davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
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. (FL)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2020-02-04
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: BB&T CORPORATION (TX)

My wife and I own a business, so when we moved to a new office space, I went to open a secondary business checking account at BB & T near our new office. The banker pitched a business credit card to me and I told him we could see what credit line we were pre-approved for. He called me back and said that our card was approved for $ XXXX and that everything was set to go. However, come to find out, he opened a new personal lines credit card in my WIFEs name only without her express consent and even went as far as signing her name onto the card application, as she never visited the bank on any occasion. They began reporting inaccurate information while I was attempting to escalate this matter and now the reported late payment has delayed our home closing due to our APR being increased, which would result in additional payments of $ 35- $ 40k over the 30 year loan period - we NEVER have any late payments on ANY of our accounts, so this has really damaged our credit, in spite of this being a fraudulent account and not being any fault of our own whatsoever.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MO)

On XX/XX/2020 my SSI was deposited onto my Directr Express Card at XXXX XXXX  at XXXX XXXX  all the cash was withdrawn at a bank ATM in XXXX XXXX Illinois for a total of {$780.00}. Problem is I had the card in my possession in XXXX XXXX   Missouri at my residence at the date and time. I discovewred the theft at XXXX. on XX/XX/2020 and reported the theft immediately to Direct Express. I then faxed a statement to them to help expedite the claim and to get my money back which is federally insured, I was told it would take 10 business days to recieve a free replacement card or I would have to pay {$13.00} for an expedited card which I would recieve in 2 business days which I reluctantkly opted for, since I need my money immediately. Then they told me that the money could take up to 90 days to be reinstated on the new card. I filed a police report with the XXXX  XXXX Police for identity theft and also contacted the XXXX XXXX Ill Police to report the incident. I try calling Direct Express and never get anyone on the phone to find out when my claim will be processed and to give them the police report number. I need my money ASAP and I cant figure out why if this happened at my bank the money would be replaced in a day and I would not be charged for an expedited card either. I am the victim yet they are victyimizing me a second time please help. My direct express claim number is XXXX
Consumer complaint received 2020-02-03
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. (GA)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Consumer complaint received 2024-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (MN)

I have multiple accounts with Upgrade, including personal loans, checking and savings accounts. One of the loans is set up on auto-pay from the Upgrade checking account ( ending in XXXX ). The autopay was set to pay {$330.00} on XX/XX/year>. I noticed the account did not have enough to cover the payment, so I transferred funds from my Upgrade savings account ( ending in XXXX ) into the checking. Per Upgrade, these funds are available immediately since it is an internal account transfer. 

The account had just enough to cover the loan payment, but I later received notice that the loan payment was not made due to insufficient funds, and I was charged a {$10.00} late fee. I have since rescheduled the original payment amount of {$330.00}, but I want the {$10.00} fee reversed since my account did have the funds available to cover the loan payment on XX/XX/year>. 

I tried numerous times to contact the company and request the fee be reversed, but every time I call I am told that " a different department handles that '' and I just keep getting transferred around.
Consumer complaint received 2020-01-22
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)

Hi I have have contacted the bureaus for them to correct this mistake.i have so many inquiries that was not authorized by me. Could you please correct this the customer service was so rude and they did not try to help me or get me a supervisor here is the list of inquiries that needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

On XX/XX/2020, Diversified Consultants was placed on my credit report for collection. I have never received any contact from XXXX on this debt. This was an account that was released and the balance was paid by XXXX XXXX XXXX when the account was transferred over. When I went to XXXX after transferring the account to XXXX XXXX XXXX I was told that the account was cleared and in good standings. No further contact was ever made by myself or XXXX, nor any final bills received from XXXX by me or sent from XXXX to me.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

BEING A VICITM OF AN IDENTITY THEFT REPORT MEANS SOMEONE HAS ALL YOUR PERSONAL INFORMATION EASLY CAN PRETEND TO BE YOU. THE PERSON WHO STOLE MY IDENTITY NOT ONLY OPENED FEW CREDIT CARDS HE ALSO HAD OPENED A CHECKING ACCOUNT WITH A BIG FINANCIAL INSTITUTION AND HE OR SHE MAINTAINED THE CREDIT CARDS THROUGH THAT FRAUDULENT ACCOUNT. I TAKE PRIDE IN MY CREDIT REPOT AND I HAVE BEEN TRYING TO FIX MY PROBLEM AND FINALLY REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE CHARGES ON THE CREDIT CARDS ARE NOT MADE BY ME, THE PAYMENTS THAT WERE MADE ON THE FRAUDULENT ACCOUNTS WERE NOT DONE BY ME. AS SOON AS I FOUND OUT ABOUT THIS THE ACCOUNT WAS CLOSED I HAVE GONE TO THE POLICE AND I HAVE FILED NUMEROUS IDENTITY THEFT REPORTS. I LIVE IN AN APARTMENT COMPLEX AND EVEN OUR MAILBOX WAS BROKEN INTO FEW TIMES NOT JUST MINE THE ENTIRE BUILDINGS MAILBOX. BEING A VICTIM IS DIFFICULT AND HARD TO DEAL WITH BECAUSE YOU DON'T KNOW WHAT THE PRDOR IS CAPABLE OF DOING, AND THEN TO DEAL WITH THIS FOR ALMOST ONE YEAR IS CRAZY AND UNFAIR. AND TO THINK THAT SOME ONE SITTING IN THEIR NICE OFFICE, WHO PROBABLE HAS NOT EXPERIENCED WHAT I HAVE HAS NOT HAD THE HEADACHE CAN JUST ASSUME THAT AND TEL ME THAT BECAUSE YOUR ACCOUNT WAS MAINTAINED FROM MY CHECKING ACCOUNT THIS AND THE OTHER. WELL I WOULD TELL THEM PLEASE PUT THEM SELVES IN THE SHOES OF THE VICTIM.
Consumer complaint received 2020-02-04
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. (NV)

I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates I have been a victim of Fraud and per FCRA Experian should be reporting my information accurate : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I need these fraudulent inquires removed from my credit reports.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

On XX/XX/2019, I sent a letter to the credit bureau listed below along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the accounts ( s ) until I pulled my credit reports for review. I've asked the credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, I have not received a copy of my credit report and the item ( XXXX  XXXX  {$4900.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$490.00} ) continues to be reporting and affecting my credit. It would be of great pleasure if CFPB would assist me in resolving this matter. Thank You
Consumer complaint received 2020-02-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I been trying to get my credit report fix for the 3 credit bureaus and all they seem to care is make me believe that they fix the problem at some point my accounts were gone, and everything was good till i cancel memberships ALL THEY CARE IS ABOUT MONEY, when im already dealing with identity theft from the XXXX breach
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Creditor : XXXX XXXX AUTO FINANCE- Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX XXXX : XXXX/XXXX- Account : XXXX
Consumer complaint received 2020-01-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account.
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (HI)

I have received several bills from Convergent saying I owe {$1700.00} to XXXX XXXX XXXX. The most recently dated XX/XX/20. 
This is a fraudulent claim. Years ago the same fraudulent claim was made, I researched it, disputed it and it was found to be fraudulent and therefore was dismissed. 
It has now resurfaced again. 
This company is committing fraud for demanding I pay money for a debt I did not incur.
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (MD)

I file a complaint against FREEDOM DEBT RELIEF .IT HAVE NOT BEING RESOLVE.I want of my money that is left in my account.nothing have been done.. just a lot of phone call and email.the account is still the same.,. I decided to put all my bills together.with freedom debt relief and was told that my payment was be between 24 -- -48 months for {$380.00} and it will be all paid up.I have already paid 27 payment.and now freedom debt relief is asking for another 30 payments and want me to agree for another 30 months .I m not doing another 30 months. when that was not told in the beginning .I told a different story from freedom debt relief.they are say one thing 24-48 and saying 58 months I will be fixing XXXX and started in XX/XX/08 XXXX that not right I needed some help please.that what I was told in the beganing freedom debt relief 58 months when that is not in our contracted View full complaint
Consumer complaint received 2020-01-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I have contacted Amerihome by phone number at least 6 times and written them 3 letters and emailed faxed regarding this issue. The release of the escrow funds and lowering of my monthly payments has not occurred yet. I am a XXXX Vet and property tax exempt acknowledged by the state of Texas. I have provided proof multiple times and Amerihome refuses to release the escrow funds or adjust my mortgage payment until XX/XX/2020. There has not been a definitive date yet.
Consumer complaint received 2020-02-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have been attempting to work with USAA regarding my autoload which is XXXX past due. I want to pay this and cure. I have called only to be handed around to 7 different departments and none of them could help me in any meaningful way. 

I was involved in a a series of medical procedures that I just recently because conscious from and that I needed a little more time to pay the past due balance. Instead of working with me and giving me more time USAA simply hands me around to the next Represenative and each Represenative can't give me the 10 additional days I am requesting to cure this. I couldn't ' pay due to a major life changing medical event and USAA doesn't want to modify, defer, assist, extend, ... nothing. They simply threaten repossession of the vehicle that I rely on to get to my many medical appointments. 

I am requesting that USAA give me 10 more days to pay and cure this debt. 

Thank you, XXXX XXXX
Consumer complaint received 2020-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

I have disputed collections for XXXX  cell phone bill a number of times it was taken off my credit report and then put back on. My husband now ex was the one that applied for the phone and then added his line to it as well. I was never aware he used my information to get the phone. What information they have is just a typed up lease which I have found blank ones online so its kind shady. This account does not belong to me it belongs to my ex husband
Consumer complaint received 2020-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One advertised and promotional that if I made four payments on time in XXXX with My QuickSilver One Credit Card initially I was approved for XXXX and after I had made my four payments on time in XX/XX/XXXX. Capital One Credit Card advertised on the App keeping monthly payments reporting on track that I'd as a Capital One Customer would receive a increase from XXXX to XXXX. That didn't happen after I fulfilled my end of the agreement but Capital One after I spoke to their representatives said I had paid my credit card payments on time but I'd have to wait until XX/XX/XXXX. It's XX/XX/XXXX and I've called them several times I wrote them and nothing. 
Capital One has created a hardship by the misleading advertising, creating another Holiday problem that I planned to use those extra funds to shop, help with my financial needs. The Capital One Credit Card also was hacked and I suffered also being a identity theft victim. Capital One has reported late payments on my credit report, over the limit affecting my credit scores not to mention my ability to obtain new credit. 

Capital One Credit Card denying me access to my XXXX new credit limit that I qualified for and was promised by them. Even though I called them they were Rude, Arrogrant and XXXX  Their Power Refusing to increase my credit limit even after looking at my account being paid on time. 
Also Capital One Credit Card and their employees offer third payers to pay your bill through Walmart and I as a Customer trusted their advertising to pay my bill through technology data at Walmart. Capital One Credit Card after I would pay before the XX/XX/XXXX stated they didn't receive my payment. Capital One XXXX Supervisor demanded even though my payment was due until the XX/XX/XXXX that I pay 4 days ahead to avoid a late charge and over the limit that they reported violated my FCRA and Debt Collections Practices. Capital One after our initial signed agreement they changed the terms and conditions of the our initial contract. 
This caused me alot of stress and hardship because after the Data Breach and learned my privacy and financial information was breached I didn't want to use my personal information with Capital One. As I was already a Identity Theft Victim. 
They acted like on the telephone that data breach was nothing. 
XXXX XXXX XXXX
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MS SERVICES LLC (CA)

I AM A VICTIM OF AN IDENTITY THEFT, XXXX XXXX XXXX XXXX HAS ASSIGNED THISA CCOUNT TO MS SERVICES LLC COLLECTION AGENCY. I HAVE NEVER HAD ANY ACCOUNTS AT XXXX XXXX XXXX XXXX, THIS ACCOUNT WAS OPENED FRAUDULENTLY AT XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX. 
XX/XX/2020. 

To : CFPB. 

I received an e-mail on XX/XX/2020. 
It looked like it was from CHASE credit card. It said : Urgent : of in-line Banking information. and We have detected an irregular activity on your account and we are placing a hold on your account for your protection. Click Here to verify your account. 
My husband clicked on it and disclosed my name, address, Date of birth, SS number, Drivers ID no. Chasecredit card Password, telephone no. Etc. The information went to the sender. I then called CHASE and told them what happened. They said it was fraud. 
They canceled our credit cards and promised new cards. We changed our password. 
We are afraid of what might happen to us. 
We want your advice please. 
XXXX XXXX XXXX.
Consumer complaint received 2019-08-01
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (MI)

I went to XXXX XXXX XXXX in XXXX and I think it was in XXXX or XXXX XXXX XXXX school was closed down for federal fraud and there was a process that I could go through to get my debt removed and I went through all that and all my school debt was removed from my credit. About a year later it was all replaced onto my credit I tried to contact and explain this and they have no idea what I was talking about but I had proof at the time on my credit report it said the Department of Education had paid off all my student loans and now it is back on my credit and I am unable to get a mortgage or anything the company is FedLoan Servicing