davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (TX)

On XX/XX/XXXX I checked my credit report and saw a new collection was being reported in the amount of {$2700.00}. The collection agency reporting the debt is Vance & Huffman. 

The credit report shows the original debt being owed to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX and discovered that a loan had been fraudulently applied for and approved under my maiden name. XXXX XXXX XXXX approved a loan and electronically submitted this loan to a checking account at XXXX XXXX XXXX on XX/XX/XXXX. The address used was my former address and the phone number used was also fraudulent. I have not lived at the address used since XX/XX/XXXX. 
I have not used the last name being used on the fraudulent loan since XXXX. I also did not have an account with XXXX XXXX in XXXX. I contacted XXXX XXXX on XX/XX/XXXX and their customer service was unable to help me. XXXX XXXX XXXX referred me to the collection agency Vance and Huffman, which advised me they would need a police report, Federal Trade Commission XXXX. I submitted this information on XX/XX/XXXX and the remaining information on XX/XX/XXXX. I contacted Vance and Huffman on or around XX/XX/XXXX and was told by the representative that it would take up to 90 days for Vance and Huffman to complete their investigation. I had also previously disputed this charge with the major credit reporting agencies. I did not receive correspondence from Vance and Huffman during their investigation period. 
However, I received a letter on XX/XX/XXXX dated XX/XX/XXXX from Vance and Huffman. The letter was a request for payment in the amount of {$2700.00}. I contacted Vance & Huffman on XX/XX/XXXX and was told by XXXX of the agents that because they received a new dispute from me that everything has been " reset '' and to please not dispute again, as they have restarted their investigation. 
This situation is impacting my credit and I DID NOT apply for this loan. I am not sure why the Lender XXXX XXXX XXXX  would send funds to an account that clearly was not verified. I do not understand why XXXX XXXX XXXX would accept electronic funds to a fraudulent checking account. This account did not bear my name. I have done all that has been asked of me, as this is a case of identity theft.
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP (PA)

Used bank card as CREDIT CARD at XXXX locations and realized the next day I used the wrong bank. I check the account and it indicated PENDING for these transactions. I deposited CASH in account to cover these PENDING charges. Today I went to verify my SS check was deposited and notice XXXX overdraft fees : tier XXXX overdraft item charge of - {$38.00} tier XXXX overdraft item charge - {$38.00} overdraft item charge {$34.00} I called the Bank Manager and ask why if these were PENDING as CREDIT CARD transactions and CASH was put into account before the charges hit my account, why these overdraft fees. She said that is way it works, pending is same as charged. They took off XXXX overdraft fee but left other XXXX tier XXXX overdrafts. 
NOTE : the attached file No longer indicates PENDING but a charge backdated hiding the PENDING status.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

Equifax has my credit file mixed with someone elses for the last few months when I log into myequifax someone elses account shows up. I have brought this to there attention multiple times. When I called customer service they assured me the right information is on my file but when I recently called I was told they cant find my file. I even uploaded my drivers license. Im am tired of countlessly sending in my personal information via mail because it makes me more vulnerable to identity theft. The issues is my credit report is frozen and I can not unfreeze it. I am trying to get mortgage loan and they cant access my file.
Consumer complaint received 2023-08-07
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: Block, Inc. (NV)

On XX/XX/2023, at about XXXX, I attempted to place an online order with XXXX. My payment method was a buy now pay later application, Afterpay/ My intention was to pay for purchase, ( approx XXXX ) with a pay in 4 installment plan, Afterpay to deduct my first payment immediately. When I checked my account I found that I had been billed for gift cards in the amount of {$780.00}. 

When I tried to phone the company, Afterpay, they have no phone service for anything, they can not be contacted by phone. My only option was to go to the bank, XXXX XXXX XXXX XXXX. XXXX. the next day, XXXX XXXX, and cancel my debit and credit card to stop any more deductions. Afterpay took $ XXXXas first payment. 

The were 6 gift cards in total, all to XXXX. When I phoned XXXX I was told one card had been used for {$190.00}. I have no knowledge of the other five that Afterpay is billing me for. If I did something in error on the computer, I still did not get these cads.
Consumer complaint received 2023-08-07
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have unauthorized and unverified inquires on my XXXX credit file. They are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and Citizens One Auto Fi XX/XX/XXXX. Each application was for pre-approval soft pulls and I didn't authorize hard pulls. I contacted each institution to ask why they pulled my credit, they responded that the applications were no longer in there system because it was more than 30 days from applications.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to formally express my deep concern regarding the unresolved disputed accounts on my credit report. Despite my repeated requests for thorough investigations into the inaccuracies I have identified, no corrective actions have been taken thus far. These erroneous entries are negatively impacting my credit file and significantly affecting my ability to manage my financial obligations and lead a normal life. 

The ongoing presence of these inaccuracies has created immense hardships, and I am left with no choice but to ask for your immediate assistance in resolving this matter. I kindly urge your organization to conduct a detailed review of each of the disputed accounts on my credit report and take the necessary steps to correct any errors without further delay. 

It is critical that the accuracy and integrity of my credit report be restored as soon as possible so that I can regain control over my financial health. I sincerely request that this matter be given your highest priority and that swift action is taken to rectify the situation. 

Thank you for your prompt attention to this urgent matter. I greatly appreciate your support and cooperation in resolving this issue.
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CLuisMortgages, LLC (FL)

I was given the clear to close for a specific date. At the time of the date and my arrival to the appointment I was told documents were not ready. I was promised by multiple people I would be receiving my keys at the appointment for signing. When all of a sudden was told that the seller was not going to give me the deed nor the keys at time of signing until they received their money. I have nothing to do with the title company holding the sellers money. The title company should be responsible for having my keys to hand over to me at closing. XXXX XXXX XXXX along with CLuismortgages , LLC
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Class action law suite will be filed against XXXX and Equifax and XXXX if they do not correct false credit reporting XXXX was sued for this they know it's a voilation The corts say you can not report a balnce on a cancled debt there is no more balance to report when you cancle a debt Reporting a debt with a balnce owed that has been canceled is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). case law has proven this XXXX is still reporting a canceled debt as a collection and pass due amount A federal court has ruled that such conduct is potentially prohibited. In XXXX XXXX XXXX XXXX XXXX, the Court held that consumers may bring claims under the Fair Credit Reporting Act if creditors continue to report debts on credit reports after filing a Form 1099-C In XXXX XXXX XXXX XXXX, XXXX, 2017 XXXX XXXX, at XXXX ( XXXX, 2017 ), XXXX XXXX allowed an FCRA claim past the pleading stage based on the argument that reporting a debt that was cancelled by issuance of a 1099-C rendered the reporting inaccurate. 15 U.S.C. 1681s-2 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Plaintiff, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX XXXX XXXX, XXXX, 2017 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). Plaintiff alleges that XXXX canceled Plaintiff 's debt, and thus, XXXX 's continued reporting of Plaintiff 's outstanding debt to the CRAs is inaccurate.
Consumer complaint received 2023-08-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

This mortgage company wants to charge is XXXX more a month for escrow shortages and when we ask what is from we always get a new answer. First they said they made three homeowners insurance payments in a span of three months and wants to say its our fault. Now they are saying that they refunded the seller the escrow and that we agreed to it in the purchase agreement which I didnt. We are asking for proof and still no answer. Who agrees to refund the seller escrow for a year of taxes on a home you just closed on in XX/XX/XXXX. Closing is another thing we closed in XX/XX/XXXX and made us paid more the mortgage payment on XXXX but they told us we couldnt move until the loan assumption was finalized. So we closed in XXXX and they didnt let us move in until after XX/XX/XXXX. 

Here is an email I sent them last week and still have received a response from them : I wanted to make you all aware of a major problem I am having with my escrow and ask for your assistance. Flagstar bank is telling me that I have a {$10000.00} shortage on my escrow account because of multiple erroneous insurance payments. 
According to the customer service rep we spoke to this morning, one payment was made from the escrow account in XXXX prior to my closing in the amount of {$2600.00}. 

Another was made on XX/XX/XXXX for {$3000.00} to XXXX also prior to closing. 
Another two were charged to the seller at closing in the amounts of {$3300.00} and {$3000.00}. These two amounts originated because we got two quotes. Even though we told multiple people at Flagstar in phone conversations and in email, that we were only going to go with the XXXX ( underwritten by XXXX ) quote and the other ( XXXX underwritten by XXXX ) should be disregarded. These should have never been charged to the seller, but since they were. We were instructed to wire an extra {$6400.00} after closing to cover their erroneous charges, and then request a refund from the insurance company we were not going to use. So that is what we did and we did receive the refund from XXXX for {$3300.00}. 

The {$3000.00} and the {$3300.00} are both noted in the closing disclosure erroneously. The {$3000.00} was refunded to Flagstar on XXXX. 

Was the {$3300.00} refunded to the seller from the escrow at closing but possibly not recorded? 

We do not have any accountability of the {$2600.00}. Logically we can assume that it was a normal scheduled insurance payment from the sellers escrow before they sold the house. They should have been refunded the prorated amount for XX/XX/XXXX- XX/XX/XXXX. If the refund went directly to the seller then the escrow account should never have credited that amount to the seller, essentially paying them twice. 

This was there first explanation of the missing funds and now they are saying something different.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

on XX/XX/2023, i went to the XXXX gas station and used my Discover credit card to get some gas for my car I believe I left the card out on the counter of gas station or fell out from my pocket. on XX/XX/XXXX I went to my discover app to pay my monthly payment and I discovered there were lots of charges over XXXX dollars of unauthorized charges on my discover credit card. so, I went to call discover and were looking for my card and i couldn't find my card. so, I immediately contacted Discover where i found the number from internet and i spoked to customer service and i told them what exactly happened and they asked me if i have my card which i told them no, they asked me if the charges were mine and i told them no and they said they will remove charged for me and closed the account and send me a new card. I asked the customer service at that time if i need to file a police report and she told me no i don't need it. This Sunday i looked out on my statement to pay my card and realized all the charges are back on the card. I decided to file a complaint to local authorities that's what brought me here today. Please help me with this stressful situation. Thank you.
Consumer complaint received 2023-08-08
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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3600.00} XX/XX/2023 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
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: ACIMA CREDIT, LLC (IL)

While reviewing my XXXX  credit report, I noticed two installment loan accounts that did not belong to me from Acima Digital FKA Simple Acct # 's XXXX for {$5000.00} opened XX/XX/XXXX and XXXX for {$4700.00} opened XX/XX/XXXX. I have never conducted business with this company and never provided my personal information. I am a victim of identity theft
Consumer complaint received 2023-08-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (IL)

I had called AmEx over 5 times regarding the funds issued from my closed account. They keep telling me the check has been sent out on XX/XX/XXXX. I was guaranteed the check should be in my hand by XX/XX/XXXX. I have informed delivery I have not seen the check sent out as of yet. I am behind on my rent because of the delay of this check, they keep telling me the check is in the mail. I requested to speak to a supervisor I was told no supervisors are available and someone will get in touch with me. No one has gotten in touch with me. I would like my check sent expedited 2 day mail to me as I am facing eviction now and have a court date XX/XX/XXXX because I can not get my own money out of this bank.
Consumer complaint received 2023-08-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am addressing a concern regarding the reporting of a charge off on my credit report. Your company has labeled a debt as a charge off, which signifies that it has been discharged and you have taken a tax write-off for it. However, I have noticed that this charge off is inaccurately reported as owed on my consumer report. This discrepancy exists despite the fact that your company classified it as uncollectible debt and wrote it off.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

Good day, upon checking of my credit report recently, I found some credit inquiries that I do not recognize and believe to be fraudulent as I have not applied to them. I did not give permission to these companies to pull up my credit report. This is really alarming as I might be already a victim of possible identity theft.
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Someone has committed Fraud with my bank account at XXXX XXXX XXXX and has to change my account 3 times. In doing so, I have had my personal information stolen. This started in XX/XX/XXXX, XX/XX/XXXX, Then in XXXX of XXXX. My personal information was used to acquire and credit card with XXXX XXXX for XXXX. Now Midland credit management has taken this account over and now the total is XXXX. Now I Iive on XXXX and made XXXX in XXXX. Now i live on XXXX a month. I have called capital one explaining to them that this was not done by me. Midland credit Managment has now filled papers to collect on this debit. During covid, i could not file a police report on this matter. I called the credit bureaus and filed this claim to them and had it removed from my credit report. I had to put freezes on my reports along with Fraud alert on them. I don't know what to do from here outside of what i already have done. XXXX told me to file this report with this agency. I hope this can be resolved.
Consumer complaint received 2023-08-05
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. (TX)

Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

XXXX XXXX Bank Account Account XXXX xxxxxxxxxxxx XXXX is not public info and should not be reported to Equifax. The only true credit reporting agency is the CFPB and they do NOT furnish consumer reports. Equifax is an independent company and has no written consent from me to report my non public information.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose