davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

Ordered flowers on their website XXXX on XX/XX/2023 order XXXX for {$130.00}. All I received was an emailed receipt. They took the money out of my bank account via my debit card and never delivered the flowers. I called both numbers listed and the phone rang and rang, and no one picked up and I got a voice message claiming voicemail was full and it hung up. Second number I called I got no answer at all and it disconnected me! I then called US Bank to try to stop the payment and she said they could not and has to dispute the charge. She then filed the dispute her name was XXXX. Complaint XXXX. This website and those running it are committing fraud and I want this complaint shared with the FTC, FBI Cybersecurity unit and IL and Oregon Attorney Generals offices!!!
Consumer complaint received 2018-05-17
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: Rocket Mortgage, LLC (NJ)

I initially entered the last 4 of my social security to obtain rates offered by the company because of the claim that it would not impact my credit report. This was the only way, it seemed, to get a display of possible mortgage rates. Following this event someone called me. 

I made sure the first thing was to verify that My initial act did not impact my report and this was so verified by the banker who called. During our conversation I explained I only needed to ask questions. He verified some of my information and I asked him what was the purpose or difference since who was on the phone, because I'm only asking questions. He said to provide a rate he has to pull my credit report. I told him I was not ready to shop and did not want my report pulled. He proceeded by asking what was wrong with my report and why was I so concerned. I had to ask him not to try to sell me and if I needed anything I would call since I now have a number. On XX/XX/XXXX I received an alert that there was a hard inquiry which impacted my report by -8 points. 

When I logged in I saw it pulled by XXXX. I did not know who this was but only recalled speaking with QUICKEN LOANS. When I contacted them they said they did run my credit. I asked them to correct the error with the credit bureau because I did not authorize them to run my report and specifically requested they do NOT run my credit. 

The issue was escalated and I received a call on Monday XX/XX/XXXX from XXXX XXXX, Resolution Advocate. She said they were pulling the recording to investigate and would contact me with a resolution by Wednesday XX/XX/XXXX. 

XXXX XXXX Contacted me again on XX/XX/XXXX and confirmed that I was correct, and that she counted 5 times where I specifically requested he does not run my report. However, she also explained that because they have access to my personal information they can legally run my credit report. I explained I was never a client, I had no relationship with their company, I simply wanted questions answered and under these conditions I needed them to contact the credit bureau and have this inquiry reversed but she said there is nothing further that could be done since they had the right to run my report since they had my information, even with my request to not run it.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ME)

Yesterday, I deposited virtually my paycheck with my phone from my school district. The direct deposit that was supposed to happen did not go through, so I had to do it by picking up the check in person and uploading it. My bank took {$1000.00} of a {$200.00} check. I have no way to pay my bills, as I have a {$99.00} insurance bill that is past due. I have {$100.00} to get through the week, and gas alone costs me {$15.00} a day. I can't buy groceries, nothing. I talked to XXXX people and they say there is nothing they can do about it nor will the put me through to someone who can. They have done this to me XXXX times. They say NSF fees will do this, but the only NSF fees I've accumulated with them have been because they put a payment on XXXX of their credit cards through twice along with not posting my deposits. The deposit just vanished. They gave me {$200.00} cash advance off that card, throwing me over my limit and are now charging me higher interest for that cash advance that I wouldn't have needed had they not bungled my account. USAA is horrid -- this is the fourth time they've frozen a small amount of money and I need my money NOW. I sat in the parking lot at XXXX yesterday trying to get them to release the money just so I could go inside and get my meds. They wouldn't. Please, please help.
Consumer complaint received 2023-11-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Porsche Financial Services, Inc. (TX)

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is showing Climb credit has me paying 30 days late, but I've been on auto pay since we started the loan. This is the 2nd time they've reported I was late when I have not been.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-27
Product: Credit 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: U.S. BANCORP (PA)

I made a purchase to what I thought was XXXX XXXX. Turns out I was scammed. They got into my online account, took my reward money and opened a savings account, change my password, my email account information. I noticed right away because received text messages my user and password were changed. My bank refunded my money, but then they took it back stating I authorized the payment when I made the purchase. They did refund my reward money that was taken. This doesn't make sense. XXXX XXXX is NOT XXXX  XXXX. How can I get my money back that was scammed?
Consumer complaint received 2023-11-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (TX)

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2023-07-11
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The company sent me an email that my payment was successful. When I checked my credit report I saw that I was late on car payments and my credit took a major hit. This affected me financially and mentally. I reached out and pointed out this was a mistake with their system. I have never missed a payment, never got a letter email, or call about the late payment error. XXXX XXXX said there was nothing they could do and I could call the credit bureaus to get information removed.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I've asked Capital One to stop sending me credit card offers. I already filed a complaint against them last year and I am again receiving offers. I want them to stop sending me credit card offers. 

Capital One sent me a credit card offer for their Quicksilver card in XX/XX/XXXX XXXX 

I don't want anyone intercepting my mail and applying for a credit card. I also have to spend MY time opening their mail and shredding my personal information. If I have to do this every week for multiple companies, it's a waste of my time.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-11-13
Product: Credit card — Store credit 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: CITIBANK, N.A. (VA)

In XXXX of XXXX I looked at my Macy 's statement and seen there was an additional interest charge for a 12-month promotional credit program that expired. The interest charge was {$520.00} for a purchase that was made for {$1600.00} on XX/XX/XXXX for a loveseat that was delivered and sent back because it was damaged. Macys took of the interest charge but not the charged amount. The loveseat was delivered but sent back and my account was not credited. Macy did remove the additional interest but didn't remove the charge for {$1600.00} from my account. I paid the entire balance of {$1600.00}. I've been trying since XXXX of XXXX to get this charge removed and I am not getting anywhere. Macys keep closing the case. I feel at this time there is nothing I can do about it unless I just don't pay my bill. Also, Macys is not allocating the paid monthly payments to the promotional balances evenly. This is causing us consumers to get hit with an extremely higher interest rate. They charge you the interest on the original balance and not what is the current balance. Macy changed the account number. The original account ended in XXXX. Now the account is XXXX. 

Macys is continuing to give me the run around. I have been trying to get this removed from my account for over six months.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am formally address the ongoing issue of fraudulent items on my credit file, marking my fifteenth attempt to rectify this matter. Despite many efforts to dispute and remove these fraudulent items, they continue to persist, causing significant distress and detriment to my financial well-being. 

I have diligently followed the protocols outlined by your organization to address this matter. However, the lack of action and resolution from your end is deeply concerning and unacceptable. As a consumer, I have the right to accurate and fair reporting of my credit history, and it is disheartening to witness the persistence of fraudulent activity without appropriate intervention. 

Furthermore, I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue over XXXX attempts. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Called and asked 4 times in past month to have a new escrow analysis, due to me paying off new supplemental property taxes. Nothing but lies about when I called, who I called, and what company I called. Carrington mortgage says the have a 3rd party tax company do it for them but then their own too, that do not communicate with each other. My property taxes are less here in California due to me being a XXXXXXXX XXXX. They are refusing to change my mortgage amount from the XXXX a month to my normal XXXX a month payment even when, or if at all this escrow analysis is even done. I also was basically harassed on the first of XXXX about weather I was going to make a payment for that month, and had to tell the to take me off a call list because we have 15 days legally to pay, and it had not even been one day before they called my workplace to harass me! How embarrassing is it that I've had over 8 banks in my life for my home and this is the only one who purposely messes up your account in order to try and scam money from you. I have a good feeling that even after being told by 3 different people at Carrington that my escrow analysis would not be done, the date is constantly changed on me when it will happen, who it will happen by, or if it will happen at all. This company is morally bankrupt and im ashamed to be a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OK)

Approximately XXXX of 2023 my identity was stolen and many email accounts and financial accounts became compromised. 2 of such accounts were with Cash App. I immediately reported the issue to cash app in XXXX of 2023. On Tuesday, XX/XX/2023 at XXXXXXXX XXXX I received an email from Cash telling me the " investigation is complete. Based on the information you provided, we determined that your Cash App account was compromised and have secured your account for you. '' Naively, I believed a cash app representative that told me on the phone that the money sent from my Cash Balance during the dates my account was hijacked would be returned to my account. However, that did not happen. XX/XX/2023 I formally submitted via email a dispute of all monies sent from my Cash Balance from XXXX XXXX XXXX, 2023 for one of the accounts. The other account that was compromised had only XXXX purchases that I have been told there is NO WAY POSSIBLE to recoup that approx. {$12000.00} stolen via XXXX. There was a substantial amount of money totaling over {$20000.00} that came into my other account that was for my daughter and I to obtain housing and necessities to live. I was told via email that they investigation would again take another 10 days. Within a few hours after submitting my claim my Cash account was CLOSED, and suddenly I start getting the run around about the monetary claim. I was given a different case number but could not get an explanation for why there were XXXX different claim numbers unnecessarily. I was denied a provisional credit even after the 10 days that is stated to be available on the Cash app monthly statement. I have not been given a reason why any of my claims have been denied, and any questions via email or support chat that I ask are ALWAYS answered with an automated response that generally doesn't even answer my question. I have asked repeatedly for help with this matter via email, phone calls and support chat but only get tossed to the side and told they have given me all information available and they disconnect the call or chat or stop responding via email. I just want the money sent out of MY account to be returned. Due to all of this my child and I lost our house the day before XXXX because every bit of money I had was in my Cash accounts that were hacked and my money stolen by someone else. The device used to send the money was not my device. My device is a XXXX XXXX XXXX. Period. I have only lived and accessed Cash app from my home town of XXXX, Oklahoma. I have not traveled outside of this city in a very long time due to medical issues. Please help me get my money back, so my daughter and I can have a safe place to live again before XXXX. I will be attaching all the charges and correspondence via email that I am allowed. Thank you in advance for your time.
Consumer complaint received 2018-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX I sent a response to a Collection Agency named XXXX  XXXX XXXX XXXX who claim that I have a debt of {$970.00} through Capital One. This Account is not mine and the address associated with this account I have NEVER lived at. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State Licence and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so so they must remove this account. The only Proof they have been sending is credit card statements from years ago that dont even have my real address, this is not valid evidence that this is my debt, especially since I never lived at the address on those bills. They sent several letters to me with the same identical packet of information and nothinng new or what I asked them for.
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, XXXX XXXX XXXX XXXX added a debt in the amount of {$500.00} onto my credit file unjustly. I do not have a contract or legal agreement with the company and this debt does not belong to me. I disputed this item with Transunion and XXXX and the item was successfully removed since they failed to provide proof however they have placed the item back onto my credit file again and this is causing my credit score to decrease. I am in the process of purchasing my first home and this is affecting my ability to qualify for a mortgage. I called XXXX and Transunion to have this item removed again and they are refusing to remove the item again.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IN)

The credit report information is incorrect These accounts have been closed # XXXX # XXXX # XXXX The account should be removed from my consumer credit profile This account should be removed from the three credit bureaus - XXXX - XXXX - XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Trans Union hold times are over an hour. The website is junk, I can not get a report, start a dispute or even unfreeze my credit. NOTHING WORKS! Then you can NEVER reach a person.
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I have been paying my car note on time with a 25.99 % apr for over 2 years.never had a late payment.my balance is not budging even tho i pay {$550.00} a month.they told me they can not lower the payments or refinance.so i fell or hardship and asked for a payment plan until im able to catch up and oay it in full.i was informed that i wouldnt have a delinquent account if i paid the {$100.00} per month.i 've paid it each month but they still are reporting my account as delinquent and pass due.i asked them to fix it being that i was misinformed and they declined.my credit has dropped XXXX points because of this and i was in the process or purchasing a home