davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (FL)

Equifax is still reporting an account as well as the address in my personal information. That account was supposed to stop reporting for all three credit bureaus Per XXXX XXXX XXXX. I've taken a substantial hit on my credit from this account constantly being reported as a verified item when this account wasn't mine. Now even after it's revealed that it doesn't belong to me it's still reporting and harming my credit. I've attached the previous CFPB claim that I submitted for this account. Attached I've included the XXXX credit reports. ( XX/XX/XXXX to show the fraud account and address reporting with my score of XXXX, XXXX showing my score of XXXX without the fraud account but with the fraud address, XX/XX/XXXX showing my score of XXXX with a reinserted fraud account reporting on my credit report without the name of XXXX XXXX XXXX  showing.
Consumer complaint received 2022-02-02
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: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, XXXX, and XXXX informing them that I am a victim of identity theft. Someone opened a credit card, got medical service, and a loan under my SSN. They also made fraudlent inquiries on my report as well. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking XXXX, XXXX, and XXXX to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i placed a fraud alert on my credit report transunion and ever since ive been denied every thing ive applied for i cant even get into my accounts without showing my drivers license then when i send it in it takes another 5 or 6 days to get back to me i want this fraud alert off my credit report today ive had enough of it i dont need it on there i thought i was doing something else ive asked 3 or 4 times to hae it removed but they still have it on there i applied for a XXXX XXXX XXXX  credit card just to be denied and i have great credit im very upset with this credit card company
Consumer complaint received 2020-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (TX)

Had two transfers which were suppose to be transferred to my XXXX XXXX   account from the company called Quickpay Zelle. 
I have called chase more than 5 times and they promised me to money would be in my account. 

Expecting to transactions {$10.00} & {$50.00}
Consumer complaint received 2019-01-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc. (CA)

They call about 5 times a day, early in the morning on weekends. My phone only rings once because its a robo dial but the name and number still pop up on my tv. 

Vital Recovery XXXX I called the number to have them take me off their do not call back list. The gal said " don't you wan to know what personal business this is? '' I said " NO, and that if there is a problem, I should receive something in the mail. ''
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (GA)

I ordered a pair of diamond earrings from XXXX XXXX online on XX/XX/2022. The earrings were to be delivered via XXXX on XX/XX/2022, I was not home to receive or sign for the package. XXXX dropped my package off at the XXXX for pickup on XX/XX/2022. I went to the XXXX location on the XX/XX/2022 to pickup my package and upon inspection I could see that my package had been vandalized. I took pictures of the package at the XXXX location and told the XXXX representative that I will not accept the package because it was clear it had been vandalized. I contacted XXXX XXXX and XXXX via email. I emailed XXXX XXXX and XXXX the pictures that I took. I received a email from XXXX XXXX on XX/XX/2022 that I would receive a full refund within XXXX business days. As of XX/XX/2022, I have yet to receive my refund and now XXXX getting the run around.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I sent a dispute to Equifax in XX/XX/XXXX to dispute late payments. I sent them proof ( copies of my forbearance approval from XX/XX/XXXX-XX/XX/XXXX ). They only updated the late payments for XX/XX/XXXX. I again sent them my entire forbearance history and was told that it was updated by the grantor. They didnt even look at the information I sent to them. From my understanding, they 're suppose to verify the information and have my files that the lender send to them on file. Not refer to the Grantor for confirmation. 

They were removed the loans form my report then got a notice the following day that it was updated. 

I want the loans to be removed from all XXXX credit agencies as they 're not reporting the correct late payment dates and are suppose to update according to the information sent to them. 

I also attempted to reach direct to XXXX but I was n't able to get any help with updated my history which resulted to me contacting the credit agencies.
Consumer complaint received 2022-01-26
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: JPMORGAN CHASE & CO. (TN)

I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX  only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX XXXX. They ran my credit for JPMC Auto Financing, XXXX XXXX ( twice ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.
Consumer complaint received 2022-01-26
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: Westlake Services, LLC (TN)

I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX XXXX  They ran my credit for XXXX Auto Financing, XXXX XXXX ( twice ), Westlake Service Inc, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Paid a 6 year, 1 week and 6 day old account off in FULL for deletion per discussion with live representative. The representative lied to obtain payment and company wont assist with the scam nor is employee still there. Account was never deleted years later and is now past it pushing 7 year negative account deadline. I have disputed it multiple times for deletion off credit account- account is paid in full not settled for this reason.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back and going i am not sure of this some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i fool they are not doing job properly and it is effecting me great deal i used PayPal quite frequently My email linked to PayPal is XXXX XXXX
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I have contacted Experian several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Experian and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX ) # XXXX account number. I also want the following unauthorized inquiries from XXXX, XXXX removed. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Consumer complaint received 2022-01-14
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. (FL)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-26
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: U.S. BANCORP (NV)

My authorized users credit card has fraud on the account, I contacted US bank to notify them of the card being stolen, when I spoke to the bank I received the run around from the bank in regards to these charges, I was bounced from agent to agent to agent, the agent who answered the phone seemed like he did not want to be there tonight, he was very rude, anything you asked him was as if it was a bother to him, I asked him to review the account and he seemed as if he was off in space, this is absolutely unacceptable to me, that we have had fraud on the account and US bank does not have the decency to care one single bit and to assist with getting these charges taken care of, I will not be treated as a number, this is highly unacceptable., It is unacceptable that the bank first of all did not catch these charges, it is now unacceptable that the bank can not get their act together and get the charges tagged correctly and them removed from my account, I was transferred over and over and over and over and over with no solution, I have no idea if the fraud claim was opened correctly or not, and I can not get answers, these charges need to be removed off my account immediately, These are FRAUD and not authorized by myself nor my additional card holder. Its extremely unacceptable being a victim of fraud and the bank not doing their job to fix it or correct it.
Consumer complaint received 2022-01-26
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: TD BANK US HOLDING COMPANY (NY)

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$19000.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. ( TD AUTO FINANCE XXXX Date opened XX/XX/2016 Balance {$19000.00} )
Consumer complaint received 2022-01-26
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: Account Control Technology, Inc. (NY)

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
( ACCOUNT CONTROL TECHNO Original creditor : XXXX UNIVERSITY XXXX Date opened XX/XX/2020 Balance {$0.00} )
Consumer complaint received 2018-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK (NV)

Bank put a retroactive 60 day freeze on account. Said freeze would be lifted if I submitted statement from bank the funds came from to the fraud deaprtment whhich I did several weeks ago but the freeze was never lifted. After the 60 day freeze was up they still will not let me transfer money. They say the fraud department is still working on it but will not say why. They will not call back. They will not answer e-mails. I have called several times over the last 4 days ( XX/XX/XXXX-XX/XX/XXXX ) with the same zero results.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I made a deposit of XXXX, on XX/XX/XXXX I made another deposit for XXXX. Both deposits were held for 9 days and 10 days, none of the funds are currently available. I made another deposit on XX/XX/XXXX for XXXX, funds are still not available. Bank has refused access to my funds, barred me from entering a bank to make a withdrawal and have said they are closing my account in XXXX. My account balance was over XXXX on XXXX, yet my available balance on XXXX is showing XXXX, so I still have no access to my funds for paying bills or withdrawal. I want to withdraw my available balance and they are not allowing me access to my money.
Consumer complaint received 2019-10-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sokaogon Finance, Inc. (OH)

I took this loan out on XX/XX/2019 for only {$500.00}. Please see attachment for the outrageous interest rates they charge. They are charging 782 % which is illegal in the state of Ohio. Their max APR is 28 %. I shouldn't have to pay this loan back as it's not valid in the State of  Ohio especially if they are not licensed.
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On Sunday XX/XX/2023 I was at home on my phone and I got a notification that I send mine to a person I never sent mon to from cash app. I did not loose my phone I have my phone with me and no on has access to my phone. I dispute my charges. Cash app came back with 24 hours and said they investigated and I mad those transactions. This is beyond sad and pathetic I am sure cash app has insurance in their customer when FRAUD happen. They have been on TV about some has hack cash app. They didnt even check my history to see if I had sent money to these people before. They went by they on and never contact be to asked any questions. This has to stop this is not how you treat customers. They dont got help when you call its they same answer over and o er and they will hang up on you while talking. This has to be reported!!!!!! they need to be investigated on!!! That is why I dont used cash app they do not secure their customer!!!!!!! All they do is take money from people, and do not help at all!!!!! I want back the money j had left on my cash app. The above I did not do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They keep denying the claim stating that I didnt tear transaction, and send the same email over and over and over again. They do not send no reason. They need to be investigated on. This should not be allowed to consumer. They need to be close down!!!! They say the same thing over and over and over. This is not right. This is a serious matter and should not be allowed to happen to people.
Consumer complaint received 2022-01-26
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. (VA)

Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to XXXX which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 1. Addresses : XXXX XXXX  XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. Phone number : XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Windham Professionals, Inc. (TX)

I received a call from XXXX at Windham Professionals and he would not take my number out if his system. For over 4 minutes he kept telling me that I needed to tell him who I am although he called me and I told him I am not the person he was looking for. He was not answering my question on who he is and what company he was with. He kept demanding I tell him who I am. 
I have a video of 2:50 of the over 4 minutes of call. It wouldnt allow me to upload but will make it available if needed.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IN)

I have attempted to contact this debt collector that is attempting to collect a debt that has not been validated with original documentation bearing my signature.I do not recall this account. The only response I have gotten is an unknown billing statement. I would like for NCA to validate the debt with the original documentation bearing my signature that I have entered an agreement with said company or remove this account from my credit report as they are reporting in error if they are not able to validate this debt with original documentation bearing my signature.
Consumer complaint received 2020-02-11
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 (CA)

I disputed an account with XXXX  and the collector on XX/XX/2019 but they keep verifying it. Portfolio Recovery Associates LLC attempts to collect {$16000.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. They hurt my credit and I can not qualify for any loan.
Consumer complaint received 2022-01-26
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: NAVY FEDERAL CREDIT UNION (VA)

Paid a 6 year, 1 week and 6 day old account off in FULL for deletion per discussion with live representative. The representative lied to obtain payment and company wont assist with the scam nor is employee still there. Account was never deleted years later and is now past it pushing 7 year negative account deadline. I have disputed it multiple times for deletion off credit account- account is paid in full not settled for this reason.