and they had all my information. This is what prompted me to look into my credit report. 3 ). I went and spoke with XXXX Police Departments and they told me they could not file the report until I have physical documentation from the credit card companies and credit bureaus. 4 ). I 'm currently trying to obtain as much information as I can.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (MD)

On XXXX XXXX, XXXX, I faxed the attached FCBA dispute to Discover. Discover never acknowledged it by the mandatory deadline, or resolved it, as required by FCBA. On XXXX XXXX, XXXX, I contacted XXXX XXXX in Discover 's Exec. Office of Customer Advocacy about getting a {$50.00} refund, as required by FCBA. He never addressed my issue. In XXXX XXXX, I called XXXX XXXX in Discover 's Exec. Office of Customer Advocacy. He promised to follow up with XXXX XXXX. However, he instead left XXXX vague messages on my answering machine. On XXXX XXXX, XXXX, he sent me a letter, requesting " more information ''. XXXX XXXX had the " information '' he needed. XXXX XXXX ignored my follow-up questions as to whether he consulted XXXX XXXX, as he had promised. Discover has stonewalled for 7 months on issuing my {$50.00} refund.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (WI)

I am a victim of identity theft. Someone opened a Discover credit card in my name and used it to make fraudulent purchases without my knowledge. They also used my existing payment accounts ( i.e. XXXX, XXXX and XXXX ) to change my funding sources to the fraudulent card. Since I was n't aware this happened I unknowingly placed XXXX transactions on a fraudulent Discover card that was opened in my name. I reported fraud to Discover, filed a Police Report, and reported this to the FTC. Now that I have identified the XXXX transactions to Discover they have been harassing me to make a payment. I refused to give my checking account number to them and they kept pushing me to give it to them. They threatened me with having a past due account and they were reporting it to the credit agencies. They keep calling my house and I feel that they are being very unprofessional about my claim. I have not made a payment and will not until my case has been cleared.
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK (NY)

I always pay the full balance of purchases that I make each month when I receive my Discover Card. 
On XXXX/XXXX/XXXX I made a {$460.00} payment by phone to Discover Card so that my payment would be timely for the XXXX/XXXX/XXXX due date. I was given confirmation # XXXX. 
However on my next month 's statement Discover Card charged me a late fee of {$25.00} on XXXX/XXXX/XXXX. 
The next due date of XXXX/XXXX/XXXX I again paid my purchases of {$730.00} by phone on XXXX/XXXX/XXXX, I spoke with XXXX XXXX ( XXXX office ) and she gave me confirmation # XXXX for my payment. On XXXX/XXXX/XXXX Discover Card charged me a {$35.00} late fee plus {$15.00} interest for a balance that I paid timely. 
Discover Card continued to bill me for late fees and interest on the disputed late fees for every month thereafter. It has ballooned to {$130.00}. I wrote to Discover Card on two ( 2 ) occasions XXXX XXXX, XXXX and XXXX XXXX, XXXX and they have not replied. 
On XXXX XXXX, XXXX, I retrieved a credit report from XXXX and XXXX. My credit score went down due to XXXX negative entry posted by Discover Card. Discover reported that I was thirty ( 30 ) days late for the month of XXXX XXXX. I was not late. I paid the amount that I charged. I simply refused to pay the disputed late fees and interest. I have attached my statements and copies of my letters.
Consumer complaint received 2016-06-18
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (SC)

After cancelling paperless billing with Discover Card because the online bills were always blank, My paper statements are not sent to me. I have to remember to call Discover Card every month and have them create and send my statements. Their customer support always tells me that everything looks fine on their systems but yet the statement is not sent unless I call and tell them I have not received it.
Consumer complaint received 2017-02-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (CO)

I have had repeated problems with Discover Student Loans. I did not choose this company - they purchased some existing student loans I had with XXXX, so I was never given the option to use the free market to find a company that provided better service. 

My problems with Discover began almost immediately. The monthly payment amount they wanted was very high, and I was working for a non-profit, making too little to afford the payments. I called repeatedly to ask for a modified payment plan, but was told that they did not have one yet. So I made their payments and began to put necessities like groceries on credit cards. 

My interest rates on my Discover loans are through the roof and keep going up : currently 7.75 % and 10 %. They 've gone up six times in the past year, including twice in a single month last XXXX. Because they keep increasing my interest rates, my payments go up, too, because the loan term does n't change. I asked if I could renegotiate the loan term to make my payments more affordable, and was refused. 

Last year, I experienced further financial hardship when I moved cross-country and changed jobs. While my increased hardship was temporary, as I had taken a higher-paying job with a for-profit company, Discover refused to grant me a deferment of a single month. My income was too high. I was instead granted a six-month reduction in my payment amount, from {$490.00} to {$380.00}. I still was unable to pay that month, but I diligently made every payment following, adding {$16.00} to each payment in order to make up for the missed payment over time. In spite of this, I began receiving calls three times day, every day, hounding me for the overdue amount. I requested that they stop or at least decrease these phone calls, and they refused, saying they were within the law. I had to block the number. I have not missed a payment since I had that difficulty last year. 

At some point, my six-month payment reduction ended. I received no notice that it was ending, and did not even realize it had ended until I spoke with customer service today about my overdue balance increasing instead of decreasing. For months I have been making payments that I thought were a little extra, but were instead more than {$100.00} too little. 

Even when I had near-perfect credit, the only refinancing I could find was at a rate even higher than what I 'm paying now. My credit was damaged during the period of financial hardship mentioned previously, so now I ca n't find refinancing at all. I want to pay my debts, and I want to work with this company to make my debt payment manageable. But Discover will not work with me to come to a reasonable compromise on the monthly payment amount. I 'm not sure what else I can do.
Consumer complaint received 2016-09-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (MD)

I purchased a new car from the FORD dealership. Since then the car has XXXX recalls and starting to have other malfunctions since then. The Ford dealership stated that they would order a clutch that is needed ; I have not heard anything from Ford. I fail behind on the payment for the last 2 months and they are threatening repossession.
Consumer complaint received 2017-03-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.M. Galicia, Inc. (CA)

I have repeatedly sent out certified letters to Progressive Management Inc asking for validation bearing my signature of debt from this reporting agency and this company will not comply with my requests. This is a violation of the Fair Debt Collection Practices Act. This is affecting my credit score and if I can not get validation bearing my signature of debt please remove from all reporting credit bureaus ( XXXX and XXXX ).
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (SC)

To whom it may concern, I recently applied for credit with my bank and was declined because of a low credit score XXXX from XXXX three ( 3 ) months prior. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible XXXX individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suit to challenge the status quo of the following organization. These agencies consist of XXXX, XXXX and Equifax. Please inform me about how I can pursue to challenge and correct this matter, XXXX - XXXX
Consumer complaint received 2017-01-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (MD)

I sold a gift card on my eBay account and i followed the rules and regulation in regards to selling that gift card on the eBay website. I had the payment information go through papal and papal received the money from the customer and told me that it was OK for me to send the gift card to the customer. The customer sent me an email to send the gift card to her email for faster shipping. i sent the gift card to the customer as instructed. pay pal waited 21 day to put the money in my account. after 2weeks of receiving the money pay pal send me an email saying the customer filed a dispute with her back that she never authorized the payment from her account. pay pal went ahead and did there investigation and said unfortunately they are unable to reimburse me because the transaction was not covered under pay pal seller protection.
Consumer complaint received 2016-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (OH)

I have a a unverified account from I C SYSTEM INC. I had previously disputed this account. I have never done business with I C SYSTEM INC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt I C System INC purport I owe. I request that I C Systems INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C System lNC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Consumer complaint received 2016-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc. (TX)

i was not aware of any moneys owed, XXXX XXXX waited for 1 year and 5 months before sending me any notice of informing me moneys are owed, i not only question the validity of this money, i also question the tactics used, the call me on XXXX XXXX 2016, informing me that moneys were owed, i ask for written details, which i was told was on its way to me, i got a mail on on XXXX XXXX 2016. i called XXXX XXXX XXXX XXXX XXXX with intent to resolve this and was told the debt was sent to collection, does this not violate every single FTC rules, i was not given the opportunity to pay or investigate the validity of this debt, i was sent a letter which is the first notification i ever got from XXXX that unless they receive payment in 5 days they would send account to collection agency, they did not give 3 day room for Post Office delivery, the letter was not expedited or sent with any delivery confirmation. 
now they forwarded it straight to collection before the 5 days was concluded. this violated FTC rules. 
if payment request is made, i should be given a decent amount of time to review ad understand the validity of the debt and ask any questions to satisfy their claims these were denied to me. and i called same day i received the letter only to be told it was in collections already. 

i was asked to call on Monday XXXX XXXX, 2016 to speak with a Supervisor so we could clear up any balance if owed.only for supervisor to inform me it has been sent to IC Systems and nothing could be done on this account. 

first of all i never switched my account to XXXX XXXX, they never had my permission to transfer my service, i questions them on how did my service get managed by them and also i transferred back to Power company of choice and now it seems they are attempting to penalize me for this, why should i pay a cancellation fee if they fraudulently moved my account to their organization, what number was this call from that moved service. was there a recording? 

anyway i am willing to pay it off just for a settlement but i protest and would pursue every legal action if reported to my credit report
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Skyline Financial Corp. (CA)

My client is being Steered to a Mortgage company by only giving a {$2500.00} Credit and a home warranty. Only if they use there preferred, and that is steering according to what I have heard from other trusted sources. My client is now confused and frustrated. I attempted to negotiate and inform the builder 's representative that what they 're doing is an illegal practice and they said they do n't care.
Consumer complaint received 2017-03-09
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I hired a freelancer to make a website for me. I paid 50 % of the total price upfront so that they could begin the work. According to XXXX I am protected by PayPal from fraudulent " Sellers who provide services or digital and intangible goods. '' After multiple delays, the freelancer provided me with a terrible first draft of the website. 

XXXX I decided to terminate the business relationship and asked for a partial refund. The seller refused. I asked for PayPal to step in and assist me, they also refused to assist me and decided in favor of the seller. There is no appeal process available or a detailed explanation of how they reached their decision.
Consumer complaint received 2015-03-29
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (TX)

During my transaction with ebay.com/paypal, the checkout process is very deceptive and will sign you up for a paypal credit card in a deceptive manner. During the checkout process, the website will automatically default to the payment option of " paypal credit '' which will make the buyer assume they have a credit sitting in their paypal account as I had. When you choose this method, it brings up a screen asking you to confirm your information. Still nothing really indicates you are signing up for a credit card. The feel of the website at this point makes it as if, for security reasons, they are confirming your information. Once you " update '' your information, you are then brought to a " congratulations '' screen indicating you have been approved for credit when again, all I was trying to do was use an existing balance I had within paypal. Given the nature of paypal 's business, most of their customers would assume they have a paypal " credit '' as most of their clients do not know that paypal has now entered the consumer lending industry. Traditionally, they were an electronic payment vendor and this is what 95 % of their customer base, including myself, still see them as. Paypal should not abuse their relationship and take advantage of their customer with these deceptive practices. If most people knew they were signing up for a credit card with clear verbiage, they would not choose to do so. Please investigate this and put a stop to these deceptive practices that paypal has implemented.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Experian did their investigation and came back with updated information. Well i called the creditors which i will list and they all came back and said they have no infomation on file. How did Experian investigate without calling the creditors to see if this was my account. Also in 2013 I was a victimn of ID theft which Experian could have a did better job at investigating the inaccurate information becasue it is still on my file1.XXXX account # XXXX ( no file ) 2.XXXX Bank Account # XXXX ( no file ) They sold this account to XXXX XXXX so it is being reported twice. 
3.XXXX Bank account XXXX XXXX XXXX and XXXX account XXXX XXXX are the same account. I have a letter that i will upload saying for the credit bureaus to take off my credit5.XXXX XXXX account # XXXX ( no file )
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MO)

Equifax states company has provided documentation of verification of debt. However i have proof the debt owed is XXXX balance through original creditor. Neither XXXX collection co or Equifax has provided me with verification of debt. Collection accounts have not only remained in my credit report inaccurately, but now previously removed collections from XXXX have reposted to my credit file.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

This is concerning Equifax XXXX XXXX XXXX, and XXXX XXXX XXXX of a debt totaling {$1600.00}. I contacted XXXX XXXX XXXX and XXXX XXXX XXXX. I proved to them that I was and is a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX XXXX validated the debt as mine, yet neither have provided any documentation legally linking me to the account. XXXX XXXX XXXX and XXXX XXXX XXXX seem to be unaware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', This complaint is also formal request that the bureaus ( EQ XXXX XXXX ) and XXXX provide the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( XXXX ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 168li ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also request legal FCRA Validation of Debt What the money you say I owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show agreed to pay you XXXX XXXX what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

I have repeatedly ( three times ) mailed Equifax regarding their investigation of an unauthorized hard inquiry of my credit report. I understand that under FCRA they are required to provide a description of the actual procedure used, including name, address, and telephone number of anyone they contact. Each time I write to them requesting that, they send me a form letter that does not actually include that required information. Their responses, which seem to be simple auto-generated form letters, also ignore specific and relevant questions about the process and their investigation.