davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX, I received an email stating that 'I ' had transferred money - {$1700.00} -from my account to XXXX XXXX ' . The next emails were about changes made to my account. 

I did NOT authorize or make the payment to XXXX XXXX - nor did I authorize or make the changes to my account. I caught these transactions less than 4 hours from when they occurred and immediately contacted Bluebird by American Express. My card has always been with me. 

The agent asked many many questions and said they would open a case. It was supposed to take 1-2 days before someone called for more information. No one called. I called every day after that time period. I was continually asked if I knew this person. Obviously American Express thought I did this. 

I have been told they can not guarantee I will get my money back. That they are investigating. They must be aware of this continually occurring as there are many reports online of this exact same fraud. 

It has been a week with no resolution. Surely they can trace the IP address used to make the fraudulent transaction and also see that it was not me who made it. I have never paid an individual. I have only used the card to pay American Express bills.
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CA)

Over a year ago, my TD Bank card was closed out. I had contacted support about this issue - since my autopay was never set up correctly despite being aware it was, I had my card charged off and cancelled. I now have multiple late marks on my credit report. I had paid it off by phone immediately upon learning about the issue, but unfortunately it was too late. 

Unfortunately due to unintuitive tools and no communication from TD, I have this mark on my report. I would like to remedy this. I would like to know what can be done, if a relationship can be re-established or if these marks can be taken off my report. I am sorry for the account being late, but also to my knowledge there was a full autopay on the account. 

The agent expressed a lot of sorrow and very much could tell this was not my fault or due to financial hardship. She tried to do what she could, but due to limited tools on her end, was unable to assist beyond making sure my account got paid in full.
Consumer complaint received 2021-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (VA)

Somebody has opened a credit card from ( XXXX XXXX XXXX ) using my personal information with the amount of {$850.00}, for which I have received a court letter on XXXX XX/XX/XXXX, filed by MIDLAND CREDIT MANAGEMENT , INC. After going through the court letter file papers I was shocked to know that first of all I have never heard about that bank before and have never ever applied for a credit card from that bank. I haven't received any statement from the bank either. As per their records, the card was opened on XX/XX/XXXX using my previous address details i.e. XXXX XXXX XXXX, XXXX, VA XXXX. But I moved from that place on XXXX XXXX to the current address i.e. XXXX XXXX PL, XXXX, VA XXXX. It also shows in the statement that somebody has made a payment of {$100.00} to that credit card account on XX/XX/XXXX and that wasn't paid by me. 
As per my knowledge, I haven't shared my personal information and my social security with any other people except my wife which we are now separated since the end of XX/XX/XXXX. I am completely unaware of this issue and If I have received such statements from the bank then I would have immediately called them to talk about it.
Consumer complaint received 2019-10-29
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

On XX/XX/XXXX, I verified with all three reporting agencies my address, name, and that this XXXX XXXX was NOT mine. XXXX removed it on my XX/XX/XXXX credit report as well as 3 closed accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX because they were all paid off at 100 % in good standing. I sent copies of the payoffs and even my lease showing that the XXXX account was at a location at which I never lived. I was also a victim of the Equifax data breach. All of these things have been verified over and over. I am literally losing my patience.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX. The provided address and phone number listed above is False information and several certified letters were sent to all parties, explained during XXXX XXXX. 

2. The account was paid in full by the VA department due to military service-connected. 

3. After a serval telephone conversation with the parties : Experian, XXXX, and the damage caused by The U.S. Treasury wrongfully Offset from XX/XX/XXXX - XX/XX/XXXX, in a total of ( 9 ) overpayments = {$1500.00} ( which is beyond the initial payment of {$1100.00} ) 4. A few certified letters were sent to notify them of their wrongfully neglected, and nothing was done by them. 

5. The attorney initiated litigation in Federal XXXX Court, for punitive damage.
Consumer complaint received 2021-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (IL)

Got a scam through XXXX XXXX used a cousin of mines page! Said she got a wonderful Grant Through the catalog a federal domestic assistance, Then said they can help me! Which I feel like a XXXX and proceeded! Scammers name went by XXXX XXXX Phone number on that is XXXX anyway wired money A name XXXX XXXX through my bank to a company called the navy credit union @ XXXX XXXX XXXX XXXX, XXXX XXXX, CA they were Notified The credit union there in XXXX XXXX stating that the XXXX XXXX who I wired money to was a scammer. dates that money was wired to were XXXX & XXXX Called my bank said there was nothing they can do same with the Navy credit bureau in XXXX XXXX
Consumer complaint received 2021-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LDF Holdings, LLC (GA)

On Tuesday, XX/XX/XXXX, I encountered an unexpected financial hardship. I sought to find a company that appeals to veterans ; I am a XXXX veteran. I came across National Small Loans. I applied and was approved in little time. Moments after approval, I received a call from a rep advising that I was approved for {$600.00}. This was great news, so I thought. The rep sent over an email for an eSign but as I read through the details it seemed incredibly predatory. My 1st payment was to be due 10 days later in the amount of {$310.00}, with the same payment amount for a full schedule that would've ultimately cost me thousands for the XXXX. When I became reluctant, the fast talking rep insisted I sign the contract while still on the phone and I wasn't comfortable with that. I asked for time to think about it. Fortunately, I was able to borrow the money from a family member and I wouldn't be charged excessive interest. Within a few minutes, I began receiving calls and emails from NSL pressuring me to sign the document. I replied that I no longer needed their loan and that I would like to resend my application since it was never signed. They made that process incredibly difficult and still sent emails urging me to sign. I sent a final email reiterating that I no longer needed their loan and kindly requested they disregard my app. After that, I received an email which stated that they regret to inform me that bc of my credit profile, they could not approve me at this time. Not only was this confusing but it was also very vindictive. As a veteran-consumer and an abiding citizen over all, I expected them to leave me whole and not try to demolish my credit profile simply because I chose a better lending option. My only fault is not reading their reviews before applying. It was disheartening to sit and read dozens and dozens and dozens of negative reviews from people with a similar story. Predatory lending should be unlawful, and if you can help stop these people from kicking people while they're already down, you will do this world justice. Thank you kindly.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I went to school at XXXX XXXX and was attending after XX/XX/08 and did not complete my program, I am eligible for this to be forgiven and I have not received any information from the Department of Education or XXXX, nor have they responded to my inquiries.
Consumer complaint received 2021-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent in request to verify these accounts and I have yet to hear back from the credit bureaus. It has been well over 30 days. These account listed are not my accounts and I have no contract on file with thee companies.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On the XXXX of XXXX Due to compromised credentials they decided to close my account I informed them I had a direct deposit I was not going to be able to redirect. This money is my service connected XXXX pay and all the money I receive every month. I've escalated the issue twice, call daily and still have gotten nowhere. Now my rent along with all my other bills are late
Consumer complaint received 2019-10-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

Last week, XX/XX/XXXX I called up ROcket Mortage to get a quote for a mortgage. ( XXXX XXXX was the representarive doing my application over the phone ). I was quickly steered/preassured to a 30 year fixed FHA loan without given any choices despite me repeatedley telling the agent that our intention was pay off the mortgage within 5 years. After questioning the agent as to why he wouldn'tgive us any other options after I had submitted/uploaded my online documents online 3 hours later after I was pre-approved for the FHA loan he claimed that I told him that we wanted a low intetrest rate ( not true ), I only mentioned a Fixed Rate loan that we intended to pay off within 5 years. I explained to him that I was XXXX ( receiving Social Security benefits and my husband was XXXX so we wanted to be out of debt as quickly as possible ) After I was preapproved, I was still receiving notices that I need to submit more financial info. ( even though I had already uploaded everything ). He also rushed to ask me if I needed a realtor that they could provide but would not explain to me the details/obligations going with their realtor besides telling me that I would get 1 point off my loan which made no sense, he did not give me any further explanation of what that meant. Afterwards I've been getting daily emails by the realtor coordinator asking me if someone contacted me. Last night my husband and I decided we did not feel comfortable take out a mortgage to purchase a home with rocket mortgage and decided to save more money so we can buy a property outright later in time. I went online to try and delete all my financial and XXXX info but that is not possible. I contacted a person through their chat and they told me that they can not delete my financial info that I had uploaded. After I explained to her that we no longer wanted to take out a loan, she said that everything will drop off after 90 days and sent me a privacy/security link. This privacy link did not mention that all my sensitive info would be deleted after 90 days. I asked the agent who has acess to my finacial info and she told me that her internet and audit team does. I do not feel comfortable with my all my financial information being online and I do not understand why I can not delete it. I am concerned that my information will be stolen or hacked. What are my right to have all my financial information deleted immediately? I will add that on my online account I did click on a link to cancel my mortage application. But when I click on my documents. All my 20 plus pages of tax, investment and banking account information with all the account number are still there.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have made numerous requests to remove all fraud alerts on my report so that I can obtain a loan and so that my reort can be accessed without a hassle. they have failed to remove the fraud alerts and my phone number that they have listed as a contact when the alert prevents a creditor from access is even incorrectly listed and the numbers are mixed up. 
I have submitted the information that they requested to do these things numerous times and it is on their record.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX, XXXXy Bank of America Credit Card ending in XXXX was used at a number of websites without my permission. I had the card in my possession, and it appears that all the charges were for online merchants. 

On XX/XX/XXXX, I notified Bank of America of all the disputed charges and they issued me a new card and credited the disputed amounts. 

On XX/XX/XXXX, Bank of America notified me that they were reinstating one of the charges because I had a history of making purchases at the merchant. The merchant is XXXX. 

The charge in question was {$630.00}. Although like 220 million other Americans each month, I do purchase quite a bit through the retailer, I DID NOT make that purchase. I offered to show Bank of America my entire purchase history from the merchant and they declined.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with XXXX XXXX and/or XXXX XXXX, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and TransUnion has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with XXXX XXXX and/or XXXX XXXX : I have personally engaged the US Bankruptcy Court for the XXXX XXXX of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties.

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to XXXX XXXX to confirm the original contract a. ) can not be located b. ) XXXX XXXX no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).
Consumer complaint received 2022-07-14
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: Spring Oaks Capital, LLC (PA)

The collection agency continue to open claims that already been closed. Spring Oaks Capital LLC had reopen a claim that was closed. This was the company XXXX XXXX XXXX XXXX. I had paid this company more then what I used. They continue to say I owe them {$610.00}. I explained that to the collection agency but they continue to keep it on. It is against the law for anybody to share your personal information even to sale your information to anybody without ones acknowledgement. I'm asking that this be removed from all 3 credit bureau. Thank You!
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (WI)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Since XX/XX/2021, I have been charged {$420.00} in NSF and Overdraft fees. I lost my job a few months ago, and am still actively interviewing/applying and aggressively searching for work. I havent been able to keep up with my negative checking account balance that keeps getting bigger and bigger each week due to these fees, and in addition, cant afford my credit card payments. My credit has tanked, and at this rate when I do secure employment again, most if not all of my paycheck will be going towards these fees alone. In addition, I receive upwards of 5 calls every day from different numbers from BOA about my negative balances, even though when I initally received these calls I spoke with an agent 2 different times explaining my situation and asking them to reverse the fees, which they said they could not. I have been a loyal BOA customer for over 5 years now, and for all 5 years, up until now, I never missed a credit card payment and always paid my entire balance in full. I am overwhelmed, terrified, and cant get approved for absolutely any credit cards for balance transfer to try to get ahold of this debt. Also, I can not be approved for absolutely any personal loans that do not have an interest rate upwards of 100 % or more.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (DE)

It appears that my credit file has been compromised. Again, I was going through my records & noticed items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX : {$2500.00}
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION (IL)

XX/XX/2021 I loaded {$300.00} onto my card. I went to the gas station and used {$40.00} for gas. I went to pick up my son and get something to eat. As I tried to purchase food my card was declined. I called the bank and they told me I would have to wait until after the holidays so they can see what was posted. Three separate transactions ranging from {$30.00}, {$150.00}, and {$200.00} were charged and overdrawn my account. All start with XXXX XXXX XXXX. The bank told me it was sporting event tickets. I dont go anywhere. I didn't make these purchases and I want my money back. I can't pay some of my bills because some XXXX decided to mess with my money. I have screenshots of said withdrawals.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (IL)

I have disputed Inquiries that's on my Equifax report numerous of times but Equifax have not did anything. I have contacted the creditors and NONE of them have Proof that I authorize the below inquiries ( on the upload documents ). I repeat I HAVE CONTACTED ALL THE CREDITORS AND THEY HAVE NO PROOF I AUTHORIZED THE INQUIRIES. IF Equifax have anything with my signature on it that proofs I authorize any of the inquiries I would like to have a copy of them all. If not please delete off my credit report. The inquiries is negative impacting my credit score and stopping me from getting a mortgage.