davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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. (MD)

Just filing a report stating that i have placed a secuity feezd with all 3 credit burers as someone have my social security number. I am not sure if this stems from 5 yearsvago when icwas robbed and they took my social and tried to open a XXXX account/service in my name or if it was the dark web where my social has been exposed as stated by vredit wise from XXXX XXXXXXXX credit csrd. Experian also stated it was exposed in a sata breach with XXXX in XX/XX/2021. As a not i do not and have no ever had an account eith XXXX.
Consumer complaint received 2017-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MN)

X/XX/2017 at around XXXX XXXX I made a deposit for {$320.00} into an ATM in the lobby of the XXXX XXXX US Bank. The ATM ate my card, check and did n't issue a receipt. I called immediately and they told me I would have to file a reg E dispute. I did this, and they denied my claim saying they needed a receipt. Which is inherently ridiculous when an ATM malfunctions. I want the bank to pay for a re-issue of the check or actually search for it.
Consumer complaint received 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I noticed unauthorized inquiries on my credit report & noticed someone applied for something in my name. 
According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

TRANSUNION : XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX : XXXX XXXX- XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX
Consumer complaint received 2020-01-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management They keep calling my cellphone number from different autodialer numbers. Today they called at XXXX XXXX  PST and left a voicemessage. 

They also are now listing this as a late payment on my credit report but are not the original creditor. This is from 2015 and statue of limitations has run its course. It is time barred, but they are listing the last payment as the last 30-60 days to make it seem like it is current debt.
Consumer complaint received 2017-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I received a letter stating it was a follow up letter from XXXX ( never received first letter ) that I had 15 days to validate this debt before they started reporting to the credit bureaus. So I immediately sent them a debt valadition letter certified mail stating they needed to verify this because the original bill was already paid. I never received any other bill from XXXX XXXX XXXX. They received it on XX/XX/XXXX and failed to validate this alleged debt that was owed before reporting to the credit bureaus. Which is against the Fair Debt Collection Practices Act FDCPA.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (PA)

I have specifically submitted a request to STOP pre-approvals and other credit card offers. Citibank continues to send me " Convert from X card to Y '' offers. These PAPER BASED communications place an unnecessary burden on the recipient to SECURELY dispose of them. Given that most stores/companies charge for secure shredding, these banks should be compensating recipients for the excess paper spam they send on a daily basis.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (MI)

Equifax failed to properly and securely store sensitive information that is directly related to my personal identity and finances. After discovering a significant data breach, the company failed to notify consumers of the breach within a timely matter. Additionally, Equifax executives sold personal shares of company stock while withholding information regarding the data breach from consumers who were affected.
Consumer complaint received 2021-02-01
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: CITIBANK, N.A. (MD)

I purchased a new XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX  XXXX  maryland a few months ago, it took an hour for someone to come and set up this phone. My mother added it to her account with XXXX, we also have XXXX  XXXX. The phone began getting alot of unknown calls for someone named XXXX about property investments. 
I assumed the phone was given a old customers number and i assumed the calls would stop coming in. They would come in all day while i was working. But usually stop once i got home and started using the device. I am worried about my XXXX XXXX  now and my XXXX, XXXX, XXXX, XXXX accounts and XXXX account. Emails can disappear right in front of my eyes and password reset emails will not come to my device. Settings change themselves the second i stop looking at the screen. 
All my personal health information has been having problems getting to my health care provider. Including calls for appointments. We are trying to verify all appointments with XXXX and the phone company for billing purposes and i am having a hard time getting a response everytime i send them email. I receive phone calls from someone claiming to be XXXX XXXX when i access my health care app. This must be a crime and fraud and i hope we can find out why this illegal account and identity activity is happening and who else is using a device with this information ... was my phone a clone or was the someone elses original phone a clone. I consider this a major crime and this type of activity will definatly cost lives durring a pandemic. Having someone know everything you do online and possible XXXX XXXX  crimes. 
I need an answer to this situation ... i was given false information by a health care provider and was given a tetnus shot when i asked for an anti body test. I felt like my body was going into XXXX  XXXX  ... somehow i survived and want to see this type of activitity ended. 
I am concerbed for all parties that have been given a cloned phone and can tell someone is extremely frustrated on the other end of my device. The setting constantly changing right after i change them. My password not working for the second device a minute later, my XXXX  XXXX  password changing and XXXX password changing. 
I need your help in this situation because im not sure my mother is aware of the illegal account activity and i cant seem to convince her it is happening. 

A very concerned customer and XXXX used, XXXX XXXX XXXX I am concerned my identification that i have sent over the internet may also have been compromised and intercepted when i tried to verify My identity on XXXX. It looks like some one hits the caps button while im typing or adds punctuation also.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CO)

Equifax hack on X/X/2017. Credit report and all personal information was leaked. Completely unacceptable. Ca n't sign into Equifax to freeze or look into credit report at all to determine fraud.
Consumer complaint received 2024-02-17
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. (AL)

The following account has been on my XXXX and Transunion credit reports for years : XXXX - XXXX XXXX Acct # : XXXX Alleged date opened : XX/XX/year> Alleged balance owed : {$2500.00} This account is not mine and needs to be removed from my consumer reports. I have requested the following information from XXXX XXXX XXXX Bank for them to investigate the fraudulent account : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that gives you rights to collect in my state. 
6. The purchase agreement 7. Swear under penalty of perjury you were present during the alleged debt 8. Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers are correct 9. Master Bill Of Sale 10. Proof that the account number XXXX is 100 % accurate since this number was reported to my credit report. Anything account other than XXXX is not 100 % accurate and therefore would need to be removed from my credit report.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I have excellent credit ( >820 ) and three times I have attempted to apply for the Citi Aadvantage card.  All three times I was sent an IRS form 4506T because they needed to " verify financial information ''. The first time I submitted an application on XX/XX/20 and they sent me the IRS form soon after, and after several months of not receiving a response and regularly checking my application status online, I called in XXXX to ask what was holding up the process. They told me my application had " expired '' because they did not inform me that ( according to them ) line 3 of the IRS form I submitted was illegible. Line 3 is  for current address, which they mailed the form to in the first place, so it seems odd they could not fill that in themselves. The representative I spoke to about this told me they could see the form and that it was illegible. I asked them if any part was legible and they said no, not a single letter. I asked them to read me something from Line 2 since I wrote it in the same handwriting and they refused to even acknowledge they could see line 2. I believe they were lying for some reason that they could see the form I submitted - for what purpose I have no idea. I was told I needed to re-apply, and of course a couple weeks later they sent me a new form 4506T.

The second time I submitted form 4506T they emailed me with with a denial notice because they " couldn't verify some of the information on [ my ] application ''. When I called to ask for an elaboration the representative again said they could not process the form 4506T due to an " attestation '' box not being checked ( their words exactly ) and that I would have to submit yet another 4506T, yet the IRS form was sent to me with all the relevant boxes checked already. This time the representative told me I could email an image of the IRS form instead of mailing in a physical one which I had done the first two time. This third time I simply sent an image of the exact same form I had submitted the second time to the email address the representative  provided. After two weeks I received in an email the exact same denial letter citing that they couldn't verify information.

I have jumped through hoops for a simple credit card application. As I mentioned, I have excellent credit, and I was honest about the information on my applications. I believe they are denying me credit for some other discriminatory reason.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (CT)

I received a Cash App card in the mail today which was under my name. I do not have any affiliation with Cash App. I called them up and wanted to report fraud and I wanted the account closed because of fraudulent activity. They did ask to send a copy of the card received via email but I refused because they might start making unwanted purchases on the card. And my email and phone number did not match the account on file. The person said there was no activity on the card yet probably because I did not activate. Unfortunately Cash App did not take any action to investigate the situation further. Plus the letter that they sent me looks fake with some typos. It says to scan th QR code to activate the card.
Consumer complaint received 2022-09-08
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: AMERICAN EXPRESS COMPANY (NY)

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : $ XXXXCharge-Off, XXXX XXXX Date Opened : XX/XX/2015 Balance : $ XXXX-Charge-Off, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$42000.00}
Consumer complaint received 2024-05-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (OR)

So starting in XXXX XXXX XXXX I did a trial with XXXX and after the end of the trial I requested that the service end. Since then the company has repeatedly continued to charge my card and through multiple contacts with the company they have refused to stop charging my card. Even though the card has been locked for most of transaction attempts they have still relentlessly been attempting to charge my card sometimes multiple times a day and certainly multiple times a month. I have said them several emails requesting that they stop charging my card and they have not done so and claim they can not find the account. Is obvious for my bank account that they are continuing to attempt these charges and I've filed disputes with cash app and they say that the merchant has done everything that they can do correctly and there's no reason for them to refund or block any of the charges. I don't know what to do to stop them from charging my card.
Consumer complaint received 2020-01-25
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. (OH)

I am a victim of identity theft and i desired to have my information updated in order to prevent theft by mail, or digital fraud against me by old information obtained unlawfully. 

The addresses below needs to be removed and purged from the systems of experian address 1 XXXX XXXX XXXX XXXX, Ohio XXXX reported XX/XX/19 Entry unknown never had a contract for service, I never lived here or received mail here. 

address 2 XXXX XXXX XXXX XXXX, Ohio XXXX I have never lived here within the past 14 years and it is still reporting. The pre-approved offers were denied due to digital forgery of others who tried to pretend that they was me but did not have the code to unfreeze the credit reports. Police was notified noted and still is under investigations for the individuals by detectives.
Consumer complaint received 2020-09-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (TX)

Eq uifax Inc. 's systems were struck by a cyberattack that affected approximately 143 million U.S. customers of the credit reporting agency. Names, Social Security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers were accessed from XX/XX/XXXX through XX/XX/XXXX. My personal information was included in the leak, and I was not informed by Equifax. Even though they have all of my information, no notification was received via mail, email, or phone. I was notified through a third party ( XXXX XXXX ) of the leak and am in the process of taking steps to prevent possible damage to my credit/tax information including putting a 90 fraud alert on my credit reports, updating my personal and account information through my identity protection service, and filing this report. Further Action will be taken if fraud or identity th
eft results due to this leak.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

I was issued a US Bank ReliaCard for PUA Unemployment in Pennsylvania. 

I had issue getting a credit for a merchant for merchandise I did not receive so I disputed the charge with ReliaCard. I provided ReliaCard all of my email communication with the merchant and was issued a temporary credit AND my account was frozen for fraud.

I subsequently provided ReliaCard with information about my identity on 3 occasions : XX/XX/XXXX uploaded my social security card and bank statement ; XX/XX/XXXX faxed my passport, social security card, and W2 after being told the upload was insufficient ; XX/XX/XXXX uploaded my driver 's license after receiving an automated call requesting that I do so. 

I called ReliaCard on XX/XX/XXXX and was told that there was a XX/XX/XXXX note on the account stating that the documents had been received ; however there was no note authorizing the activation of my account. The card specialist " transferred '' me to the fraud department and the call was disconnected. I followed up with an email. 

I received a text message on XXXX stating that my account was validated and ready for use. However, the online account remains restricted ( I can not transfer funds ) and I was unable to withdraw money from the ATM. 

I called ReliaCard on XXXX and was told that all of the documents had been received but the account was not updated properly. The specialist " transferred '' me to the research department and the call was disconnected. I followed up with an email. 

I have been unable to access my unemployment benefits since XXXX and seem to have no recourse. US Bank is improperly holding my funds under false pretenses.
Consumer complaint received 2015-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (TX)

I was shopping for a mortgage and a representative from Quicken Loans told me they needed my credit card info to process the initial application, but the representative assured me multiple times that there would be no charge at this point, so I provided the info. I don't remember the date this exchange occurred, but roughly a week later (XX/XX/XXXX) they charged my credit card $XXXX without any notification or authorization from me.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Sales Inc. (GA)

US Auto Finance has continued to report false late payments on my credit history. The vehicle was returned to US Auto in XX/XX/2019. This account was part of a bankruptcy case that was dropped and a Federal court issued a order for US AUTO to close the account. 

The last late payment shown should have been in XX/XX/2019. The company has violated the FCRA by continuing to report false and unverifiable information. 

The vehicle that US Auto is claiming to be in my possession they have. Also, US AUTO has failed to follow Georgia law and properly notify me of the sale of the vehicle. US Auto took possession of said vehicle in XX/XX/2019 and they have yet to make any changes to the balance. Nor have they notified me in writing of the sale of the vehicle. 

A late payment of 30 days is being reported for the month of XX/XX/XXXX. This is inaccurate. The payment in XX/XX/XXXX was only late by 14 days. THE FCRA clearly states that no entity shall falsify any information in a credit file. This is false information. If the XX/XX/2019 payment was only 14 days late, the month of XX/XX/2019 should not read 30 days late.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom this may concern, my information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof to XXXX that I was in fact a victim of this data breach. XXXX has already deleted We Financial account from my credit report as a resolution and now I am asking that Experian and XXXXXXXX Delete this account immediately. Please help me delete this illegal account from my credit reports.