davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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. (TX)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-16
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. (MO)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance Owed : {$3900.00}, XXXX XXXX Balance Owed : {$7400.00}, XXXX XXXX Balance Owed : {$4600.00}, XXXX XXXX Balance Owed : {$330.00}, XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CA)

With approval of this Barclay Visa card last year it was understood that a promotional interest free period of 12 months for the purchase of XXXX products which was done. Funny thing is that this interest free was about to expire ( last year ) and the interest free would not be unless the entire balance due on the card was paid. Essentially extorting the full balance of the card. Okay balance was managed and paid. So this year purchasing another XXXX product this same tactic was " automatically '' applied for interest free. No way to choose regular or promotional like my other Visa card. One XXXX product, two XXXX products, three XXXX products generated three different promotional dates of expiration. Once again all three dates are separate in time and interest accrued. Paying off the earliest balance ( $ XXXX ) does not remove the expiration. Even though in the last six months have paid {$1000.00} to pay off at the very least that first " promotional interest free balance due to expire XX/XX/2020. Indicating that the interest will be charged at the end of that expiration etc. Once again the entire full balance of the card MUST be paid in order for " interest free '' to be interest free. All the while interest is charged for nonXXXX products purchased. Isn't this double billing on interest. Can't pay off the balance for interest free, while charging interest on periodic balances. XXXX!
Consumer complaint received 2020-06-17
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 was made aware of some accounts that were opened in my name without my permission. I found out about these accounts today XX/XX/20 because I got my credit ran since I am trying to buy a house. The real estate agent I'm working with told me I would not qualify for the home loan because of all of these accounts reflecting badly on my credit. I looked through each account and none of them are mine. I did not open any of these accounts and I have never allowed anyone to open any account in my name using my personal information. I have no idea who could have opened these accounts without my permission but I have already filed a police report. I do not have any written/verbal contract with any of these companies nor did I benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I also filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

PayPal had an inactive account in my name with an old bank account, my account marked as suspicious activity and I was unable to login and verify what was going on until I could reactivate an email address that this was associated with! 
However, allowed purchases from XXXX during a worldwide pandemic With multiple purchases made on the same day from - Completed XX/XX/2020 XXXX - XXXX XXXX XXXX XXXX  XXXX ( XXXX ) - negative {$47.00} XX/XX/2020Retail Payment Track Shipment XXXX - XXXX XXXX XXXX XXXX   XXXX ( XXXX ) - negative {$47.00} XX/XX/2020Retail Payment Track Shipment Loading transaction details for XXXX - XXXX XXXX XXXX XXXX XXXX ( XXXX ) - negative {$47.00} XX/XX/2020Retail Payment Track Shipment XXXX  - XXXX XXXX XXXX ( XXXX  ) - negative {$44.00} XX/XX/2020Retail Payment Track Shipment XXXX - XXXX XXXX   XXXX ( XXXX  ) - negative {$44.00} XX/XX/2020Retail Payment Track Shipment Loading transaction details for XXXX - XXXX   XXXX XXXX ( XXXX ) - negative {$44.00} XX/XX/2020Retail Payment Track Shipment XXXX  - ( XXXX ) - negative {$26.00} XX/XX/2020  Payment Track Shipment XXXX - ( XXXX ) - negative {$26.00} XX/XX/2020 Payment Track Shipment Loading transaction details for XXXX - ( XXXX ) - negative {$26.00} XX/XX/2020 Payment Track Shipment XXXX - ( XXXX ) - negative {$18.00} XX/XX/2020Retail Payment XXXX - ( XXXX  ) Since XXXX I have tried everything to resolve this with PayPal, however their stance is this is Normal for my account. 

Its absolutely theft and deception. They do not have anyone to contact in the USA as they do not have a phone center in operation. 

They continue to have me write letters just to decline my claim that purchases from XXXX from a closed account are normal? 

This has got to stop! This is abuse of power!
Consumer complaint received 2020-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

AD ASTRA RECOVERY SERVICE is trying to collect on behalf of 12 XXXX XXXX XXXX XXXX for an unknown debt. AD ASTRA RECOVERY SERVICE has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$2600.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA
Consumer complaint received 2022-05-16
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. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports XXXX XXXX XXXX XXXX Balance : {$12000.00} DPT EDXXXX XXXX Balance : {$10000.00} DPT EDXXXX XXXXXXXX Balance : {$470.00} DPT EDXXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$880.00}
Consumer complaint received 2020-06-17
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. (CA)

I was made aware of some accounts that were opened in my name without my permission. I found out about these accounts today XX/XX/20 because I got my credit ran since I am trying to buy a house. The real estate agent I'm working with told me I would not qualify for the home loan because of all of these accounts reflecting badly on my credit. I looked through each account and none of them are mine. I did not open any of these accounts and I have never allowed anyone to open any account in my name using my personal information. I have no idea who could have opened these accounts without my permission but I have already filed a police report. I do not have any written/verbal contract with any of these companies nor did I benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I also filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

On XX/XX/XXXX I was laid off. I applied and was accepted for unemployment benefits on XX/XX/XXXX. The unemployment office then ordered me a US bank ReliaCard even though I had already had my bank fax the unemployment office my checking account info for direct deposit. On XX/XX/XXXX my card should of been mailed but I did not receive it and no I didn't accidentally throw it away. I open all my mail. Ive received 4payments as of today XX/XX/2020. With a total of {$1800.00} on the US bank card. I need my money to pay my bills. Ive tried calling US bank ReliaCard everyday for that last two weeks and Im put on hold then hung up on.Ive exasperated all options to find my card that I believe was never mailed to me to begin with. I called XXXX XXXX XXXX XXXX XXXX XXXX today and will continue to call them along with the business bureau until I get the action that is needed. Thanks for your attention to this matter in advance. XXXX XXXX XXXX
Consumer complaint received 2020-06-11
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: CITIBANK, N.A. (MS)

Their was some fraudulent activity on my Macy 's Amex credit card that started in XXXX. I reached out to them and ordered my transactions from XXXX. The amount from the transactions added to {$850.00} from the form that was sent to me, but my balance was over {$2500.00}. I sent an identity theft dispute letter XX/XX/XXXX along with police & identify theft report, and Macy 's transaction form to all three of the major credit reporting companies and Macy 's responded by saying " We have completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question ''. I followed up with a Second Written Request on XX/XX/XXXX.
Consumer complaint received 2024-02-26
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. (MO)

I recently noticed a hard inquiry on my credit report from XXXX, XXXX and Experian. 

This inquiry was from XXXX ( XXXX XXXX ) on XX/XX/2023. I did not authorize the hard pull of my credit, nor do I recognize the name of the company. I only requested that XXXX XXXX XXXX XXXX be used for the purpose of my loan, which I was already a customer at XXXX XXXX XXXX XXXX. 

Please have this inquiry removed because it was UNAUTHORIZED and the ONLY authorization should be XXXX XXXX XXXX XXXX, as that is where I belong, and that is where I secured the loan.
Consumer complaint received 2020-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (FL)

We received an email from Cedars Business Services LLC XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX, asking for a total of {$1900.00}, related to a speeding ticket issued in XXXXXXXX XXXX XXXX, XXXX. In the attachments are the email and letter received in the mail with the details of the case ( Their file XXXX, Account # XXXX XXXX, principal balance {$1900.00} ). 
I am not familiar with this situation so I did some research with the XXXX XXXX in XXXX XXXX  and XXXX. We cross email, and also included in the attachment. The recommendation was to pay immediately, thing that we did. 
We sent a Wire transfer of XXXX euros to XXXX XXXX according to the instructions on their web page, and also included in the attachments. 
The debt collector is sending us emails, and letter by mail asking for the payment, that is was already honored and commented by the XXXX ( people in charge for the collections in XXXX ) representative, as mentioned in the emails. 
Also in those emails, the comment that they will report to the XXXX XXXX XXXX, that the debt is fully honored and no more pending on our account as reflected in the attachment notes. 
In XXXX magazine there was a good article on debt collection, so we decided to contact You for help in how to be removed from this process
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I submitted a payment for my interest only mortgage for XX/XX/2020. Instead of my regular payment amount of {$1300.00} being debited, Bank of America debited {$2600.00} and applied half to principal. I dont understand why they did this. 

They have no responded to my secure messages and I can't get anyone on the phone because wait times are over 90 minutes long. I have also asked to be removed from my deferral payment plan and put back on my regular monthly payment plan as it is very confusing on how to pay my regular bill at this point and have received no response.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

My card was blocked I called and verified all my information with the bank than my account was unlocked. Five minutes latter my account was locked again after spending up to 8 hours on the phone with the bank and going through several verification processes I was than told that the account was under review and that it could take up to 10 days for me to get a response to it. We are in the middle of a pandemic and I have no way to survive. In addition the bank is not giving me any information as to what is going on with my account and why it is under review. My bank is Citi Bank
Consumer complaint received 2017-10-13
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)

I consolidated all of my student loans with the US DEPT of ED and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 years.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been trying to talk to the fraud department for two weeks on hold for over 3 hrs and 40 minutes without any help as I type now I have been on hold for 3 hrs and 17 min and still no help I am occuring fees for late bills and payment DATE TRANSACTION  NAME TOTALED AMOUNT TRANS TYPE CHARGES IN A DAY XX/XX/2020 XXXX XXXX POSTED XXXX XX/XX/2020 XXXX XXXX POSTED XXXX XX/XX/2020 XXXX XXXX   XXXX POSTED 1 XX/XX/2020 XXXX XXXX POSTED 4 XX/XX/2020 XXXX  XXXX PENDING XXXX XX/XX/2020 XXXXXXXX XXXX POSTED XXXX XX/XX/2020 XXXX XXXX POSTED 2 XX/XX/2020 XXXX XXXX POSTED 1 XX/XX/2020 XXXX XXXX PENDING XXXX XX/XX/2020 XXXX XXXX XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX I XXXX PENDING 3 XX/XX/2020 XXXX XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXXXXXXXXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX XXXX  1 XX/XX/2020 XXXX   XXXX PURCHASE XXXX XX/XX/2020 XXXX XXXX XXXX   XXXX XX/XX/2020 XXXX ALL ACCESS XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX  XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX XXXX XXXX XXXX 2 XX/XX/2020 XXXX XXXX XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX PURCHASE 4 XX/XX/2020 XXXX XXXX XXXX PURCHASE XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX PURCHASE XXXX XX/XX/2020 XXXX XXXX  XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX  XXXX XXXX 1 Total owed to me XXXX XXXX
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

The bureaus are reporting a Bankruptcy on my credit file that is really old and past the credit reporting limit. Bankruptcy # XXXX. 

This account should no longer be on my credit and request the bureaus to remove it.
Consumer complaint received 2022-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

XX/XX/2022 On XX/XX/2022 I was scammed by someone portraying to be from my power Company stating that my power will be shut off in 30 minutes. He sent me a text to confirm that he was from XXXX and he knew my exact balance ( {$180.00} ) I said that I can make a payment to stop my power from being turned off. He said that they will only accept payment through Zelle, because Zelle is linked to your bank and they are there to protect you so that if someone was scamming you, then XXXX would notify you immediately.. I was unfamiliar with Zelle but remembered seeing it when I got on my mobile banking app thru XXXXXXXX XXXX. So with him knowing my exact balance, sent me a text with a verification code and explained how XXXX was there to protect me, I bought it. I thought back to when years prior XXXX would call me when there was suspicious activity and even closed my debit card on XXXX XXXX due to fraudulent activity. 
I was already late for work and so I started with {$100.00} payment, he said XXXX said you have to send {$180.00} then he said you actually have to send the full balance of {$180.00}. He said he'd refund the other transactions. My total payment was {$470.00}. 
When I got to work and tried calling the numbers that he called me from the numbers were disconnected. I contacted Zelle immediately, they said to contact my bank, So I called XXXX and they stated that they would have to wait until the transactions posted to my account which could take 24-48 hours. I also contacted the XXXX Police Dept., FBI, Attorney General, XXXX XXXX, and XXXX XXXX.