davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
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. (OH)

On XX/XX/2020 I sent a letter to all three credit bureau 's asking them to send me a letter of " Method of Verification '' as to how they obtained information about a bankruptcy on my credit report. In that letter, which I sent certified to each, I enclosed a copy of my DL, SS card, CCW license, and a copy of my lease. More than sufficient to identify me. None of them responded so I sent another letter with a copy of the first letter and my identifiers enclosed again on XX/XX/2020 asking if they would please respond. Still nothing from any of them. Then I called Transunion which was the only one I could get a human on the phone to talk to and I got a supervisor named XXXX. XXXX proceeded to tell me that even though they didn't respond in the 30 days per the Fair Credit Reporting Act, he wasn't removing anything from my file because the letter I submitted from the Bankruptcy Court stating they do not report to the credit bureaus - he would not accept because it didn't have my case number and the seal from the court. Clearly continuing to violate my rights under the Fair Credit Act saying that they are required to remove it from my credit report because they failed to respond in the 30 days. I then submitted a 3rd letter from the court with my case number and the seal on said letter plus all other additional letters and ID 's previously mentioned, again certified to all 3 credit reporting agencies on XX/XX/2020 demanding them to remove the bankruptcy from my credit report ASAP. I have still not heard anything! I am now in touch with an attorney to help me take them to court to have the bankruptcy removed. This is ridiculous. They have not responded in over 70 days to anything.
Consumer complaint received 2020-06-24
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)

Experian is allowing a law breaking debt collector to report on a debt that has exceeded the statute of limitations for reporting. I provided PDF document proof of the violation and they chose to ignore it because the debt collector refused to comply. Experian is willfully breaking CFPB statute of limitations provisions.
Consumer complaint received 2020-06-25
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. (FL)

I have a card info in my credit report XXXX XXXX, which I don't recognize as mine. Appears a balance in my credit report shown as closed as a bad debt. There is no history of transactions reported and when i tried to contact the company to find out what was that they simple don't have an answer. I requested proof of purchase of something in the name of that card and received nothing.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (PA)

I've had a credit card with First National Bank of Omaha ( FDIC  CERTIFICATE # XXXX ) since XX/XX/XXXX, I don't use it all the time. I have had a XXXX  balance for over a year, On XXXX XXXX, ( in the midst of the Covid-19 lock down ). I get a letter stating they had closed my account. I can understand that, so i called to ask if they could reinstate it because i do use it periodically. They said they could NOT re-open it, but I could fill out a new application and reapply. Here is my Problem. When they closed the account with no notice 1. that decreased my credit limit by XXXX dollars which means my the percentage of credit i'm using of my available credit went up. 2. it decrease my average length of time I've had credit. 3. by applying for a new credit card they will do a credit inquiry, These things will adversely effect your credit. I did call, the I emailed them through their website. " XXXX XXXX Customer Care Senior Specialist '' could care less, typical response - we take our customers correspondence Seriously and appreciate ... ... .. '' your credit rating/score effect interest rates on insurance, vehicles, etc. I think is a shame, while people were on lock down and other businesses were working to ease the pressures for people, FNBO was pulling credit from people who don't use their cards everyday but might actually really need them in the near future. While I '' m guessing, there is nothing we can do, I'm still electing to write my senator and congressmen and CFPB to let them know something should be done about these kind of things, especial in the midst of a world wide crisis, do banks really need to deactivating good customers lines of credit. I have other credit cards, but it's not just about me, what about people who might actually need their credit card now and this has been done to them. I think is a shame.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

Last night, on XXXX, XX/XX/XXXX. Somebody hack into my square hey account in used my virtual card information to make purchases on multiple Website. I contacted square immediately after I was made aware of these transactions and while they were still pending. They said they would get back in touch with me shortly and make sure to inform all merchants involved about the fraudulent activity that occurred so they wouldnt process the transactions. Well, upon checking my account this morning on Monday, XX/XX/XXXX. Square and all partys involved approved of 12+ transactions, consisting of nearly {$4000.00} to be completed. I am considering filing a lawsuit on every party involved with the criminal activity that took place. I will make a decision regarding this shortly. All parties involved that have already been verified and approved the transactions include XXXX XXXXXXXX XXXX, SQUARE. All other parties involved but didnt approve the transactions or still pending include CURRENT FINANCIAL INSTITUTION, XXXX XXXX XXXX XXXX XXXX and XXXX. Possible parties that might be involved but have not been confirmed include XXXX
Consumer complaint received 2020-06-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2020 my families home was approached at XXXX XXXX  PST by a man of XXXX decent. First he approached my teenage  daughter in our driveway asking her questions about me which is to my understanding unlawful. I have no clue who he was nor did he identify himself of his association other than he has some papers for me to sign. I told him I do not know who he is and to leave my home immediately as I am not opening a door for someone who can not state their association or business. I asked him over three times to leave the property and when he didn't I quickly phoned the local police department and showed them the video of the man who approached my home as well as a photo of his vehicle. 

XX/XX/2020 another man of XXXX decent approached our family home at XXXX XXXX PST and then phoned me as well. Please keep in mind that I am asleep and should not be getting phone calls at XXXX XXXX. I further advised very nicely and clearly I do not know him or is partner and to not approach my families home. If he is working for a provider they can mail me a certified letter if they have business to attend to with me but coming to my family home harassing my family my family on private property is unacceptable and I will phone the authorities going forward if they continue to harass my family. 

Again, no credentials presented when I ask who he is with, no documentation mailed from this supposed collector and yet my family home is being harassed with multiple gentleman I have no clue who they are and is rather threating to myself and my family. I have asked nicely if there is correspondence with this creditor for it to be mailed but I will not be opening my home to harassing & threating strangers.
Consumer complaint received 2020-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

I previously filed a complaint through CFPB, today we received a response from the lender and the complaint was closed, however, the explanation from the lender was absolutely false and exactly the reason why they need to change my payment and backdate it to {$130.00}. In sum and substance, the portion of their explanation that is pertinent to the complaint is as follows When the recertification application was processed on XX/XX/XXXX, FedLoan Servicing determined that the family size had been reduced and that the marital status had changed in comparison to the previous year. The IDR monthly installment is directly dependent about your household income and family size. As a result, the monthly installment under the PAYE plan increased from {$130.00} to {$280.00}, effective XX/XX/XXXX. 
This information is fraudulent and absolutely false, my family size had not changed, as they are very well aware of - through the numerous conversations weve had with loan officers, nor had my marital status changed from the previous year, I have been divorced since XXXX and head of my household, single parent to a XXXX  and XXXX  to an elderly parent, my household size is three, and has been - for four years. Nothing has changed, so they are making false statements in the response to the original complaint ID : XXXX. I demand the payment be calculated accordingly and backdated as they have now made contradictory and false statements to this organization, when stating that my family size or my marital status changed, none of which is true.
Consumer complaint received 2020-06-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (NY)

I applied online for a debt consolidation loan on XX/XX/XXXX and was denied. I called Marcus and was told to call XXXX, which would be pointless as I already know whats reflected on my credit report. The denial reason provided was number of recent inquires on credit bureau. This is false. I have one inquiry for an apartment, that I currently live in, from XX/XX/XXXX. I dont have multiple inquiries as Marcus by Goldman stated I do.
Consumer complaint received 2020-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (GA)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Consumer complaint received 2020-06-25
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. (UT)

XXXX/XXXX is reporting an erroneous late on my credit file for XX/XX/2020. I made this payment on time, and I should not be reporting any lates. I am requesting that XXXX fixes this issue as it is affecting my credit file.
Consumer complaint received 2020-06-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IA)

Experian Credit Report is showing hard credit pull from XXXX XXXX XXXX XXXX on XX/XX/XXXX with following details : XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX. 

XXXX, IL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online I have called the number listed, there is no option to speak to anyone without a current credit card number which I do not have. I also tried several of the numbers available on their website XXXX XXXX XXXX including XXXX, XXXX and the " chat with representative '' option. 

The Chat option gives me this error, XXXX XXXX XXXX Due to extremely high volume we've temporarily disabled our CHAT service. Please contact us at XXXX with a brief description of your inquiry and we'll contact you. Please include your full name and best contact number. We apologize for the inconvenience and appreciate your patience. Thank you and be safe, XXXX XXXX And I have found no way to speak to anyone about disputing the hard credit pull, or understanding why it is appearing on my Experian Credit Report. 

When calling the customer service number at XXXX it takes me to represenatives of another service providing offering lending to 1,200 banks but I don't remember the name of that company. They had no record of me or the credit application by my social, name, dob, phone number, etc. 

What is a person supposed to do to get this corrected if all the contact information does not lead to someone who can assist? Feels very back-alley to me and now the hard credit pull remains on my credit for two years ... totally unbelievable.
Consumer complaint received 2020-06-24
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. (FL)

SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX   and Experian 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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

They post it to all 3 bureaus without my permission. The corporate United States created a tacit mortgage on my private property without my knowledge or consent and is using it as collateral for loans of credit and money substitute from the non-federal Federal Reserve Bank. HJR 192 of 1933 and UCC 10-104 and 1-104 which is my congressionally designated right. You have 24 hours to remove it. I want to be notified when its done..
Consumer complaint received 2020-06-24
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 PERSONAL INFORMATION AND USED IT TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. 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 2020-06-26
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: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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, Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (PA)

I am a Citibank customer and have been for years. I understand that they have to right to reduce your credit limit but they reduced my limit by {$9500.00} in XXXX  0f 2020, my balance was only {$2200.00}. I have had mortgages for a few hundred thousand dollars in the past and have always been in good standing with them for years, never missing a payment. This dramatic drop in my credit line of {$9500.00} left my card maxed out. They did not have the decency to even notify me they just did it. When I got an alert that my credit score went down 75 points, I researched it and found out it was because of my debt to income ratio caused by Citibank in reducing all of my available credit to what was owed. I immediately called Citibank. I have a secure job with the Federal Government for over 10 years, and COVID 19 has not impacted my ability to pay my bills and I have not lost any income. I explained to the Citibank customer service representative of a situation my family is experiencing and that I recently had to take several loans out to assist in my XXXX old grandsons treatment for XXXX XXXX for his medical bills. I explained this to Citibank and they didn't seem to care. I also disclosed that I had significant savings in my savings account of over 30K presently to cover all of these bills. I will not recommend them to anyone and once I'm done paying off this card I will no longer be a customer of theirs. They showed no empathy for my situation, I never asked to extend payments or for any assistance. I want to file this complaint to show how insensitive they are as an organization with no care to their customers needs. To reduce my line of credit to what is owed has severely impacted my credit and has caused more issues, this is not a way to treat your customers.
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

On XX/XX/2021 between hours of XXXX and XXXX XXXX  I started receiving email notices that withdrawals were being made out of my Cash App account. There were 5 withdrawals totaling the entire amount in the account of {$2600.00}. The email stated that withdrawals were taking place at a XXXX store in XXXX XXXX. I was XXXX XXXX  at the time while my debit card was locked up at home in XXXX, XXXX. I'd never shared my account information with anyone so obviously I was puzzled and completely taken aback by my account being drained of all the savings I had in a matter of minutes. When I got back to my friends house I looked up Cash App website for support to try to retrieve my funds. Unfortunately the website support number provided was the actual scammers who got my checking account information from me and cleaned out my XXXX XXXX account. ( XXXX XXXX replaced the scammed monies ). I finally got a number from my employer who was paying me through Cash App. Ultimately Cash App closed the investigation stating that I had violated their policy and they would not reopen the investigation. It was just last week that sent me information about their policy but they still never made it clear to me what policy I supposedly violated. I'm still confused as to how I may have violated a policy that make this fraud ( Stealing my money from my account ) unqualified for proper investigation and my account made whole again. Detective XXXX XXXX of the XXXX Police Dept. surmises that an actual card was used which might be their claim He also theorized that I used the card at an ATM with a device attached which stole my card number and pin then duplicated the card. I only know that I never shared my information with anyone. That I was in XXXX XXXX  at the time and my card was home in XXXX XXXX. I still have the card.
Consumer complaint received 2020-06-24
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. (AL)

I Requested an investigation on 3 Collection items that were reporting to my credit report. Requested verification from XXXX XXXX account # XXXX, # XXXX and # XXXX twice. Once in XX/XX/XXXX and again XX/XX/XXXX. I requested validation from XXXX XXXX XXXX  and I have not yet to receive any response from them. The credit bureaus XXXX  and Transunion deemed these3 accounts verified. I want to know how it is that they were able to verify this account when I saw I received nothing from the collection agencies myself proving verification. I'm asking the CFPB to step in and help me resolve this issue. Thanks
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

I have been a CashApp user since 2018 with no problems, starting two months ago I noticed people I didn't know trying to get my account to send them money, I have about 5-10 requests for money from me, ranging fron $ XXXX {$500.00} which only {$1.00} was taken from my account. I notified CashApp about the problem. i was told to log out, when I logged back in I was made to make a second account, I notified CashApp again, I was told to log out again, when I logged back in a third account needed to be made, all while tiring to get back to my first account which has a total of {$40.00} in it, I have so many emails which only asks me to copy and paste the same information over and over. CashApp has yet to help me retrieve my original account or my {$40.00}