davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Duvera Billing Services, LLC (WI)

On XX/XX/2019 at approximately XXXX I spoke with a customer service representative by the name of XXXX XXXX who set up a payment arrangement for an account held with XXXX XXXX XXXX ( Duvera ). XXXX XXXX assured me that with following through with the payment arrangement the account would stop reporting negative and any previously reported negative information would reflect positive, effective XX/XX/2019, when the company updated their reporting. I spoke with a representative today who told me that they will not honor the arrangement made between XXXX  and myself because it is not policy. Another representative stated they would " review '' the account to see what could be done. I made a significant sacrifice to make this payment arrangement under the contingency that the previous negative information would be updated to reflect pays as agreed since the so called missed payments would be moved to the end of the loan ( deferred ). I was made a false promise of improved payment history in an attempt to collect a debt.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc. (VA)

XXXX XXXX for XXXX and I have a DasherDirect is a prepaid debit and mobile banking app for US-based Dashers, powered by Payfare. I have been trying since XX/XX/year> to have the documents Payfare used in determining the outcome of my dispute I made toward the merchant XXXX. I have made numerous complaints and have asked them numerous times to provide this documentation. There is not impossible because there is none and I should have been fully refunded.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

This complaint is regarding Violation of verification and reporting of public information. Negative items ( bankruptcy ) on my credit report ( s ), where I personally contacted the US court house and verified that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible XXXX, XXXX, and Equifax are reporting a negative public record item? Your assistance is greatly appreciated.
Consumer complaint received 2019-02-01
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. (MI)

I'm on XXXX XXXX but for some reason you won't let me dispute the problems directly on the website but there are multiple issues 1. ) XXXX XXXX XXXX says I owe {$360.00} says original creditor is XXXX but I've never had a XXXX card as you can see there is no XXXX cards listed on my credit report I was a victim of identity theft a few years ago I don't know if this has anything to do with it or not but this account with this collection agency does not belong to me and if XXXX thinks that I owe money than they need to contact me I'm requesting this be removed from my credit report as soon as possible 2. ) There are two XXXX XXXX XXXX one says I owe {$2400.00} the second one says I owe {$6600.00} these were part of the identity theft that happened back in 2016 for the life of me I do not know why they're still being reported the accounts didn't belong to me whenever they were opened and they still don't belong to me they need to be removed from my credit report immediately unless you have some proof that they belong to me if you don't have any proof then remove them please as soon as possible 3. )  There is a closed XXXX XXXX XXXX account says that I owe {$5200.00} this was also part of the identity theft every other bank realizes that this account was not mine and it's been removed I do not know why it keeps getting reported so far at the bank has not been able to provide any evidence any signatures anything concrete that proves the account is mine everything they have is circumstantial doesn't really prove anything they have account statements well yes whoever the thief was was using the card of course you have account statements unless you have some proof I want this removed immediately even the police are aware that back in 2016 I was a victim of identity theft everybody was aware of it we're going on three years later and you still haven't fixed this I'm not going away until it gets fixed this account does not belong to me
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (OH)

Trying to refinance our mortgage I found out today that the mortgage company is falsely claiming that we have missed payments in the past year to stop us from refinancing.. The mortgage is with Quickens Loans who boldly got away with having no judiciary responsibility to pay the taxes on our home and now they are attaching big payments to the mortgage and claiming we have missed payments this past year ... They claim they paid the taxes, but our escrow account is short so they are still making us responsible for the taxes ... They did not pay the taxes for 4 yrs ... which lead to this mess and we spent XXXX to an attorney who will not do anything now ... to help us resolve this issue..hopefully you can do something..
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is regarding Violation of verification and reporting of public information. Negative items ( bankruptcy ) on my credit report ( s ), where I personally contacted the US court house and verified that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible XXXX, TransUnion, and XXXX  are reporting a negative public record item? Your assistance is greatly appreciated.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/XXXX I attempted to make a purchase for $ XXXX at XXXX XXXX to which I was a card holder. Hence the word WAS. My XXXX XXXX account was open with a XXXX balance. When I got to the register to pay for my purchase with my {$100.00} open limit to buy to my knowledge, I was declined. Store associate ran my card three times. Each time it came back as declined. I was completed EMBARRASSED AND ANNOYED that my card kept declining because I knew I owed {$0.00}. 

I called customer service after using my normal bank card to make my purchase. The customer service representative said that : 1.In XX/XX/XXXX my credit bureau report was pulled and ONE of my accounts had changed ; therefore, XXXX XXXX *XXXX  XXXX  ) closed my account. She would not disclose which account it was. 

2. I asked, " did I owe XXXX XXXX ( XXXX XXXX  ) any money? '' I was told NO. My account had a XXXX balance. According to the customer service computer, I had a XXXX balance and an open amount of {$100.00} for purchase. 

3. I asked, " who gave XXXX XXXX  the right to just on a whim, run my credit report? '' She replied, we can do that! '' I told her XXXX XXXX ( XXXX XXXX  ) had NO right to run my credit report. It has caused my credit score to go down further, especially since I did not owe them any money. Nor since my other account that belongs to XXXX XXXX  was not past due either. 

This is the second time that XXXX XXXX ( XXXX XXXX  ) has done this to me and I am tired of it! It is an abuse of my personal information, and these actions will not help me in improving my credit score, if companies like this have the ability and the gaul to just run my credit when they feel like it. I was not notified that my credit report had been run, nor given a professional reason as to why this has occurred. 

I have returned the items back to XXXX XXXX and there were quite a few people returning their items this evening also. We can not allow companies to treat consumers such as myself like trash. 
XXXX XXXX  is showing unfair credit practices against consumers and they should not be allowed to.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (MN)

The following fraudulent credit card accounts currently listed on my Equifax and XXXX credit report are fraudulent accounts and not my accounts. I did not authorized or apply for the credit card accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. I am a victim of identity theft. The following collection account is a fraudulent account and not my collection account : XXXX XXXX XXXX, {$5600.00}. The following public record : Bankruptcy Chapter XXXX Discharged U.S. District Court District of Minnesota, XXXX XXXX. Theres no bankruptcy records on my XXXX XXXX XXXX Report, the third party company/vendor XXXX and Equifax use to get public record information. I have sent documentation from XXXX XXXX to XXXX and Equifax for proof the public record is not my public record, but XXXX and Equifax continues to send me information stating they verified the public record with XXXX XXXX, even though, I have no bankruptcy records on my XXXX XXXX XXXX Report. The following credit inquiries currently listed on my Equifax credit report are fraudulent credit inquiries : XXXX  XX/XX/XXXX, XXXX, XX/XX/XXXX. I am mailing and send a copy of my complaint to XXXX XXXX, Minnesota United States Senator, XXXX XXXX, Minnesota United States Senator, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, United States Attorney General, and Joe Biden, President of the United States of America to look into this matter as well.
Consumer complaint received 2019-02-01
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 have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ). 
It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be force to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (PA)

XXXX has a storewide policy ( for non-cardmembers ) that they will issue a price adjustment 7-14 days after you make a purchase and the item goes on sale. I have made various price adjustments in the past with no issue. I am XXXX credit card member that earned cash rewards for purchases made over the holidays. I recently requested a price adjustment and instead of issuing the fully adjusted price credit, because I used my cash rewards, they deducted my credit card rewards as part of the adjustment credit and only issued a partial price adjustment. This is an unfair and deceptive practice as those rewards were earned for spending {$200.00} multiple times. Price adjustments shouldnt negate these rewards! In addition, non-cardholders dont receive any such penalty and are issued the full price adjustment credit. Why should loyal card members be penalized from engaging with their card and utilizing the rewards program.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (TN)

I previously filed a complaint against TCF bank on the same issue that they are now being sued. My case number for CFPB is XXXX. My complaint has not been included with this lawsuit and I have not been contacted by TCF bank. The over draft fees that they charged me for an amount under XXXX was over {$400.00} in a matter of a few days. They say they mailed the OD information but it was hidden in the bank statement and was never referenced on the on line banking feature which I used frequently. Who would want to pay {$400.00} for a 20.00 charge? If I had known about the od changes I would have closed my account immediately rather than gifting them the extra funds,. 

My complaint was responded to by the bank by only saying saying, since the account is closed they can not refund my fees. I am asking that my complaint be revisited. 

thanks
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (IL)

I received a credit card statement from XXXX XXXX with a balance of {$860.00}. I did not open a credit card account with XXXX XXXX. I have never had a credit card with XXXX XXXX. I believe I am a victim of fraud! I called XXXX XXXX this morning as was told to file a complaint with FTC. XXXX XXXX stated filing a complaint is the process I need to go through to rectify the situation. Please help!
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
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. (TX)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just recently looked at my Trans union credit report XX/XX/2024. I saw some hard inquires that did not have permissible purpose. i also attached evidence. 

XXXX XXXX - XX/XX/2024 : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX  - XX/XX/2024 : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX  - XX/XX/2024 : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX - XX/XX/2024 : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (VA)

In less than 2 weeks several problems with this bank : 1 ) charge made from my credit card to put {$25.00} on this account, vs. asking me to deposit. The issue was they " open '' an account but not really, until a payment is made. They didn't indicate that one when you fill out the paperwork. I got the acct approved but apparently they didn't do squat with it until they took money from me. XX/XX/20. 
2 ) XXXX  up the billpay. Acct created on XX/XX/20, but multiple bills before that time went against my account. Refused any straight answer for why this happened. Never would address it. Nor did they address why they took, on the same day ( XX/XX/20 I believe? ) a bill pay scheduled for the future on XX/XX/20 out on XX/XX/20. 
3 ) XXXX  up the account telling me the account was only 2 weeks old ( it was over that ) and refused to tell me WHEN the account wouldn't be considered new ( one person said 30 days but you can't trust anything they say, multiple flip flops on stories given to me were pointed out in conversations ), that they had massive fraud going on from check deposits ( I had a direct deposit from a known local state agency for my check ) and why that was an issue, what other XXXX ups they hadn't done yet, and why I couldnt ' get money from a teller. They also wanted to charge {$10.00} for checks that I was told in the branch that they could print 3 checks a day for free. 
Hiding all this on their XXXX  page.
Consumer complaint received 2023-06-28
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. (FL)

XXXX XXXX XXXX Date of Birth:XXXXXXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX Dear [ XXXX / Experian XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information on my [ XXXX / Experian XXXX XXXX XXXX credit report : Dispute XXXX : The alleged charge-off of an obligation with [ XXXX XXXX XXXX  ( original alleged creditor : XXXX XXXX ) ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXXXXXX  ] [ XX/XX/XXXXXXXX  ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] To further support my claim, I have attached documentation including : A copy of my credit report identity theft complaint Drivers License SSN card Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (FL)

On XX/XX/2022 a portion of my payroll for {$400.00} was deposited into my Alliant Credit Union account. I also have a personal non-collateral loan and a XXXX credit card with this company. Given the fact that I had an unexpected expense, my loan payment was past due, and my credit card payments were current. Once my payroll funds got deposited, Alliant credit union withdrew the funds, plus the additional funds of {$3.00}, for a total amount of {$400.00}, and credited them to my loan WITHOUT my authorization.
Consumer complaint received 2021-03-05
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: GOLDMAN SACHS BANK USA (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Apple Card/GS Bank and XXXX XXXX/XXXX. The Account Opened is Apple Card/GS Bank Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$690.00}. The Account Opened is XXXX  XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.