davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my XXXX credit report and affecting my credit score.

1 ) XXXX suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked. 

2 ) XXXX reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party.

b ) Comments 2 reports : " payment is payroll deductible ''.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (IL)

On Tuesday, XXXX XXXX 2018 I purchased a US Bank XXXX GiftCard at XXXX in XXXX XXXX, IL. I added {$500.00} in value at purchase. As per the instructions, I registered the card online, provided my name, address, email, and phone number. On Wednesday, XX/XX/XXXX, I began using the card to pay my Trash Collection service, electric ( XXXX ) bill, a prescription copay at XXXX, and my copay for my XXXX visit. 

I confirmed my new balance was {$280.00}, and went to use my card for another doctor copay for {$30.00} on Thursday, XX/XX/XXXX. The card was declined twice. It was embarrassing because I was confident there were funds available, and a doctor 's office is definitely a merchant where a reasonable person would expect a transaction would be approved. After a third decline at the doctor 's office, I offered a traditional credit card, and the transaction was immediately approved. 

Then, early on XX/XX/XXXX, I tried to pay my landscaper for snowplowing my driveway. The same {$280.00} was available on the card, and his invoice was only for {$47.00}. Again, the transaction was declined twice. 

At this point, it was obvious something was wrong, so I contacted " XXXX XXXXs '' at XXXX. As an aside, US Bank does NOT make this number easy to find. Not only is it not printed on the card itself, it is quite buried on their website XXXX. The representative kept providing a nonsense response that I was trying to use the card at a " blocked merchant ''. There is no valid reason my doctor or landscaper are blocked merchants, but the representative literally just kept repeating the same illogical statement. I read the cardholder agreement, and the only transactions which are prohibited are things like internet gaming, other illegal activity, and transactions outside the United States. 

I should be able to use my Gift Card to pay office visit copays or for snow plowing services, but as of now the {$280.00} is essentially locked on my card. I do n't need US Bank to pick and choose how I can spend my Gift Card. I am paying for ordinary, lawful transactions in the United States, that are clearly in the scope of their Cardholder agreement.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

FROM XX/XX/2022 TO PRESENT I HAVE DISPUTED A FRAUDULENT XXXX XXXX XXXX CREDIT CARD ACCOUNT THAT SOMEONE OPENED IN MY NAME BY STEALING MY IDENTITY. I NOTIFIED ALL 3 CREDIT REPORTING AGENCIES AND XXXX XXXX XXXX  ABOUT THIS FRAUD IN WRITING 3 TIMES, NOTHING HAS BEEN DONE TO CORRECT THE PROBLEM. THIS IS AFFECTING ME GETTING A JOB AND BEING APPROVED FOR HOUSING/APARTMENTS.
Consumer complaint received 2022-11-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (MI)

Paid for services/goods by XXXX XXXX and did not recieve all contracted services/goods and they filed for bankruptcy. 

I am filing this complaint against goodleap ( finance company ) as they provided hundreds of loans to XXXX XXXX  that were deemed fraudulent by deceptive sales practices and failing to provide services and goods ( source : XXXX XXXX XXXX  XXXX XXXX I completed purchase in XXXX of 2022. I contacted goodleap and they did not provide any remedies and just stated I need to pay my bill as they have nothing to do with who they financed ( XXXX XXXX ).
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
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 do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2017-09-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: AFNI INC. (KY)

This company Contacted me by letter on XX/XX/XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XX/XX/XXXX and told them that this was not mine. This company also called me today on XX/XX/XXXX and Told me if I did not pay the amount of {$1700.00} that they would contact Immigration services and have me deported. This is so wrong on so many levels because I am a NATURAL BORN CITIZEN.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX , XXXX reported my account with XXXX XXXX XXXX to Experian for {$170.00} in ERROR. The original invoice was paid to XXXX XXXX XXXX in XXXX, 2016. The invoice was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX while covered by XXXX XXXX ie. Obamacare. I have attempted to dispute the claim online with Experian ... .THE WEBSITE WILL NOT RESPOND. THERE IS NO TELEPHONE NUMBER published on website or on credit report I received in the mail. The process for disputing the ERROR via traditional mail is ONEROUS and ARCHAIC with regard to level of personal information requested by Experion. It is obvious to this consumer that Experian is not interested in correcting errors on credit reports they publish.
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC (NV)

A collection agency is reporting the incorrect " placed for collection '' date on my credit report for an account that is also past the 7 year reporting time frame. Also known as re-aging. The placed for collection date -XX/XX/XXXX, is actually the date the collection agency purchased the account from the original creditor. The account last payment was XX/XX/XXXX per the installment contract from the original creditor. According to FCRA Section 605, this account would have gone into collection/charge off on XX/XX/XXXX -180 days with no payment ; remained on my credit report for 7 years then removed from my credit report by XX/XX/XXXX. I have submitted certified letters to the collection agency, credit bureau and original creditor but the account is still on my credit report and with the incorrect date. 

The FCRA says that collection accounts must be deleted from your credit report 7 years from the date of first delinquency on the original account. The date of first delinquency is 180 days from the date of your very last payment to the original creditor.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

two days ago Bank of America closed my two checking accounts and savings account without cause and are refusing to let me have access to my funds until after XX/XX/2021. I am XXXX yrs old and need the funds for prescriptions, rent and insurance payments among other reasons. I did not do anything illegal or write any bad instruments or overdrawn my accounts. I have called several people at BOfA and told they can not release my money. they also have interrupted the social security check on the XXXX. they are located all over the country and can not let me talk to local management to get me access to my funds. I was sent several checks I did not solicit and was asked by a friend to deposit them deposited them and found out only recently that two were stolen checks and one was overdrawn the writers account.. I did not spend or try to collect any of that money. the bank unilaterally closed my accounts as if I was attempting to defraud them. I just want my legally own money not connected with those checks and the bank is refusing to give it to me or allow me to pay for necessities. I think that is grossly illegal to keep me from my legal money in a timely fashion.
Consumer complaint received 2022-09-09
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. (TX)

I wanted to buy another home so I looked at my credit in XXXX of XXXX, there are alarming accounts and inquiries that I did not make. This is disheartening as I worked so hard on my credit to be in good standing for the past 7 years since college. I have an account with XXXX who as everyone should know by now has gone through more than 3 breaches in the past couple of years. I do also recall missing my purse. I lost my purse on my birthday at the club some time ago in XXXX. Though, when I returned to the club the next day to see if I could find it, to my surprise the club owner gave it back to me with all my belongings still intact so I thought nothing of it. I don't know who could have stolen my information or sold it off for that matter. Again this is disheartening as I have reached out directly to Equifax, XXXX and XXXX several times on this - presenting them with all necessary documentation and still have not received any help or guidance. They have yet to respond by deleting all the fraudulent information on my credit report. I paused on putting an application in for a new home and hate that I have to go through all of this. I just want to be treated fairly, I am utterly disappointed in both XXXX and Equifax and XXXX. The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts.. DPT EDXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Quickly delete the items from report as soon as possible.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The bureaus are reporting an account with XXXX XXXX that I settled last year!!! I have sent in multiple disputes and they continue to report this debt. I have sent several letters to XXXX XXXX saying they are reporting inaccurately and have filed several complaints and no one can get a hold of them. This account is hindering me from being able to buy a home and this needs to be fixed immediatley.
Consumer complaint received 2017-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (SC)

I pulled my credit reports and noticed I am a " joint '' with a XXXX XXXX?? 
I am not aware of this company and I have never co signed with anyone for an auto loan. I have a vehicle. I have sent a certified validation letter to the address which the credit bureaus provided to XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and this company refuses to validate my signature or provide me with ANY paperwork for which I have signed for this vehicle. They have no paperwork because I did not co sign for anybody. I have NO KNOWLEDGE of this company. I need this removed from my credit ASAP. For this is holding me up from getting school loans for college.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a ftc report fcra,609 forms to equifax which they have not taken care of correctly! 
Fraud accounts, inquiries I never obtained used or owed or even paid because they were never mine they have not taken off. 
XXXX XXXX needs to be removed completely I never had a collection And I never paid XXXX they are lying I do not have any account with them. Equifax deleted the collection account on XX/XX/XXXX and then put it back on my report. 4 days later! THAT IS ILLEGAL and I have grounds to sue equifax for doing that! 

It needs to be deleted. 

My inquiries are not authorized These I requested to be deleted as well and they did not. I didnt give permission or even contacted these people XXXX XXXX, XXXX XXXX XXXX XXXX  Names needing to be removed that dont even exist are not mine Also the address Address I sent in
Consumer complaint received 2022-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CA)

In XXXX of 2020, a debt collection company named Security Credit Services notified me saying that I owe them {$2900.00}. When I tried to ask for information about this account, they were unwilling to give me information about it ; besides the fact that they have a signature that's supposedly from me & that they purchased the debt from XXXX XXXX. Numerous amount of times, I've disputed the account stating that they must have the wrong person because I am unaware of ever even applying for anything with XXXX. This account has been disputed 6 times, & still they are unwilling to remove this account from my report. I then took matters into my own hands & got help from a credit repair XXXX, & still nothing was resolved. This account is negatively impacting not only my credit score but also my credit report & it sucks because the debt they're trying to collect isn't even mine. I am in the process of looking for a new home, & knowing that this account is impacting me negatively is very discouraging. It makes it 10x harder to even consider getting a home when dealing with debt collectors who are like this.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One 360 has an issue with debiting purchase. My checking account is being debited this week for charges made last week that were paid for from my account. This has resulted in overdrawn account. I researched and found Capital One has had this issue in the past, has not been corrected. I am a person with XXXX, on fixed budget. This bank is getting paid twice and overdrawing accounts.
Consumer complaint received 2017-04-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (DC)

I submitted a complaint  ( Case nu mber :  XXXX  ) regarding non-payment of property taxes from escrow account. AmeriHome responded and said they had paid taxes. They paid taxes to parcel #  XXXX  which is the WRONG parcel # AGAIN. I had sent copies of tax bill clearly stating that the parcel # was  XXXX . I want the taxes paid and acknowledge their mistake. Taxes must be paid by Friday
Consumer complaint received 2018-02-01
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: EQUIFAX, INC. (FL)

Credit bureau posted Non verified statement of public records even though they claimed they did verify. 

When I followed up with the court records clerk, to understand how this was possible, they informed me they could not confirm or deny anything on public records. 

So if the clerk of the court can not verify, then that means that the credit bureau verification process did NOT occur contrary to their statement that they certified it was correct. They lied. 

My understanding is that any other third parties are involved to verify or certify information, by law they need to get my explicit permission. No one has contacted me to get my authorization in regard to my information property which also indicated no verification or certification was done, or was even possible.
Consumer complaint received 2017-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

XXXX / XXXX / XXXX  Tax Bill  1 D isbursement Payments - escrow behind  XXXX  {$5200.00} after payment Escrow was setup based off  XXXX  Tax Bill - ~ $  XXXX   County School t ax is  XXXX  per {$1000.00}  ( no  recent change in rate ) Escrow is behind due to lack of setting up proper escrow. Mortgage rate increased from {$1200.00} / month to $  XXXX  month This increase is for a year to catch up escrow Afterwards it will be set at {$1500.00} / month Attempting to work with lender to resolve the situation, at this time not getting much assistance in resolving the issue.     In risk of loosing house due to mortgage rate increase to cover for escrow mistake. It appears that poor practice of blindly setting up escrow based off previous year 's taxes instead of calculating proper tax rate is the source of problem. I, as the consumer, is left trying to resolve and fix the problem that others created.
Consumer complaint received 2017-09-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

On Saturday,XX/XX/XXXXat XXXX CST a call was placed from I, the consumer, to Cash Central. I do not know for certain if this is the company that has been completely rude and obscene to me because they do not identify themselves when they are leaving voicemails nor do they identify themselves when answering the phone. If you call them at the number they leave you on your voicemail it 's always a representative that says " Corporate, this is ( say their names too low so you ca n't hear them ). '' The first representative i spoke with was a woman although I could not get her name because she whispered it. I advised her I was calling in to request for all communication to cease and desist since I had already asked them to not call me anymore on XX/XX/XXXX at XXXX yet they continued to call my employer and references. On XX/XX/XXXX I was hung up on 2 times for asking to speak with a supervisor as well. The woman then transferred me to a man in " corporate '' who 's name was also whispered on the line. I provided all account information and was cooperative the entire time. I asked him to cease and desist all communication on my account and he advised me " yeah that 's not going to happen '' because my account was currently in collections and because I needed to pay everything at that moment. He was very rude and advised me that they will continue to try and charge my checking account until they get their money so to " just keep an eye out and to expect for my money to be gone ''. I asked him, on a supposedly recorded line, " Are you refusing my request for all communication to cease and desist? '' He stated " yes he was not going to stop any calls until you actually pay everything. '' I advised him I will pay their company when I can and have the ability to do so online. He still refused to cease and desist even though there is no law that states they can refuse that request if the account is in collections at that moment. He stated he would only stop the calls until next Friday for me to pay everything then after that they will continue to call me, my employer and references. He also advised me they will most likely take all of my money from my checking account before then either way so to just keep an eye out. I understand i am behind. That was never my intention to begin with. I could not help the fact that Hurricane Harvey affected my immediate family and I am obligated to do everything in my power to ensure their well being. However they did n't care to even try to listen or ask why I am behind or offer any type of assistance other than assisting me with attitude, being rude and obscene then hanging up on me.