davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (WY)

I 'm trying to get a mortgage, a credit report was pulled on me for the first time in many years. It revealed a credit card account with an account balance of {$6000.00}, opened in XXXX of 2007, with USBank. I know nothing about this account, and have never had an account with USBank. Someone has been making payments of {$40.00} per month on the account and my credit rating has thankfully not been impacted. 

I checked with USBank, a branch office in my town of XXXX Wyoming, and they have no record of me, or of the account. 

I filed a dispute with XXXX, they said it will take 30 days. I 'm trying to get a mortgage and I need this removed from my credit report asap. I want USBank to get on this right away, I ca n't afford to wait 30 days. 

I 'm afraid that an employee of USBank has fraudulently opened an account in my name and is making payments on it to disguise its existence, and it only became apparent when my credit report was pulled.
Consumer complaint received 2023-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc. ()

Crypto.com is selling airtime or minutes for cellphone carriers, and charging you more then what the stated price says. It will for example state a XXXX $ XXXX airtime voucher for XXXX XXXX  is a specific amount of XXXX. But when you check what dollar amount the actually charge you based on the displayed amount of XXXX  is in fact not XXXX $ XXXX, but always in the ball park of XXXX $ XXXX. When you ask crypto.com about this, they make it seem like its nothing but the exchange rate, but the value XXXX  cant physically change this much in a span of XXXX minutes. And I have went back to check the value price as it changes and its always XXXX $ XXXX. I believe this is unethical and wrong of crypto.com, they highlight the XXXX  % cash back for the transaction over their platform, but they fail to mention that you arent really paying XXXX $ XXXX, but really more. I have attached examples of the consistency of {$62.00} XXXX, vs how it says XXXX $ for the voucher, how now where it states their is extra charges, and how crypto.com tries to blame it on the spread sheet. If that was the case, then why does the costs they want to charge always convert to XXXX $
Consumer complaint received 2016-06-08
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Merchants and Professional Bureau, Inc. (TX)

Merchants called me in order to settle a collection account that was referred to them from my medical provider. When they called, they refer to themselves as a CREDIT BUREAU. As far as I know there are only XXXX national credit bureaus ( XXXX, XXXX, XXXX and XXXX ). When I questioned them about who they really are, they insisted that they are a credit bureau when in fact they are a credit collection agency. Their name is misleading and so is their representation to people they speak to. They try to intimidate me even when I kept questioning them. I believe they are fraudulently mis-representing themselves to the public in order to get clients to pay their debt.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion and XXXX have the same debt listed under XXXX different collection agencies. Transunion Reports XXXX XXXX XXXX and XXXX reports XXXX.. Both are reported at {$10000.00}. The original debtor is XXXX XXXX XXXX. There is only XXXX DEBT, not XXXX. This mistake is lowering my credit score more than it should. XXXX or XXXX of these is wrong and should be corrected / removed. Furthermore, I have never heard from XXXX XXXX XXXX, and XXXX XXXX XXXX has not finalized the supposed debt, at times asking for a much lower amount to settle the claim.
Consumer complaint received 2018-05-30
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)

All credit reports need be updated. XXXX  XXXX and Experian. On XX/XX/2018 A lender told me that XXXX XXXX on my XXXX report.
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX I sent XXXX XXXX a letter asking for verification of the debt that they say I owe. No reply was ever received back from XXXX. where is the signed contract that shows I ever had a contract with the original creditor of Amazon. It is well pass 30 days, I ask that this negative fraudulent account be deleted from my credit report ( s ). They are in violation of FDCPA
Consumer complaint received 2015-11-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (FL)

I constantly receive calls on my cell phone from " High Point Assets '' leaving a message for " XXXX XXXX XXXX ''. I see there is multiple complaints online regarding similar situations. I have XXXX voicemails within 15 days. I blocked the number because sometimes it just rings and hangs up. This is clearly a violation of the law considering it 's a robocall. 

XXXX : XXXX
Consumer complaint received 2022-10-03
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. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking how they were able to verify the bankruptcy reporting in the public record of my credit profile as accurate when the courts do not communicate with the credit bureaus at all. I have requested details and documents of how the bankruptcy was verified, but nothing has been provided and the information still appears on my credit profile.
Consumer complaint received 2020-10-07
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. (FL)

XXXX, Experian has refuse remove fraudulent accounts and inquiries this is the 3 time writing complaint and my 12 time calling XXXX please help me This are accounts Are fraudulent.
Consumer complaint received 2022-02-01
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. (SC)

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 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (OH)

I applied for a Cash out refinance Conventional Loan XXXX of XXXX. XXXX of XXXX I received a call from XXXX XXXX, loan originator say my credit score approved me for the Cash out refinance loan. XXXX of XXXX I received the official approval. XXXX of XXXX I received a denial of the loan. I've been a customer with PPH Mortgage for over 15 years never was late or missed a payment. I received multiple calls from the loan originator telling me the loan was in good standing. The money was for repairs of my home I've been living there since XXXX. I have all of application documents. PPH tied my personal credit for 4 months. I did not apply for any loans due to I didn't want any complications regarding my loan.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

This debt was with XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$280.00}. I pulled my credit report bacause I want to try and fix what I can. I saw this account was sold to XXXX and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$460.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

Made an agreement with Chase Amazon credit card for 2 different offers for 0 % APR financing. Chase is stating that because I over paid my credit card by a small amount than what was due. The 0 % APR offer is cancelled and requiring full payment of remaining balance due immediately. Not only was never informed this was the case, they seem to want to penalize a slight overpayment. 

Attached you'll find 2 statements, one before and one after this error was made. You'll also notice no mention of overpayment cancelling the remaining 0 % APR offer on the statement.
Consumer complaint received 2020-06-22
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$120.00} XXXX {$130.00} XXXX {$1500.00} XXXX {$5100.00} XXXX {$150.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX {$260.00} XXXX {$720.00} CHAPTERXXXXBANKRUPTCY DISCHARGEDXXXX {$0.00}
Consumer complaint received 2020-10-07
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: EQUIFAX, INC. (FL)

Equifax, XXXX  has refuse remove fraudulent accounts and inquiries this is the 3 time writing complaint and my 12 time calling equifax please help me This are accounts Are fraudulent.
Consumer complaint received 2022-02-01
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. (SC)

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 2022-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX {$710.00} CB XXXX XXXX {$0.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX BANK XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} FXXXX XXXXXXXX XXXX {$500.00} XXXX XXXXXXXX {$140.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day peXXXXod beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (AZ)

Hello, On XX/XX/XXXX I paid the remaining amount on the frontier credit card of {$110.00}. Following this complete payment, I requested the account be closed permanently and spoke to someone on the phone who confirmed the account was closed. Then on XX/XX/XXXX, I received an email, subject line : Account Alert : Your statement is available. 


It appears my account is still open, despite asking it be closed and being told that was done. I would like this account shut down and closed asap. 

Thank you.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (IA)

This Company Money Lion is claiming they loan me XXXX. I have never received any monies from this company. I have requested a written sign contract along with my ID and the copy of the check that was sent and cashed. I have not heard from this company since items was requested. I have spoken to my attorney and they agreed i have a case if they do not comply.
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My mortage was sold to carrington mortage services as of XX/XX/2016 my loan number there is ( XXXX ). i am current on my payments when my loan was sold i yet to receive my statement from them so i can send my payment to them!! when i contacted them they said they would send it with no change to my payments or it would stay the same.My loan number from XXXX is ( XXXX ) i also called them on XX/XX/2016 and i was told everything was ok and i had a 60 day grace period to get everything ready i have still not heard any thing from them please help!! i do not want to lose my home over this company i have reseached this company and heard very bad things thats why i am writing to you i am on a fixed income!! 1 and XXXX with a lot of XXXX from XXXX i have all of my mortage statements from XXXX!!! and letters regarding this matter. I ask you at the cfpb to go on line and see complaints simular to mine this is not right i am contacting you before thhey try to scam me like so many others please help thank you!!!! 
sincerly XXXX
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

There is a medical bill from XXXX reporting a collection on XXXX of my credit reports. The bill is from the birth of my XXXX in XX/XX/2018. At the time I was admitted into the hospital I was covered under XXXX insurance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also added my daughter to my employer 's XXXX plan and it was back-dated to her date of birth. Additionally, I was in bankruptcy at the time of her birth. The collections is under XXXX and XXXX and says the original debt was incurred this year, which it wasn't. This debt should have been disclosed XXXX years ago, but I am just being billed for it this year. All of the previous claims that XXXX has sent me were handled by the VA. I have documentation to prove my claims and somehow the XXXX and Equifax are claiming that the debt is valid and correctly reported.
Consumer complaint received 2018-05-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC. (FL)

XX/XX/XXXX this same character from XX/XX/XXXX is still attempting to open an fraudulent account using my personal information as a victim of identity thief that has a fraud alert on all the 3 different credit bureaus and still after I just informed Alley Bank to get stronger all their online procedures letting anyone apply online with out a verifiable documentation of where ( IP address, with city, state and town where the application is coming from or who is really trying to open up a account in a fraudulent transaction. a very weak security system to weed out id thieves ' on line especially when the same person has done this same crime 4 times from XX/XX/XXXX to XX/XX/XXXX at the same institution Ally Bank. This tells me that a weak procedures the bank has is not determining fraud on line at their banking institution. MY NAME HAS A FRAUD ALERT EVERYTIME THE SOCIAL SECURITY INFORMATION AND PERSONAL INFORMATION IS USE THRU ALL 3 CREDIT BUREAUS IN THE UNITED STATES! THEY MUST CALL ME FIRST!
Consumer complaint received 2020-10-07
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: Experian Information Solutions Inc. (TX)

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Please remove these FRAUDULENT inquiries.
Consumer complaint received 2015-12-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (CT)

As stated before in several complaints against BMW Financial Services and again here, payments on my loan do not reflect a total of XXXX down as negotiated with selling dealer, BMW of XXXX XXXX. The sales manager, XXXX, was attempting to extort XXXX out of me as a total of XXXX was supposed to be put down. However, only XXXX was put down and XXXX wanted me to give him XXXX in cash for his pocket. His exact words were, " You 're putting down XXXX but it will only show XXXX ''. Complaints against dealer have been made with XXXX ( XXXX ), Attorney General of Connecticut, Consumer Affairs in Connecticut, all unresolved. An extension would have remedied the matter, however, BMW Financial Services will not make an exception and denied all requests. Ive attempted to reach a XXXX XXXX, left several voice messages, in regard to this. He does not return calls. It appears BMW Financial Services will not budge in any direction in regard to this matter. Please consider this matter unresolved and advise them this will not go away, they will need to do something about this or they WILL continue to receive complaints.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NV)

Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.
Consumer complaint received 2022-02-28
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. (TX)

I continually complain against Experian and XXXX XXXX XXXX XXXX XXXX XXXX ) because they accessed my credit report without my permissible permission on XX/XX/2017. I continually request the permissible permission but I know it does not exist. XXXX XXXX plays word games like XXXX is currently doing with XXXX by denying, deceiving, and XXXX then labels all complaints as duplicate. Experian replies with a very nice deceiving reply mixed with donuts & XXXX but neither have sent copy of the permissible permission. So I will continue to ask for the permissible permission used by these XXXX XXXX world companies to access my credit report on XX/XX/2017 until they answer. It would also be nice for an employee to stand up against XXXX and Experian and say this isnt right.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to TransUnion Credit Bureau , Inc. three times. And I received investigation results letter by mail and TransUnion Credit Bureau , Inc. was refused to deleted inaccurate off my credit report.