davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2024 I tried using a prepaid American Express gift card ( that held a {$540.00} balance ) to purchase items from XXXX totaling {$470.00}. I know for certain that I entered the card information properly as I see two {$0.00} cent pending charges from XXXX on the card transaction summary that are probably for verifying that it is a legitimate card. However, I just got a shipping notification email from XXXX where it indicated that the packages have been shipped, but it charged my personal credit card as a backup payment option as the American Express gift card payment didn't go through. On the order details on XXXX it states " Backup payment method used We couldn't charge the American Express ending in XXXX, so we charged your backup payment method MasterCard ending in XXXX. '' Looking online it appears that many people run into the same issues that I have run into. I don't understand how you can advertise and sell a prepaid gift card product that you provide instructions for to use for stores online and yet it doesn't work. Seems pretty illegitimate that people pay money for a gift card, and money can't be taken out of this gift card for use in online purchases which is one of the intended usages of this gift card. I'll keep in mind to never ever gift anyone an AMEX prepaid gift card, and I will do my best to ensure I never receive a gift of an AMEX prepaid gift card ever again, and will do my best to alert my friends the same.
Consumer complaint received 2021-06-21
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: National Business Factors (NV)

I sent in my police report and my affidavit to the three credit bureaus that is enclosed with this complaint. I contacted XXXX and XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after providing police dept and filing a police report and identity theft affidavit. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. They claim the collection agency verified this fraudulent account yet i never received anything from the collection agency.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including one bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these suspicious accounts from my credit profile.
Consumer complaint received 2021-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent in my police report and my affidavit to the three credit bureaus that is enclosed with this complaint. I contacted Transunion and XXXX  Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after providing police dept and filing a police report and identity theft affidavit. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with XXXX XXXX, Defamation of character. They claim the collection agency verified this fraudulent account yet i never received anything from the collection agency.
Consumer complaint received 2020-04-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX in an attempt to collect a debt in the amount of {$5700.00}. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''. This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account before I even received the letter from XXXX XXXX XXXX. This was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name Jefferson Capital System ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX. The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''. Please be advised I have requested VALIDATION { not verification } ( Notarized and Emailed on XX/XX/XXXX -- Still Within The 30 Days of XX/XX/XXXX ) of an item sold to XXXX XXXX XXXX by the original creditor/collection agency. I have received a response that clearly violates my rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the above mentioned accounts.
Consumer complaint received 2021-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Business Factors (NV)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent accounts and are. I have never had any goods or services with NATIONAL BUSINESS FACT ACCT XXXX AND NATIONAL BUSINESS FACT ACCT XXXX or their affiliates XXXX XXXX XXXX XXXX they are knowingly and willingly reporting this fraudulent accounts and verifying them. They have caused me great damage and embarrassment also with emotional distress. I have also never received any Correspondence after sending the agency numerous disputes.
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have asked TransUnion to correct my name several times as I am not known by the last name of XXXX. I was married on XX/XX/XXXX and my last name is XXXX. I have also asked Trans Union to provide me with proof I authorized the inquiries on my account. Most recently, they responded with a letter sent to XXXX XXXX on XX/XX/XXXX. My credit report shows my name as aka XXXX XXXX XXXX! This makes it difficult to receive mail because XXXX XXXX is no longer my legal name. I have forwarded my marriage license and updated drivers license but they still refuse to update my file.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX  XXXX  is showing on my credit report that I owe them {$440.00}. I have been out of the country doing XXXX XXXX came back after 5 years overseas to find out someone open a XXXX  XXXX XXXX  account and my name this is not mine I have never had a XXXX  XXXX XXXX account this needs to be deleted from my credit reports today I did not open this account this account is not mine
Consumer complaint received 2024-02-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Card was denied multiple times and merchant said card company denied the charge. I called AMEX Prepaid gift cards and they were unable to answer why the card was declined. Said they could not replace or refund for at least 10 days
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

the credit card company ( barclaycard ) put a hold on my {$1500.00} payment despite the fact that the {$1500.00} was debited in the checking account ending in ____. what pains me is that i have used this checking account to make my payments for the last three years. this is the second time that they have done this to me. kindly please penalize them to the maximum amount that the law provides. 

i have emailed the credit card company twice and no response. i have called the customer service and got a hold of someone but he told me he can not help me. 

Respectfully, XXXX
Consumer complaint received 2020-01-01
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (CA)

On XX/XX/XXXX around XXXX XXXX two guys show up at my home asking if I was XXXX XXXX I told one of the guys yes, he then said that they were here to pick up the car, that I have been paying for almost 2 years now. I told them I don't know what you are talking about I pay for my car every month. next, I proceeded to call to loan company GM finance I was put on hold then transfer to a different department upon speaking to the person on the phone she that my loan was charge was back in XX/XX/XXXX by GM finance I was shocked I could not believe this was happening. I began to ask her if the loan was charged off why is GM finance still taken my monies every month, she said that payment was going to the lease and I would have to give them a total of XXXX XXXX dollars to be able to get my car out of the repo. She then told me that is the only I would be to get my car back but I would still return the car back to them. I never receive any paperwork from GM finance stating that I was behind on my payments nor informing me that they charge off my loan that I have been paying $ XXXX insurance. by Law, if an account has been charge off the company should not be still taken my payments and not apply them to my account. I should be paying a collection company GM finance. also, the account on my credit report still shows that my account is in good standing but only shows two payments on XXXX and all payment on XXXX.
Consumer complaint received 2021-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: VW Credit, Inc (SC)

This loan was a end of lease purchase : never had a 30 day late although pretty much run loan payment more than 20 days due to other financial reasons. Don't think loan should have been underwritten as a Teer 3, maybe Teer 2 at best due to high utilization not bad credit or delinquency. But this is not my biggest problem, I have some control in the near future in possibly seeking a loan from my credit union. The biggest issue is getting the Robo auto dial calls at least 10 or more times a day, can show on my cell call logs, everyday except Sunday, I think the phone bliss should be illegal, with all the other stress I am currently dealing with is starting to effect my health. I have not missed a single payment on none of my bills, just run over 20 but never 30 days. 

I am getting bliss with auto calls from this VW credit on a daily routine, I wish they were local so go pay a visit, but its most likely best there not because you all have no idea what goes through my mind at times that I don't want to disclose. I will be drafting a stop order on phone calls which is protected by Fair Credit Act
Consumer complaint received 2020-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: VEROS CREDIT, LLC. (FL)

Back on XX/XX/XXXX I submitted a complaint with the CFPB in regards to a company by the name of Veros Credit and included in that complaint was a law firm by the name of XXXX XXXX XXXX, XXXX. and the attorney in question is XXXX XXXX ( bar # XXXX ). XXXX XXXX has fraudulently attached not one but three liens on a property that I have never owned or have ever been the owner of. The house belongs to my father and was purchased solely by him in XXXX. In reference to said complaint I then received a satisfaction of final judgement in the mail from the law offices of XXXX XXXX XXXX, XXXX Keep in mind that at that time there was only one lien on record, but as of XXXX there are three. Not only should the lien not have ever been placed on a property that is not mines and does not nor has it ever belonged to me, but it should've been removed back in XXXX. He needs to be held accountable for his fraudulent actions so I will be proceeding with this matter legally in court and I will also be filing a complaint with the Florida Bar in regards to this matter. 

I've attached photo proof showing who rightfully owns the property and I've also attached photo proof showing the three liens on the property with XXXX XXXX as the creditor.
Consumer complaint received 2021-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Inquires I have not authorized Never On my credit report Foursight CA XX/XX/2021 XXXX XXXX  XX/XX/20XXXX XXXX XXXXXXXX XX/XX/20XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021 Informed me to contact the credit companys XXXX XXXX XX/XX/202XXXX XXXX
Consumer complaint received 2021-06-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (AL)

The company I borrowed money from us based out of Kansas. The entity is speedy cash, the XXXX XXXX XXXX, XXXX XXXX, and related entities. First they hacked into my email and began tracking all of my email to my contacts. Then they began filling misinformation campaign against me through various entities. They gave run an illegal cyberstalking campaign against me, as well as paid individuals in auctioned cars and loaned to help harass me. Theyve also spread false news about me, and had me falsely XXXX. I tried to pay off my loans but lost my job. Ive paid the speedy cash loan several times, and they keep saying they cant get in contact with me and have garnished the same loan from me through XXXX law office in XXXX, Ks, XXXX they saying I still owe them. The harassment has been obscene.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have never in writing allow this company to share any information or furnish any information regarding my information to any party. They do not have a written consent to report or furnish my information to anyone. 

Pursuant to 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

THERE HAS NEVER BEEN ANY WRITTEN INSTRUCTION BY ME TO THIS COMPANY TO FURNISH MY DTATA TO ANY CREDIT REPORTING COMPNIES.
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2021 I spent numerous hours on the phone between Bank of America, XXXX XXXX and XXXX attempting to rectify misinformation about the discrepancies in reporting on : 1. Bank of American non-reporting on payments and with reporting that doesn't reflect accuracy of bank statement balance vs credit reporting to XXXX XXXX XXXX. 2. XXXX reporting on XXXX. 

Currently my credit score went fromXXXX to XXXX and I was told it resulted from two hard inquiries of reach I secured XXXX more in credit from XXXX. The second inquiry was made by XXXX XXXX  whom made a one time credit inquiry based on securing a home load. Both inquiries was made two weeks apart and should not have resulted in a 43 point drop in my credit score. I was informed that the 2 hard credit inquiries, negative payments and lack of information on my home mortgage was resulting factors in a 43 point drop on my credit score. I do not meet the criteria for either of the listings for the drop in my credit report. 

I have a case number for Bank of Americas dispute and a pending dispute with XXXX on state items. 

In addition, I am a paid credit card monitoring member through XXXX and I have attained no help with resolving these matters on neither a pre or post basis of changes in my score and for its reasoning. The paid membership appears to be unassisted in its duties as outlined in the product service policy.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

these banks & companies listed below obtain a hard copy of my credit reporting resulting in hard inquiries from all 3 major bureaus XXXX, transunion and XXXX  that i did not authorize nor did i inquire with these companies listed below about applying for any new credit cards or loans this was done fraudulent and any account associated with these inquiries are fraudulent XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX on XX/XX/2020 XXXX on XX/XX/XXXX & XX/XX/XXXX of XXXX  XXXX XXXX on XX/XX/2020 XXXX  XXXX XXXX  XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX  on XX/XX/2020 XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX XXXX
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including one bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these suspicious accounts from my credit profile.
Consumer complaint received 2021-06-20
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I am an XXXX at the XXXX XXXX XXXX XXXX. I sent in my police report and my notarized affidavit to the three credit bureaus I called last month and talked to XXXX from XXXX  Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to the XXXX XXXX XXXX office where i am employed and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them On Friday XX/XX/XXXX exactly at XXXXXXXX XXXX I spoke to XXXX who said he was from the fraud department integrity team and stated that and he didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Blok the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department. These fraudulent collections are not mine and need to be blocked from my credit report Under the Fair Credit Reporting Act Section 605B FAIR COLLECTIONS & OUT ACCT NUMBER XXXX AND XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (IL)

On XX/XX/2021, I sent a letter stating that I am not refusing to pay the debt but requesting a validation but they just sent me a simple statement from Citi. I kept on asking for validation but I got nothing but bills and statements. Attached is all the correspondence.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX {$190.00}