davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd. (MA)

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. Per the credit bureau, this company reported addresses and phone numbers that are different from my actuals. They are not coorporating and states that they are willing to take a settlement as the account was frauduelantly opened. I don't know what else to do so i am finally coming to you guys for some guidance please.
Consumer complaint received 2020-05-23
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. (FL)

SOMEONE STOLE MY IDENTITY AND USED IT WITHOUT MY PERMISSION AND OPEN SEVERAL ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

These are the unauthorized charges to our debit card with USAA Bank. 

XX/XX/18 XXXX XXXX XXXX- {$2700.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXXXXXX XXXX XXXX XXXXXXXX {$830.00} XX/XX/18 XXXX XXXX XXXX  XXXX XXXX {$40.00} we informed the bank that these were unauthorized and approximately a month later they told us they WERE authorized. We have requested associated documents used by them to reach that conclusion and are still waiting for them to furnish them, It has been over a month since that request.
Consumer complaint received 2020-05-23
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. (GA)

The following is incorrect personal information. Please remove the following items : Incorrect Address : XXXX XXXX XXXX ( Transunion, XXXX, and XXXX  ) Incorrect Address : XXXX XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX Incorrect Names : XXXX ( Transunion ) Incorrect Names : XXXX ( Transunion ) XXXX XXXX XXXX  - Open XX/XX/XXXX is showing that XXXX  is Inaccurately reporting late payment on XX/XX/XXXX. 

The following items is the result of error or identity theft. Please remove the following items : XXXX XXXX XXXX  is not my account XXXX XXXX is not my account XXXX  The following are unauthorized inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (MI)

American Express has been attempting to contact my father-in-law regarding the debt I previously incurred at his home and cell telephone numbers. They have made three attempts over the previous two days, on XX/XX/20 and XX/XX/20. Not only is this a breach of the Fair Debt Collection Practices Act ( FDCPA ) as they called him more than once in an attempt to locate me given that you already had working contact details for myself, but they also are in breach of the Telephone Consumer Protection Act ( TCPA ) for using a robocaller in order to attempt to do so.
Consumer complaint received 2020-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

hey, i'll like to address an issue that has been bothering me since XXXX XXXX XXXX. I lost my card the night of XXXX XXXX and called Santander the following day of XXXX XXXX which is on record to report this incident, the transaction amount that was debited onto my account was XXXX which happened after i lost my card and was processed and posted to my account XXXX XXXX. Next i called the bank and spoke to an Representative who pretty much was incompetent and not helpful at all and filled out the wrong information on my dispute claim which led to my claim being denied, i spoke to the supervisor who submitted another claim to help fix the first claim, however, was also denied due to inconsistent details. the inconsistent details were implemented due to the first person who initially put the claim in and put the wrong details in ( i told the female information about how my week went and that it went terrible due to my car breaking in, after I told her that i did make a purchase at XXXX XXXX XXXX  on mother 's day and that i made a withdrawal Monday XXXX in the morning towards the afternoon. i did in fact lost my card that night and tried to report it lost/stolen but no one in santander call center picked up so i called the following day. All the information i provided is accurate and is presented to the best of my knowledge and now that because she put the wrong information in. Im wrongfully accused of this claim at which Santander is not trying to help me. I need my money back that I worked so hard for this past year and im late on my rent due to this inconvenience and santander doesn't care at all
Consumer complaint received 2020-05-23
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: Experian Information Solutions Inc. (FL)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. This item is fraudulent. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX
Consumer complaint received 2020-05-23
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. (FL)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. This item is fraudulent. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX
Consumer complaint received 2020-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (MI)

On XX/XX/XXXX around XXXX I made a purchase with my cash app card at XXXX XXXX before work with no issues. Later in the day around XXXX I tried to purchase items at the store in which my card was declined and cash app stated it was for my protection. I have a current balance of {$1300.00} in my account there is no reason for it to be declined. I can not transfer money, send money or buy anything at the moment. I have tried contacting them on many different social media sites as well as through email, due to them not having a customer service number. It is now XX/XX/XXXX its been over 24 hours and my account is still frozen there is many others on twitter stating they have similar issues, in which cash app is simply responding we are working on it
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

The balance was paid in full last month yet Home Depot STILL charged interest on a XXXX balance. 

I have seen them do this before and have called them out on these unfair and deceptive trade practices. 

I submit this complaint primarily to assist the other Americans who are not as financially savvy as I am nor as conversant with Title 18 violations and other Banking regulations meant to protect hardworking Americans instead of fleecing them as has been the practice in the past. 

Thank you so much for your time and consideration.
Consumer complaint received 2020-05-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX/XXXX, XXXX, XXXX/XXXX, XXXX   XXXX/XXXX  XXXX, XXXX/XXXX, XXXX/XXXX, XXXX  XXXX   XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries XXXX  XXXX XXXX  XXXX  XXXX/XXXX   XXXX/XXXX  XXXX  XXXX/XXXX  XXXX  XXXX/XXXX
Consumer complaint received 2020-05-22
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THIS IS FRAUD AT ITS FINEST
Consumer complaint received 2020-05-22
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. (CA)

I am filing this report because today XX/XX/2020 I discovered two accounts on my credit report that do not belong to me. The only reason why I even looked at my credit today is because I was going to ask for a credit line increase for one of my credit cards and I wanted to make sure they would approve the credit increase. The account names are XXXX XXXX XXXX XXXX XXXX XXXX. I have no relationship, contract or agreement with either of these companies and I did not give them permission to run or access my credit. At this time I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

XXXX XXXX XXXX have been harassing my dad and auntie throughout the day. This company also tried to tarnish my reputation by calling the receptionist at my job and telling them that I was in trouble and someone was on their way to deliver documents for me to sign. This is embarrassing for them to go around speaking about me to my coworkers and family. They called my company on several occasions with the most recent being on XX/XX/2020. XXXX XXXX XXXX could not produce any proof that I had a debt with them. However, these harassing practices are inhuman, especially while we're dealing with a pandemic ( COVID-19 ).
Consumer complaint received 2018-06-11
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: JPMORGAN CHASE & CO. (AR)

On XX/XX/XXXX, we purchased a treadmill through XXXX for {$1300.00} on our Chase ( Southwest Airlines ) card. The treadmill was not delivered to us -- with many ( documented ) calls and chats to/from XXXX. We received tracking information showing it was delivered to someone we don't know in a different city. XXXX kept asking for more time to deliver it to us.

On XX/XX/XXXX, after 6 weeks, we disputed the charge with Chase after trying to cancel the order with XXXX. XXXX then challenged our dispute -- stating they had delivered the treadmill. After many calls with Chase, we mailed back to them a 50+-page packet on XX/XX/XXXX showing our paper trail ( chat call logs and dates/times of phone calls, etc ) including the delivery of the treadmill to the other city, not to our home address as it showed on the order. Chase had sent that packet to us -- and it already showed our address on the order, as well as the address in the other city where it was delivered. In talking with Chase representatives, they never seemed to " understand '' that they had the information -- instead putting the onus of proof on us.

Today, XX/XX/XXXX, I received an email from Chase that the " Return Protection '' on my card is no longer available -- even though the dispute has not been resolved yet. I called Chase. I spoke with two different representatives trying to complain about the Return Protection being cancelled. XXXX told me that the service provider for benefits is a different company. I asked her if Chase does not care that this other provider is not handling disputes well and that I plan to cancel my card. She re-directed my call back to the original menu. After being on hold again, I hung up.

I am complaining that my " Return Protection '' was terminated simply because I challenged the charge -- even before the dispute has been resolved. I also am complaining that disputing the charge has been difficult and time-consuming when they had evidence that we never received the treadmill.
Consumer complaint received 2020-05-22
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THIS IS FRAUD AT ITS FINEST
Consumer complaint received 2020-05-21
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Please investigate and remove the following accounts and inquiries from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (CA)

Was not aware that I missed payment for two months at the time. I had 10 credit cards. Tried to work with them but they wouldnt take of delinquency so I closed card after paying balance
Consumer complaint received 2020-05-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The following is incorrect personal information. Please remove the following items : Incorrect Address : XXXX XXXX XXXX ( XXXX, XXXX, and Equifax ) Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX Names : XXXX ( XXXX  ) Incorrect Names : XXXX ( XXXX ) XXXX XXXX XXXX  - Open XX/XX/XXXX is showing that XXXX  is Inaccurately reporting late payment on XX/XX/XXXX. 

The following items is the result of error or identity theft. Please remove the following items : XXXX XXXX XXXX  is not my account XXXX XXXX is not my account XXXX  The following are unauthorized inquiries : 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 2018-06-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NC)

On XX/XX/2018 i sent over a complete modification packet. loan care refuses to review my documents and help me with an obtaining an affordable payment. i have left numerous voicemails to management and the single point of contact which never call back. Agents and representatives that do get on the phone are not helpful always rude and not once want to answer any questions they always transfer without giving the opportunity to explain and then never get called back. the more they refuse to work with me and more against me the more i fall into default and i am not wanting to lose my home. i need all the help i can get moving forward.
Consumer complaint received 2018-06-12
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. (CA)

Our old mortgage was sold to XXXX XXXX. My husband had lost his job after 11 years and I became XXXX and had to retire early from my job. We were convinced that we should do a short sale and our realtor spent tons of time speaking with XXXX XXXX at XXXX to settle our account. We finally did sell and two years later we find out they reported that our short sale is a foreclosure. This has devastated our credit and they said they will report is as foreclosure proceedings started ending in short sale, but when our credit is pulled all anyone see 's is " foreclosure ''. Please make them report this accurately, I believe it is on Experian.
Consumer complaint received 2018-06-12
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: Resurgent Capital Services L.P. (SC)

Ive been trying for the past year to work with this company to remove this inaccurate item off my credit. They removed one account which was acknowledged that both accounts were fraud. Ive sent all documents in to prove that these items were fraudulent. This company sent notice back in XX/XX/XXXX of last year stating that they were removing both accounts from my credit and theyve yet to do so. Ive been speaking with someone by the name of XXXX hes very nonchalant, unprofessional and uncaring about the whole situation. This is causing great stress and Ive been seeing my doctor more frequently because this is causing my XXXX XXXX to go up putting me in a state of mind that Ill never be able to move forward with my home buying process because this item is holding me back. Ive spoken to an Attorney ( XXXX XXXX ) about moving forward with filing an lawsuit where Ill be seeking damages, and pain and suffering. This is my 8th CFPB complaint against this company and Ill continue to file more until this issue gets resolved.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

I called Wells Fargo for information about what to do With mortgage during covid pandemic being wife and I lost our employment during New York State pause order. I was offered a forbearance agreement or deferral that I was assured I would receive paper work on and it would not be reported to credit reporting agency during this time of national pandemic. I was reluctant to go into anything but requested information be sent to me. 
Credit report indicates In forbearance it also indicates last payment received was XXXX but I have paid XXXX XXXX and XXXX. This has negatively affected My credit with all credit reporting agencies. I did not sign anything to agree to forbearance and subsequent calls to them I stressed that Im paying my mortgage and dont want a forbearance. Instead they listed it on my credit without authorization. When I called them they said it was an error n they are working on it. They ruined my wife and my credit.
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

MY COMPLAINT IS AGAINST USAA : ** BLATANT DISHONESTY!!! See attatched XX/XX/XXXX USAA CREDIT CARD FRAUD CLAIM Claim Date XX/XX/XXXX Amount {$470.00} ****** UNAUTHORIZED*****. USAA has never provided credit for this fraud of XXXX. I SUBMITTED A WORK ORDER TO REVIEW 18 Xs over past two years. See attatched USAA : REVIEW OF YOUR CLAIM IS COMPLETE dated XX/XX/XXXX XXXX NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW OF YOUR CLAIM what?? ****** see attatched USAA XX/XX/XXXX STATEMENT **** NO USAA CREDITS**** MY OPINION USAA ARE CRIMINALS. I AM AN ID THEFT *VICTIM XXXX YR OLD *DISABLED XXXX YR MEMBER *ABUSED BY USAA. ( USAA HAS DESTROYED MY EXCELLENT CREDIT WITH USAA DISHONESTY. )