davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (GA)

Upgrade , Inc. claims I owe them XXXX on a line of credit promissory note ( which doesn't make sense ) that they signed on my behalf without my permission. However, they can't prove to me that they sent me any money or why I owe them this money. I talked to them on the phone and they kept asking me for my bank account information to prove that I never received any money. I refuse to give them my banking info as I am concerned they will find a way to take money out of my account! I filed this complaint before under # XXXX and it was closed ; but now they have placed it on my credit and they are threatening to accelerate payments and demand payment in full on a debt I don't owe. I told their rep. to take me to court and I would show my bank acct info to a judge. However, I feel it is incumbent on them to prove they sent me the money. After all if they sent money to my bank account it will not be exposing confidential information to tell me what account they sent it to, would it? They need to prove I owe them this money! Any business that would send {$6500.00} to a bank account and not have proof of what account they sent it to is either incompetent or lying!!! I am attaching a police report, their phony loan document and a cover letter I sent to the credit services.
Consumer complaint received 2024-04-11
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NV)

I was given a AMEX gift card in XX/XX/2024 for {$500.00}. when I opened it up inside the card board sleeve was a XXXX XXXX gift card for {$500.00}. Amex would not give the money back and the XXXX gift card was compromised as well, I contacted the person that gave me the card for receipts and contacted the store as well. I was told there are no refunds on gift card purchases. I contacted AMEX and XXXX and opened a case with them on XX/XX/2024 I faxed copies of the card sleeve and receipts XXXX times. On XX/XX/XXXX, they claimed they had them and were working to resolve the case and it would be XXXX  days. I have contacted the office working on my case every XXXX  days since this started and now they are telling me they dont have my paper work as of XX/XX/2024 and they are escalating my case. I get blown off every time I call them. Please help.
Consumer complaint received 2021-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

I received a call from XXXX. I answered and they asked for my name and SSN. I asked what they were calling about and they said it's related to my student loans through FedLoan but they couldn't tell me why they were calling for my 'security ' until I verified my information and including my SSN. I only gave them my last 4 of my SSN because they said they were calling from American Education Services, so I thought that was safe enough since they were calling related to my federal student loans. They let me know that my funds were being transferred to another servicer and that I can set up my auto payments once they are fully transferred ( all accurate ). However, I was thrown off by not getting a call from an XXXX number and even tried to call the XXXX number back and there is no dial tone, so I am worried that I made a mistake in giving them even my last 4 of SSN. No amounts of money have been taken from my accounts yet and I have frozen my credit and cards.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Early in the morning on XXXX I deposited a {$3000.00} cashier 's check into my checking account and the bank placed an extended hold. This is a next day item. The funds should be available after one business day. I have properly maintained a checking account at Bank of America for over twenty years. I need the funds available so I can pay the rent on my apartment. On XXXX at XXXXXXXX XXXX I made a twenty minute call to customer service. I spoke with XXXX and XXXX and neither one could help me.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (CO)

VW Credit is reporting inaccurate information about a closed account to XXXX and XXXX. The account should no longer be included on my credit report. They are reporting the accounts first date of delinquency as XXXX XXXX. The account was opened in XXXX XXXX for a period of XXXX months. How is it possible that date of first delinquency is reported XXXX months after the account was meant to close? It seems that they are deliberately providing false information to the credit reporting agencies so that this account remains on my credit report, even though more than XXXX years have passed.
Consumer complaint received 2021-12-30
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. (OH)

My name is XXXX XXXX XXXX, I had filed a complaint a few years ago I was the victim of fraud and I had to get my ID security PIN from the credit bureaus. I recently discovered some of the same issues this year I need the following unrecognized address removed from my credit file I believe they are attached to some fraudulent activities from the past I need them deleted immediately as soon as possible. I am in the middle of buying my home and it is causing some verification issues. 
Please delete the following addresses : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also found issues with my name being spelled wrong my correct spelling is XXXX XXXX XXXX please delete any variation or misspellings of my name.
Consumer complaint received 2021-12-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

This is a second complaint following CFPB Complaint Number XXXX. 

Bank of America never addressed the fact that all the fraudulent charges were made well outside the area in which I live, and in areas I never traveled. 

Bank of America acknowledged the fraudulent charges by removing/crediting the interest charged on those charges over the last several months. 

On my prior complaint I received one call from Bank of America. I returned their call and left messages on five ( 5 ) separate occasions, and never received a callback. Bank of America closed the complaint and re-sent the same documentation I'd already received prior to me filing the complaint in the first place. 

Bank of America has falsely asserted they've conducted an investigation into the fraudulent charges on my account. They have never addressed the fact that all charges were made inconsistent with my spending patterns ( I do not make charges in XXXX, OH, or XXXX XXXX, CA. Moreover, I do not and have never had an account with XXXX ). 

Bank of America claims to not hold their cardholders responsible for charges for which the cardholder is not responsible, yet refuse to look into the fact that all 8 of the fraudulent charges still on my account were made outside my area, and inconsistent with my spending patterns in terms of merchants ( XXXX XXXX XXXX XXXX ), or area ( XXXX, OH, California ).
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

i HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-12-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC (MO)

I borrowed {$300.00} from QC Financial and they charged me 500 per cent interest making the total loan {$690.00} over a 6 month period at {$110.00} per month. I want investigation into QC Financial charging such Usuary Rates of Interest.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

My Wells Fargo mortgage was paid off in XX/XX/XXXX. Yet, it reported on XXXX  behind 120 days in XX/XX/XXXXfrom XX/XX/XXXXthrough XX/XX/XXXX. This is impossible as the mortgage was already paid in full. Both XXXX and XXXX  are reporting this correctly. XXXX   is the only one not reporting correctly and I've reached out to them numerous times to correct this erroneous information.
Consumer complaint received 2020-03-02
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 because I was alerted by my social security card getting stolen and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is incorrect. I have never applied for these items or gave anyone authorization to. 

XXXX XXXX {$780.00} XXXX  XXXX {$810.00} XXXX XXXX  XXXX {$810.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} COLLECTION XXXX {$210.00} XXXX  XXXX {$590.00}
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CASHCALL, INC. (CA)

I am writing this complaint to resolve the issue of my funds being garnished and taken out of my account without my authorization. Money has been taken out of my account on XXXX separate occasions. The first was for {$1500.00} and the second one was for another {$1500.00} totaling in {$3000.00} being taken from my account. I called the debt collector XXXX XXXX in XX/XX/2019 and let them know I was a victim of identity theft and that my information was used in taking out multiple loans through out the USA. I informed them I have a police report filed and filed a complaint with the ftc as well. Also, I advised there is a current freeze on all XXXX of my credit reporting files due to this identity theft. When I spoke with them on the phone they were uninterested in helping me resolve this issue and their sole concern was how to collect the debt. They never asked me to send any of the records XXXX  showing where it was due to identity theft. I was never provided any verification of the debt which breaks the Fair Debt Collection Practices Act.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (DC)

In early XX/XX/2019 on a Frontier Airline flight to Colorado the flight attendant made a very compelling sales pitch for the Frontier Airlines Master Card credit card ( through Barclaycard ). She said it was unique because unlike other cards we wouldn't have to wait several billing cycles to get the XXXX promotional mileage points. As soon as we paid the annual fee of {$79.00} and made a single purchase in any amount, the points would be deposited into our Frontier mileage account. We took her up on the offer, got two forms and both my husband and I applied with the short one page application on the flight and handed in the applications. 

We were both approved a few weeks later and received our cards. We were billed the {$79.00} on XX/XX/XXXX, I made my first purchase on XX/XX/XXXX, and my husband on XX/XX/XXXX. We both paid our credit card bills in full on XX/XX/XXXX. We waited for points to be deposited and when they didn't appear I called Barclays account service department. They told us that their policy was that the bonus points would be deposited 4 to 6 weeks from the date we paid the first statement bill if we had also paid the annual fee. They said this information was in the fine print of the documentation they sent out with the cards. 

I told the account supervisor that we applied for the cards on the basis of the information we were given on the flight by the attendant, and in the form she gave us and we signed. It said nothing about 4-6 weeks from the date of first payment. This is false and misleading marketing. We applied for both cards in order to save hundreds if not thousands of dollars on holiday airfare. By waiting in vain for the points to appear we put off purchasing airline tickets, and the cost of the travel we need to book has now gone up substantially. 

This is nothing more than a marketing scam. I told the supervisor at Barclays that we wanted them to honor the deal offered by the Frontier representative and to deposit the miles into our account immediately. They said they had a process that wasn't aligned with what the frontier representative told us, and that there was nothing they could do.
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (KY)

I am behind on my mortgage and I reach out to get help from my morgage company my husband not able to work he hurt and told them this they do not want to help or offer me a loan modification I ask for a forebearance to help me get cought up till my husban can return to work they said I can pay all the bills ( electric, water, my lot payment of {$330.00} and Mortgage at {$810.00} on just my pay and by food and gas. I really need some help.
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TX)

AFNI at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX has been sending me collection notices in the amount of {$4400.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OH)

I was told my synchrony Bank that sometimes in XX/XX/XXXX i OPENED a value city furniture account in the amount of XXXX. I opened a fraud claim with them as THIS WAS NEVER OPENED by me. They later one transfer this case to collection and for XXXX times I was summoned to appear at the court of common plea in XXXX ohio. This case has now been dismissed by the court as it was determined I did not own this money. In XXXX I did not even know of synchrony Bank. The only furniture I bought was in XXXX and the creditor was XXXX XXXX XXXX company. This transaction has been hurting my credit report since then and I want this to be removed from my account which is why XXXX asked me to file this report.
Consumer complaint received 2018-03-02
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have contacted all three credit bureaus XXXX, Experian, and XXXX  on XX/XX/XXXX and these inquires and addresses have not been removed. 

Credit Inquiries The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX CO Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX The following addresses are not related to me for any purposes : Former Address2 XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address3 XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address4 XXXX XXXX XXXX XXXX, VAXXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address5 XXXX XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Former Address6 XXXX XXXX   XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Please remove these inquiries and addresses from my credit report immediately. I have enclosed a copy of my drivers license as proof of my identity. 


Respectfully, XXXX XXXX XXXX
Consumer complaint received 2021-12-30
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. (NC)

My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. 

To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. 

I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. 

If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete it.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

i HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-06-23
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I was trying to make a payment to Select Portfolio Servicing on XXXX/XXXX/2016 and it was refused. They threatened to put a foreclosure on my home.. In XXXX I filed a RMA Modification with them, they 've been making constant claims that they have not receive the XXXX pages needed almost deterring progress, they 've been giving me the run around after receiving the XXXX pages and then proceeding to ask for all pages, the first set of forms were faxed and mailed. I uploaded the form on XXXX/XXXX/2016 waiting to hear from them.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (FL)

I recently was reviewing my credit report and noticed that a lot of these accounts and inquires do not belong to me, I've listed the following accounts below. 



Account name XXXX XXXX Account number XXXX Date opened XX/XX/2022
Consumer complaint received 2022-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch (GA)

I received a letter from the agency on XX/XX/XXXX stating that my physician had sent a debt for a medical bill to them. I immediately disputed this debt in writing, since the bill in question had been paid. I am continuing to receive bills from the collections agency after disputing the debt.