davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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. (FL)

someone use my identity and open auto loan, auto insurance, credit card and cable service I am a victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

I have XXXX accounts on my credit report that is disputed with my credit dispute. I found many address on my account and several different names even a wrong social security number these accounts are n't recognized and standing in my way of getting my housing. 
these accounts are as stands XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX files on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX date opened XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance of XXXX opened in XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in the amount in XXXX date opened XXXX please help me I have disputed all of these with the credit bureau Please let me know what the next step would be.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (FL)

I resolved the problem after 6 months, I sent to them more than 250 pages of proof that we didn't make the purchase when we show one thing, they said another, and all the time they change the causes of the withdrawal, after 6 months, I, tired, to discuss and fight with them, I said that I will let the case with FDIC and the Consumer Financial Protection Bureau, and as by charm, the money in the next morning was in my account {$2900.00}, much money, and to prevent that this can happen to another person I am sending the happened to FDIC and CFPB. 66 pages from 250 pages.
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Consumer complaint received 2015-07-28
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP (CT)

I purchased a USBank XXXX prepaid card on XXXX XXXX 2015 and received an activation slip showing {$500.00} was loaded. With the purchase fee it came to {$500.00}. 

When I tried to use it that evening, it had been frozen by USBank for fraud. This was because a transaction had been attempted PRIOR to my purchase. USbank instructed me to fax in information and wait XXXX business days. Information was faxed on XXXX/XXXX/15 and I have not heard back. 

This is a serious scam that USBank is running in that they are knowingly selling compromised cards, and they are knowingly selling cards with sequential numbers so that thiefs can guess other card values and brute force the XXXX. If they knew the card was bad, they should have prevented its sale. Furthermore, I still have not received the funds I was owed despite faxing in information.
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

I am an American Express XXXX card member for which privilege I pay {$5000.00} a year in fees just to use the card. I called the company to make a payment on my account. I called at XXXX XXXX  on Saturday, XX/XX/XXXX. I called on the dedicated line for XXXX members - XXXX XXXX XXXX. I was on hold for 17 minutes 14 seconds. This is different than the service levels the company advertises when procuring the card so this is a clear case of bait and switch. I called to pay the balance due on my card but I could not get through.This level of service is absurd for someone who is supposedly a good customer and has been so since 1983. This has now happened multiple times and is a clear breach of the customer service agreement I was promised when paying for the card
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Associated Credit Services, Inc. (NC)

I discontinued service with XXXX XXXX ( original creditor ) in XXXX XXXX. XXXX XXXX made no attempt to contact me about a past due balance prior to selling the account to Associated Credit Service, a collection agency. I did not become aware of the debt until noticing the collection account for {$340.00} on all three of my credit files. Associated Credit did not inform me prior to posting the derogatory information in my credit files. According to the date listed in XXXX, the collection information was posted over 60 days ago with no contact from Associated during that time. I offered to pay the balance to XXXX XXXX if they could remove the collection but was told they could do nothing about it except updating the account as paid however XXXX XXXX can remove the negative information. XXXX XXXX claims that they sold the account off to Associated and are no longer responsible for any collection activity. 
I paid the {$340.00} balance to Associated Credit and asked that the negative information be removed a second time. Again my request was denied and I was told that XXXX XXXX would need to take action. 
The account they are collecting for was included in bankruptcy filed in XXXX XXXX and discharged XXXX XXXX. It is somewhat a grey area weather or not the balance was even collectable as at the time the bankruptcy was filed a balance was owed on the account but payments were continued to maintain electric service. A new account number was never issued.
Consumer complaint received 2016-01-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (GA)

Sunrise Credit Services keeps calling me on my cell about a XXXX XXXX XXXX XXXX account that I do not have. They are trying to get me to pay money on an account I do not have. I 'm not sure how they got my information.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights under 15 USC 1681 section 602, which states that I have a right to privacy. It also states that a consumer reporting agency can not furnish an account without my 'written instructions ' under 15 USCS 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (TN)

I am writing to express my deep concern and frustration regarding the deactivation of my account. This action was taken due to an issue involving my driver 's license and background check compliance, which has now been FULLY resolved. However, despite my numerous attempts to rectify the situation and restore access to my account, I have been met with nothing but disappointment and discouragement. It is disheartening to inform you that, even after filing two 3 appeals, my account remains deactivated without any sign of reactivation. this unjust and prolonged suspension has caused significant inconvenience, distress, and complete loss of valuable income. I want to emphasize that the compliance issue with my driver 's license and background check has been addressed and resolved. Therefore, it is only fair that I am granted the opportunity to regain access to my account, which I have come to rely upon for income.I implore you CHECKR and XXXX to understand the gravity of this situation and the impact it has had on my daily life. Not only have I been unable to utilize the services and benefits that your esteemed company offers, but I have also experienced undue hardships in managing essential tasks that are directly linked to my account as well as a complete loss of income due to the deactivation. With the utmost urgency, I kindly request CHECKR & XXXX immediate attention to this matter. I sincerely hope that dashboard can empathize with my predicament and realize the importance of promptly reinstating my account. Doing so would not only demonstrate your commitment to driver satisfaction but also restore my faith in the integrity of the XXXX or any other platform. I eagerly await CHECKR & XXXX swift response, accompanied by the FULL reinstatement of my driver dasher account. Thank you for your understanding and cooperation with this matter.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Since XX/XX/2021 I have tried on multiple occasions to fix my personal incorrect information that is on my credit report. I have sent multiple letters with no responses. All of my letters have been ignored. All I wanted is my drivers license and proof of residence information to match. The information reporting on my credit report is incorrect.
Consumer complaint received 2022-02-04
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)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (IN)

Caliber Home loans has claimed to have made payment on my property taxes. This is incorrect. I 've asked them to provide proof of payment ( reciept with the parcel number XXXX 's ) and they are yet to do so. I 'm now being charged escrow to pay them back. They keep looking into it by asking the same question, " was a XXXX payment made? '' and the answer is no. I paid it, I 'm not sure where their payment went.
Consumer complaint received 2016-03-29
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Credit Technologies, Inc. (MT)

I am a card carrying XXXX and wanted to see if I prequalify for a special home loan offered under HUD. So I spoke with an agent via email. I did not give my consent or a written or electronic signature to approve a hard credit inquiry. My credit score dropped XXXX points after not XXXX but XXXX pulls in less than 24 hours. And I did n't get an answer weather I prequalified or not. I call this company Monday morning and they kept hanging up on me. I need help.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2022 I was in a car accident that wasnt my fault. I immediately contacted XXXXXXXX XXXX XXXX the next day and told them what happened. Me and the insurance reached out to XXXX about the accident. During the process XXXX repeatedly told me to not make a payment on the account because the car was going to be deemed a total loss. Fast forward nearly two months Im hit with a late payment mark to my credit accounts. Ive been building my credit for a year and a half now. I had a XXXX credit score and never missed a payment on anything before this incident with XXXX. My score went down XXXX point despite faxing and emailing countless paper work and documents to XXXX proving that the car was deemed a total loss by XXXX insurance nearly a month before XXXX false missed payment claim. Ive never missed a payment with XXXX ever. XXXX and I have evidence of XXXX cashing the total loss check and not updated my account information to closed despite receiving countless documents to close the account. XXXX recently close the account last week as of XX/XX/2022 but are reporting they closed the account as of XXXX, 2022. They are falsely reporting information to the credit bureaus. Ive been stressed out trying to both email and fax them the documents they were claiming they didnt received through all of XXXX and even early XXXX. I just want the credit mark to be taken off my account. Its not fair that Im being penalized for a late payment when XXXX associates told me not make a payment on the account because the car was going to be deemed a total loss. I have countless paper work and documents proving the car was issued a total loss by XXXX insurance a month prior to their false late payment claim. This has been one the most stressful process of my life.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account has caused me significant XXXX, to the point where it's affecting my XXXX. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2016-04-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (ME)

In 2006 I cosigned a private student variable rate loan. The interest rate at the time was 8.68 percent. Today the rate is 8.75 percent .Even though the prime rate has gone down substantially the last 10 years the rate on the loan has not been reduced. It seems that the rate should have dropped. I have called the company and they have not given me a satisfactory answer. I think there is fraud here. Please advise
Consumer complaint received 2017-02-08
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

We received a modification as of XXXX XXXX 2016. We made our first payment that month as per our signed modification agreement. We gave the bank {$100000.00} and they finally modified us after about 5 years of going to court and never getting answers. So I have been making the payments for the following months till current and I am getting statements that I am behind in payments, that I owe money. My modification states that any owed fees were waived. Capital One is now calling my house telling me I owe money. My lawyer is speaking to the lawyer from Capital One ( XXXX XXXX XXXX the one that has been to court with us ) and he does n't know what 's going on. We gave them this life savings to clear our name and get back on our feet. Our credit score is being ruined. Please help us resolve this. No one has any answers. Thank you
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (IL)

I have a complaint against American Express Credit Card. I made a schedule payment for XXXX on the XX/XX/2017. I did n't realized my old banking information was comingled with my current banking account. About 2 days later I realized I pull money from the wrong account. I called American Express on XX/XX/2017 that I will be making a XXXX payment from the correct account. I thought the problem was solved. After a made the payment they attempted another time, now its 3 times in the wrong account. I called and asked why did you attempt it again after I made the XXXX payment? American Express in XXXX told me it 's their practices of three times and it 's not disclosed in my agreement. Customarily in the banking institution to deem NSF after twice deduction. I wanted to see in my agreement were it stated we will attempt three times or more in your account. I asked to be transfer to the US. But transfer to XXXX. I finally got transfer to the US and asked for a follow up with my complain. No feedback.
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters are not in compliance with FCRA. They are reporting two debts on my XXXX credit report that are incorrect. They are incorrectly reporting the " date of first delinquency ''. I have made multiple attempts to correct this problem with NCA & XXXX. For both accounts the First date of delinquency is sometime in the year XXXX. They are telling me that XXXX & XXXX of XXXX is when they purchased the debt, and that's the date they are going to report. They said they haven't updated the report since XXXX of XXXX. This incorrect reporting has been affecting my career and ability to make consumer purchases.
Consumer complaint received 2023-06-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP (NM)

On XX/XX/XXXX or XXXX, I went to my local U S Bank branch to instigate a wire transfer of money to XXXX. Their computer told them I had recently moved, and I spent XXXX hours proving I had not moved. Then, there was a problem with the SWIFT number the XXXX bank gave me. It was lacking the last 3 numbers ( branch indicator ). U S Bank did not know that if there are no last 3 numbers, XXXX  is the default. I found this information on the internet. I went back the next week, Wednesday XX/XX/XXXX. After about 2 hours of intense interrogation regarding the purpose of the transfer and my relationship with the recipient, the branch informed me the transfer was approved. Before the verbal approval, they gave me papers, which I thought was a receipt, and which I reviewed later. They papers were not a receipt, they described the transfer. In very small print, the papers had informed me that the bank 's exchange rate was much less than the going rate, which resulted in me being charged {$250.00} for a {$10000.00} transfer in addition to the {$50.00} transfer fee. The paperwork states that the funds would be availasble to the recipient XX/XX/XXXX. After the transfer was accepted by U S Bank, I was informed it could take up to two weeks for the XXXX bank to make available the funds to the recipient. The disclosures were made in tiny print, and after the fact. As of this date, the money has not been received by the recipient. U S Bank tells me they can not get any information. I have no idea where my {$10000.00} is. I can only hope it shows up in the recipient 's account. I am not even sure that the XXXX might yet reject the transfer. It is as though my money has gone into a black hole.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OK)

An unauthorized hard inquiry showed up on my credit report on XXXX from XXXX XXXX XXXX XXXX XXXX. I immediately contacted all XXXX credit reporting agencies to place fraud alerts on my credit report. I have also contacted XXXX XXXX and alerted them of the potential identity theft. I was informed by the bank that a credit card application was submitted using my personal information. They have canceled the application and offered to send letters to credit bureaus to remove the inquiry from my report. 
I am filling this report for record purposes.
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (KS)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my BANKRUPTCY ACCOUNT Chapter XXXX Bankruptcy Case Number : XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (ID)

Unfortunately the calling company is calling for a party whom is no longer with us on this earth and is deceased. I have tried to catch them and explain this, but they always seem to call when I'm not by the telephone. And it's becoming a disruption to my home, and a painful reminder of our loved one whom is no longer with us due to XXXX. I understand they are just doing their job. But we are not in any position to help them. They just need to quit calling the phone number they have listed. It is not a personal phone number, it's an home phone. So when they call it disrupts others. And we tend to not answer numbers we do not know due to spam callers.. The bordering on harassment needs to come to an end. And to call in is more difficult because I do not have the necessary information to " discuss the deceased parties account ''.