davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/XXXX and XXXX XXXX, I initiated two fund account transfers to be transferred from my suntrust checking account to my XXXX  accounts. One for {$1000.00} and one for {$1500.00}. On XX/XX/XXXX, suntrust sent two emails stating that the fund transfers had been stopped. I did not see the email until Thursday, XX/XX/XXXX and made a call to the digital department. The representative said that she could not release the funds because she could not send me a code due to me changing phone numbers and I would have to go the branch. I went to the branch on the XXXX and after assistance with the branch officers, the male representative confirmed with me that I did initiate the transfers and he was releasing them back into my Suntrust account. He said it would be 3 - 5 business days. I have made several calls the following week to the the banking department, customer service and digital department for an update or status. One representative in the digital deparment told me on Thursday the XXXX that they were sent to XXXX  and advised her that they did not. I went back to the branch and spoke with the same branch officer and he expedited an escalation but still said it will be 24 to 48 hours, I even went to XXXX  on the XXXX to confirm. This is my paycheck and I am incurring late fees with my mortgage because I can not pay it due this problem and some other bills. I need my fun0 days later but now. I am concerned because now my XXXX  accounts that were set up for transfers are gone when the system was upgraded to truist along with evidence of my transfers pending. This is my fear that my money is limbo or in someone else account. This is going on two weeks and someone higher in the operations building may have to look into this. The name on my email is XXXX XXXX but my account is XXXX XXXX XXXX
Consumer complaint received 2022-02-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings (GA)

I got this email from Speedy Cash on XX/XX/2022 to my email address saying that I would be able to get a loan in the amount of {$5000.00} if I was approved and {$150.00} would be my payment that would be debited from account. So I called them inquiring because I was trying to get a loan so when I talked to the XXXX XXXX XXXX XXXX he asked me how much of a loan I was trying to get and I told him {$3000.00} and he told me that my payment would be {$91.00} a month and it would be debited from my account each month, so he sent over the application with the loan amount and how much would be debited from my account on the paperwork and asked me to sign the application and I did then he asked for my bank information and I gave it to him thinking this was a legitimate business and it turned out to be a scammer. Because he forged my name and deposited money into my account and into my mom 's account since we have a joint account, she is the rep payee for my account and now the bank think that I have defrauded them which I never did. The money was never in my hands and the bank have sent me papers in the mail saying that they put some checks on hold that was deposited into me and my mom 's account and then sent a check that this company sent to them made out to me in the amount of {$900.00} and my name is forged on the back. XXXX XXXX sent to my {$1500.00}, {$3000.00}, {$5000.00} and {$2500.00} and {$1500.00} and {$900.00} to my mom account I proof on my email of money that was sent to my bank account that was forged in my name that I never signed for. Speedy Cash needs to pay me for my hardship of having to go through this and losing my bank account and being accused of something I never did I think they need to pay me restitution and charges needs to be filed against the company.
Consumer complaint received 2022-02-19
Product: Credit card or 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 (OK)

We got an American Express Serve prepaid card through XXXX XXXX tax services to receive our tax refund. American Express has marked a legit transaction as fraudulent, and froze our card. We received an email with a link we could click to let them know it was legit, but upon doing so was told the link had expired or the issue had been closed. We've called the number on the back of the card to get the issue sorted and get the card unfroze, but the automated system has no option relating to this problem, and has no option listed to be transferred to a live agent. I've also tried calling another number I got from the American Express website, and all they can do is tell me to call the number on the back of the card that I've already tried. We've attempted to log on to the American Express Serve website, but after putting in our credentials and clicking log on, nothing happens. We've attempted this with XXXX different devices, only for all to have the same result.
Consumer complaint received 2023-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I receive HAF payments in the amount of XXXX. However these payments are posted to the account on different dates each month and in order to avoid late reporting to credit and late fee I made a payment on XX/XX/2023 in the amount of of XXXX the reason i made the payment in this amount is because my mortgage insurance increased and my escrow monthly is XXXX. So the amount that HAF pays is not enough to pay the full mortgage and I am responsible for the difference. I wanted to pay down my escrow so that my mortgage payment does not increase. I called US bank and spoke to a rep who told me to pay XXXX directly towards the escrow and that she would put in a request to have a escrow analysis done so that the monthly payments would decrease. I made the payment and the rep put in the request and advised that it will take up to ten business days. 

As of today XX/XX/2023 I reviewed my account online and it shows that the payment of XXXX is in a suspense account and that I have a past due balance that was due on XX/XX/2023. I called Us bank and spoke to someone in mortgage assistance that's states that because I paid XXXX and not the difference they can not apply the funds to my past due mortgage and basically stated that HAF paid the balance because of unemployment. I told the rep that I was never unemployed and that HAF assisted because of the reduction in my income.

I also asked as to why I am charged late payments when HAF sends batch payments to the bank on the first of every month and its not fair that I am charged a late fee because US BANK doesn't post on time. This unacceptable and the XXXX should be applied to my mortgage payment especially since it is showing past due.
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX, someone stole my identity and used it to apply for credit with XXXX. The credit request was approved by XXXX for credit in the amount of {$5000.00}. XXXX failed to verify by true identity using my address from the soft pull of my credit report. In fact, no letter was even sent to my physical address stating that the account was opened or that credit was approved. Instead, XXXX prides itself on being a paperless company and as a result, never sent any documentation to my home address. Rather, XXXX relied solely on the email address provided by the fraudster on the fraudulent credit application and, upon information and belief, sent all verification and loan documentation via email to that address. 

On XX/XX/XXXX, I checked my credit report with Experian to find that this account was opened in my name without my knowledge or consent. Moreover, the account was already delinquent as it appears the fraudster failed to make any payments on the account since it opened. And, there was a new phone number added to my credit report which was associated with this new account. I immediately filed an identity theft report with the FTC online. 

On XX/XX/XXXX, I contacted XXXX and received an email from their fraud department that I needed to first file a police report and attach it to my response in order for them to investigate. It appears that XXXX will not take any action until I responded with a police report. I have since contacted my local police department and initially told to file my report online. I made several attempts to do so and each time was rejected. 

I have since appeared in the police station in person and learned that this type of incident must be reported in person. I filled out an incident report and am still awaiting preparation of the report and contact by XXXX XXXX. In the meanwhile, XXXX has reported the account 30 days past due, which dropped my credit score by XXXX pts. Clearly XXXX has not suspended reporting. My credit will continue to drop if they continue to report the account in default - meanwhile I continue to await the police report XXXX needs to " investigate '' the clear fraud. 

Further, the lack of due diligence by XXXX is astonishing and reckless. At the very least, they should have known that the current address on my credit report doesn't match -- or at least sent a letter to my current address informing me of the credit approval. Nonetheless, a fraudster has successfully used my name and identity to get credit while I pay the price for his fraudulent behavior.
Consumer complaint received 2022-02-19
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. (MD)

On XX/XX/XXXX, I received a notification from credit monitoring services stating that XXXX had done a hard credit check against my TransUnion credit report. I had not requested any credit from XXXXXXXX XXXX or XXXX XXXX, so this clearly constituted fraudulent activity. 

On the morning of XX/XX/XXXX, I contacted XXXX XXXX  by calling ( XXXX ) XXXX to report that I had not requested that any credit account be opened in my name. The customer agent told me that there was no record on file of any application for credit under my social security number. 

Also on the morning of XX/XX/XXXX, I contacted TransUnion at ( XXXX ) XXXX to dispute the credit check and report fraudulent activity. The TransUnion representative made a note on my file, but told me that XXXXXXXX XXXX would have to request that the credit checks be removed from my credit reports. 

On XX/XX/XXXX, I received a letter from XXXX XXXX saying that there was indeed an attempt to open a credit card in my name, but that the attempt was rejected due to an inability to verify my identity. This contradicts the information provided to me by the customer representative on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a letter to XXXX XXXX ( see attachment ) requesting that the hard credit check be removed from my credit report. I have not heard any response. As of XX/XX/XXXX, the hard pull is still showing on my credit report, adversely affecting my score.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Key 2 Recovery, Inc. (NV)

I was contacted continuously by Key 2 Recovery telling me I owed money. During that period of time, I was unemployed so they proceed to call my mother, at her employment, multiple times to get in contact with me, even though I did not have contact with her. I was threatened they would keep calling her job until I set up a payment plan. I was forced to make a payment plan but did not know what exactly I am paying for, I just set up a {$50.00} monthly payment so that they would stop contacting my family members at their employment. I have not been provided with an itemized receipt of all my payments over the years. The balance seems to not go down at all.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

Experian, XXXX and XXXX are all reporting Two Bankruptcies that are not mine, and never happened. I had a XXXX  XXXX Bankruptcy which filed on XX/XX/XXXX. This Bankruptcy provided relief I was seeking. Yet, the XXXX bureaus are reflecting additional XXXX XXXX Bankruptcy filings on XX/XX/XXXX and XX/XX/XXXX. Neither of these are mine and I need them removed from these reporting agencies immediately.
Consumer complaint received 2022-02-21
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. (NY)

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I paid it on time. EQUIFAX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 


XXXX XXXX XXXX
Consumer complaint received 2022-02-21
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. (NY)

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I paid it on time. EXPERIAN Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 


XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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: Resurgent Capital Services L.P. (MI)

XXXX XXXX and XXXX are reporting an lvnv account to my report that is against fcra law. I was never given the option to opt out, never given charge off form 1099 and also have no contract with these people. This is a violation of 15 usc 1681i and 15 usc 1681s2b along with several other violations of 15 usc 6802 and 15 usc 1692g, 15 usc 1692e and 15 usc 1692f. If this illegal disclosure of fraudulent information is not removed legal action is imminent.
Consumer complaint received 2022-02-21
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. (NY)

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this. I believe I made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. TRANSUNION has been not complying with Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-02-21
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. (NY)

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this. I believe I made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
Experian has been not complying with Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-20
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX
Consumer complaint received 2022-02-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have mailed and faxed letters to the XXXX credit bureaus requesting they investigate the accounts in question and provide proof of those accounts. No investigation has been made and I have not received any letters or emails regarding my requests. Several of the accounts are in direct violation of the FCRA guidelines being that the original creditor or collection agency is not provided for the accounts reporting.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MA)

Regarding my Best Buy Citibank credit card account I have been fighting with this company for the entire month of XXXX trying to understand why they are not applying funds to my available balance according to their policy stated in an email to me every time I make a payment that the funds will be available within XXXX hours I have attached documentation of some of my communication with them what I wish is for them to honor their policy and credit any payments I make within XXXX hours maximum I have checked with my local credit union and the XXXX XXXX advises may that the money is indeed in the hands of Citibank immediately on being withdrawn from my account For details of dates and amounts see attachment I am including with my complaint
Consumer complaint received 2020-12-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mercedes Benz Financial Services (MD)

I HAD A LOAN WITH XXXX XXXX ON AN XXXX. I TRADED THE VEHICLE IN TO MERCEDES BENZ FINANCING AND PURCHASED A NEW CAR FROM THEM IN XX/XX/2020. A MONTH OR SO AFTER TRADING IN MY VEHICLE, I WAS MADE AWARE THAT MERCEDES FINANCING DID NOT COMPLETELY PAY OFF MY VEHICLE, AND THERE WAS APPROXIMATELY {$100.00} REMAINING TO BE PAID. I WOULD LATER FIND OUT AFTER SPEAKING WITH SEVERAL REPRESENTATIVES, THAT THIS WAS BECUASE THERE WAS A DELAY IN SENDING OUT THE CHECK TO THE PRIOR FINIANCING COMPANY. BECAUSE OF THIS ERROR THAT WAS NOT THE FAULT OF MINE, MY CREDIT WOULD ALSO SUFFER BECAUSE OF THE LATE PAYMENT THAT I WAS UNAWARE OF. I HAVE BEEN CALLING MERCEDES SINCE THEN TO RESOLVE THIS ISSUE AND THEY STILL HAVE NOT DONE SO-AND IT HAS BEEN OVER 4 MONTHS. IN AN EFFORT TO NOT HAVE MY CREDIT FURTHER IMPACTED, I COMPLETED THE PAYMENT IN THE AMOUNT OF {$110.00}, ALTHOUGH IT SHOULD HAVE BEEN PAID BY MERCEDES FINANCING. I WAS ALSO TOLD THAT THE VEHICLE HAS BEEN RESOLD TO ANOTHER CAR DEALERSHIP, BUT IM UNCERTAIN HOW AS MERCEDES DOES NOT OWN THE TITLE BECAUSE IT HAS NOT BEEN PAID IN FULL SO LEGALLY THEY CAN NOT RESELL IT AS THE TITLE IS NOT FREE AND CLEAR. I AM REQUESTING THAT MERCEDES REFUND MY PAYMENT AND RECTIFY THIS ISSUE WITH ALL THREE CREDIT BUREAUS IN THE FORM OF A DISPUTE ON THEIR BEHALF FOR DAMAGING MY CREDIT. I HAVE ATTAHCED A COPY OF THE PAYMNET CONFIRMATION.