davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

The credit bureaus were notified that I was 30 days late on a payment to my Visa Credit card with my bank. I did attempt to make the payment ; twice! It seemed to go through, but both times the payments were later reversed. The only payments I have been able to make SUCCESSFULLY on this card are the ones I make in person at the branch. I have called the bank to see what is going wrong when I make online payments. I thought the problem was corrected, but it has not been. Since I do not see an " error '' message, or anything else to indicate the payments are not going through, I made the payments in good faith each month, thinking " this time it will work! ", but it never did. At no time in the payment process am I asked to type in the account number or any other number. I log in with my user name and password and then go into the credit card portal. I indicate which bank account I want to pay from and which amount, and then it is done. Again - no error message. I pay everything online. It all appeared to be fine. But, they were not going through. 
There is a 30 day late mark on my credit that should not be there. I am NEVER late on payments, for anything. I pleaded with the bank to help me, but to no avail. My credit score has dropped 40 points because of this!! 
Attached is a payment history for my credit card. The only payments that went through without the " payment reversal '' are the ones I paid in person, at the branch!
Consumer complaint received 2020-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

So I went to purchase a phone from someone in person, I sent them a payment through XXXX and the returned the payment because they wanted me to pay them in cash apparently, so I did just that. After paying them in cash, a few days later the XXXX they refunded me was taken out my account in form of an XXXX, but I didn't know the transaction was still going through because I thought she refunded it but apparently I was wrong, and so I asked XXXX to reverse the transaction and they told me they weren't able to and only my bank would be able to and so I asked my bank and they gave me the same response and to ask XXXX and they sent me back and forth literally XXXX times just for neither of them to be able to get my money back and for the lady to continue to say she didn't receive no money even though XXXX is saying she did.
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Linebarger Goggan Blair & Sampson LLP (IL)

XXXX XXXX XXXX in XXXX, California, and Linebarger Goggan Blair & Sampson are trying to collect a debt from me that I do not owe. They have placed a hold on my son 's back account ( I am on his account, but it is his money that he earned from his job and can prove ). According to their records, I have a traffic violation from XX/XX/XXXX with my old California Driver 's License. However, I have lived in Illinois since XX/XX/XXXX. When I got my license here in Illinois in XXXX, XXXX of the requirements was that I had to surrender my California driver 's license. Which I did. In XXXX, I did not have a California 's driver 's license. Also, in XXXX I gave birth on XX/XX/XXXX to my XXXX child. I found out in XX/XX/XXXX, that I was expecting my XXXX child. In XXXX my husband and I purchased our home. I was not working, as I was a XXXX XXXX XXXX mom. Our finances were extremely limited, and we were not traveling. This is not my debt, and I have enough information to prove that. I would like my son 's money returned, as that is the money he works for, to help pay his college fees.
Consumer complaint received 2020-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I qualify under Federal Guidelines for a PPP loan as a XXXX XXXX. However, I am unable to apply for a PPP loan at my bank [ Suntrust ] because i don't have a " Business Account '' with them, even though I have been a Suntrust Customer in good standing for many years and currently have several Bank accounts as well as a Credit Card and Mortgage with the Company. Over a year ago i was advised by my Suntrust Account Manager when i inquired about a Business account that my business didn't really have a need for the services that provided. But now i am being denied the ability to apply for a loan that i very clearly qualify for because i don't have an account that i was ADVISED NOT TO GET. This is money i qualify and that my business Desperately needs. This is VERY frustrating as i don't know where else to turn to apply for this loan.
Consumer complaint received 2022-12-29
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)

The following accounts below are reflected on my credit report as revolving credit cards that do not belong to me. I have tried reaching out to the creditors and to the credit bureaus to dispute and remove these fraudulent accounts but have not been successful in getting this resolved. This is impacting the ability to buy a home and I need this removed as soon as possible. Below are the accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Below are collection accounts that do not belong to me : - XXXX XXXX XXXX  {$2000.00} -XXXX XXXX {$5000.00} XXXX XXXX XXXX {$420.00} -XXXX  {$0.00} -XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (PA)

Hi, my name is XXXX XXXX and I have a critical issue going on dealing with Equifax. There are collection accounts noted on my account that are included in the documentation that I will upload that don't belong to me in which I filed an FTC report for. The information was removed across all 3 bureaus however, it has been 45 days since it was removed from equifax and they have sent me the conclusion of this information that it was removed from my report with my credit report. However, on XX/XX/XXXX recently these items appeared back on my report with no explanation or why these accounts are on my report which is a violation of numerous 15 USC Laws and FCRA violations.
Consumer complaint received 2020-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC (TN)

A company calling itself either XXXX XXXX  OR XXXX XXXX with one of the phone # 's of XXXX and by several different people ( one person named XXXX ) has been harassing us for the last several weeks. They have called both our home phone and my husband 's cell phone ( XXXX ) looking for someone with the first and last name of my husband. We have repeatedly told them the person is not my husband nor does that person live here. we have requested they quit calling to no avail. We do not appreciate their calling us at all hours nor do we need the aggravation during this time due to the fact that me, my husband and our grandson who returned from college at XXXX are XXXX   with the XXXX. my grandson is extremely ill and on XXXX. I am worn out from caring for the three of us. PLEASE make them stop calling.
Consumer complaint received 2020-04-06
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. (TN)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX XXXX {$5400.00} XXXX XXXX {$1200.00} XXXX XXXX {$72.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2020-04-06
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. (TN)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX  XXXX {$5400.00} XXXX XXXX {$1200.00} XXXX  XXXX {$72.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items.

I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX XXXX never late DEPT OF EDXXXX XXXX not mine DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX XXXX  not mine DEPT OF ED/XXXX  XXXX  not mine DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/NELNET XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT   OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Consumer complaint received 2020-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On or around XX/XX/XXXX, USAA abruptly closed my checking account. I was alarmed when I couldn't login to either phone app or web browser. I tried multiple times and then noticed the vague bubble popping up and fading stating that for security reasons, my account has been closed. I then contacted USAA. After a 35 minute hold awaiting the reason for not being able to access my account, the lady stated okay Sir, the reasons your account has been closed is because we at USAA have implemented a new policy and that policy gives USAA the right to use the option of closing your account. I asked, for what? She then stated because of a XXXX background XXXX charge on your account. I was so confused because I had been a member of USAA for 5 years now. I was lost for words and she then said thank you for your Service and for banking with USAA for 5 years is there anything else I can help you with? I said wow, really? What about my insurance? I have rental and car insurance. I just obtained a new policy. Well, I'm unsure about that let me transfer you to that department. The lady with the Auto insurance stated that my insurance policies were current and not cancellation was in place. Well, 2 weeks later, I received a letter stating my insurance policies were then closed immediately. I not only lost the money I just paid for my current month, but I did not have any access to my money to obtain new insurance. After I did find the best quote it is now {$65.00} more a month with less coverage. My rights and benefits as a veteran was snatched away because they decided to act on a new policy. 
It has caused me nothing but XXXX XXXX  as a veteran with XXXX and sleepless nights. This has caused me a loss in finances and so much more.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (OR)

I mailed my payment to Emerge early a bill I mailed on the same day was cashed on the XX/XX/XXXX my Emerge bill wasnt due until the XX/XX/XXXX of the next month. They held the check and didnt cash it until the XX/XX/XXXX. They charged me a {$19.00} dollar fee on XX/XX/XXXX and negatively impacted my credit. I wrote them a letter and disputed the charge. I received a letter back today dated XX/XX/20 from XXXX # XXXX refusing to correct fraudulent charge. 

Emerge XXXX XXXX XXXX XXXX, GA. XXXX
Consumer complaint received 2022-06-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Bogus collection accounts listed as other account on XXXX credit report. XXXX and XXXX has deleted these accounts however XXXX hasn't. XXXX says the accounts was verified. 
Portfolio Recovery Associate Acct # XXXX {$1500.00} Acct # XXXX {$2600.00} Portfolio Recovery Associate couldn't provide me with any binding contract or signature. They sent me statements on XX/XX/22 and the cover page says, This communication is from a debt collector but is not an attempt to collect a debt.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I only have 1 Capital 1 card with a XXXX credit limit. I canceled it and owe like {$300.00}. I been making payments on it every month. They have me with 2 cards on my credit and reporting past due on the one I have no knowledge of. I want it off my credit. Its hurting my credit badly
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (MI)

I've fallen prey to identity theft, and it's perplexing that only XXXX has removed the following fraudulent accounts. Nordstrom {$780.00}. XXXX {$5000.00}. Department of Education {$630.00}. Despite numerous attempts to validate the debt, both XXXX and XXXX have neglected to do so. My XXXX credit score stands at XXXX, but XXXX and XXXX are unfairly damaging my character and hindering my ability to lead a decent life by inaccurately reporting these accounts without evidence of my ownership.
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I filed a Identity Theft Report with the FTC and local police department. I can provide scans of both. 
I then, submitted a complaint with the CFPB against XXXX XXXX, who said theyd stop contacting me and stop trying to collect this debt ( due to the fact I do not owe it - it was the result of identity theft. ) They went away but then a couple days ago I received a letter from LVNV Funding Llc. stating they bought the debt. 
I immediately sent a certified letter on XXXX to LVNV Funding Llc. with the identity theft report, the data breach letters I received ( that resulted in my identity being stolen ), as well as proof of identity, and a dispute letter ( due to this debt not being mine ). 

Ive attached a photo of the letter mailed, my identity theft report, and other supporting documents.
Consumer complaint received 2017-10-13
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: ORG GC GP BUYER, LLC (NJ)

There is an account on my credit report from GC Services with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.
Consumer complaint received 2019-12-30
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: BARCLAYS BANK DELAWARE (WA)

Barclays Whyndham Credit Card. 

The company refuses to talk to me on the phone about the charges to my account. 

I have asked them on several occasions to stop allowing the charges they refuse. 

My Credit Card is max out due to the charges. 

I have a legal complaint the company who set of the account who is billing my credit card, I dont have any records. We have been defrauded by the company billing my card. 

I don't have any records of allowing them to charge my card they charges. 

All these charges are unauthorized. 

I am seeking legal action based on the out come of this complaint.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caneel Capital, LLC (NY)

Trinity Financial Services , LLC violated Regulation X by ( 1 ) failing to maintain a complete servicing file, ( 2 ) failing to obtain a complete servicing file from the prior servicer, and ( 3 ) failing to provide a complete response to a request for information.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

My father had his new debit card stolen and activated early XXXX. On XX/XX/XXXX he noticed purchases had been made at the XXXX store and XXXX about an hour away totaling over {$7000.00}. He closed that card and asked for a new one. That one was also stolen and used to make a {$2700.00} purchase at another XXXX store on XX/XX/XXXX. Wells Fargo has refused to refund the money or look into the charges as fraudulent
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MS)

Refinanced property with XXXX XXXX - terms included no escrow. UWM bought the loan. UWM initiated escrow due to the fact they had no proof insurance because they didnt change the mortgagee clause when they purchased the loan. The whole administration of this process was botched. I have reached out to UWM countless times. They continue to remove an additional {$800.00} per month from my account for escrow which were not the terms of the loan.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I deposited checks I had given my brother cash for which totaled about XXXX. Because the checks were in my brothers name Chase FROZE THE ENTIRE BALANCE IN MY ACCOUNTS. I can not access any of my money. I cant pay bills cant get gas cant buy food. They refuse to unlock my accounts until I bring my brother into the bank. I could understand if they froze the check balance or REFUSE THE DEPOSIT BUT TO LOCK UP THE ENTIRE ACCOUNT ALL MY MONEY IS ILLEGAL IM ALSO FILING COMPLAINTS WITH THE BANKING COMMISSION AND NYS ATTORNEY GENERAL ... .. AND I WILL LET EVERYONE I GO TO COLLEGE WITH KNOW ON SOCIAL MEDIA NOT TO USE CHASE
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

THE XXXX XXXX XXXX, XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.