davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2022-09-27
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: GOLDMAN SACHS BANK USA (WA)

In a accordance with a fair credit reporting act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agencies can not furnished an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes
Consumer complaint received 2019-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

Loan Care is holding insurance claim money in escrow due to my house burning down in XX/XX/XXXX. My loan was through XXXX XXXX, but it was sold to Loan Care after the rebuilding process had started. I submitted all of the required documents for the insurance claim to Loan Care including the Contractor 's  bid on XX/XX/XXXX, the approved building plans on XX/XX/XXXX and a copy of the building permit issued by the county on XX/XX/XXXX. Loan Care was supposed to disburse 50 % of the funds that they are holding in escrow to my contractor once they completed a 3rd party inspection proving that the rebuild was at least 50 % complete. That inspection was accepted by Loan Care on XX/XX/XXXX and it was determined that the rebuild was 60 % complete. I called on XX/XX/XXXX and was told by XXXX that the draw for 50 % of the funds was requested. I called again on XX/XX/XXXX to be sure that it was moving through the process and I was told by XXXX that the draw had been canceled because Loan Care never approved the rebuild of the house. It was never at Loan Care 's discretion to approve the rebuild since the construction began when the loan was being serviced by XXXX XXXX. Loan Care is now refusing to disburse funds based on the notion that the didn't approve the rebuild even though the accepted the plans and the contract to rebuild months ago. They also already disbursed funds to pay the architect and the septic engineer. My contractor is going to cease construction unless I get them a disbursement of 50 % of the money in escrow by XX/XX/XXXX
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I had asked both my bank and CashApp to dispute a transaction with an individual on XX/XX/2023 for {$100.00} for online services which they failed to complete thus making it useless, and promised to send the money back but failed to do so. After opening a dispute with XXXX  XXXX XXXX, CashApp denied the claim deeming that they completed their end of the transaction by moving the money from my account to the other persons. 
As you can see from the pictures below, the person in question gave me their CashApp ID previously, which is the same one I sent the {$100.00} to, and the photo shows a couple hours after the money was sent that they stated they had to cancel on my due to personal issues and agreed to send the money back but failed to do so as can be seen by their and my own transaction.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (PA)

BBVA bank had been planning on closing Simple and converting the customers to their bank on XX/XX/2021. They had been planning for months. I had moved most of my money out, but about a week before Simple closed, I deposited a check for around {$3900.00} and when it cleared, I was not given the option to move the funds to my new bank. I decided to wait until XX/XX/XXXX when the conversion was complete and would take the money out of my newly assigned BBVA account, however, I was not able to get online access. 

Their customer service kept hanging up after saying " they couldn't hear me '' ; and it is almost certainly pre-recorded messages as they pick up immediately after one ring and all sound the same with the similar message.

There are multiple other people experiencing the same issue with the online account access and customer service hang-ups. There is not a physical branch within 2,000 miles of me, so it is extremely difficult to get access to my funds.

BBVA had months to prepare for this transition and have failed to provide adequate customer service support for the failed transfer of services. I, and a lot of other people, are not able to access our money when we need it the most. 

I hope some sort of action can be taken against this gross misconduct of people 's finances.
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (MI)

On Friday XX/XX/2022 I attempted to change my email address with Klarna, they advised it would take two business days. 

I received a push notification on XX/XX/2022 around XXXX AM that I had a message on the Klarna app. I went to see what the notification was and it logged me out. I assumed it was due to the email change, I received no notification either way. I attempted to log in with both my new and old email, both options didn't work, so I called Klarna customer service. I explained what got me to them, that when it asked for a phone number to verify, their system gave me an error. Customer service was confused why I received the error, was not confident in how to fix it. Ultimately I was advised the email change may take an additional 24 hours to wait before trying to log in again. 

On XX/XX/2022 I called as my attempt to log-in continued to be unsuccessful. I received an error message just as before when the verify phone number screen was presented. The customer servicer representative XXXX told me that she wasn't sure why the error message was presented to me. She advised there was several things we could try. 

I am paying nearly 30 % interest, with automatic payments being debited from my card. I should be able to change my email address without having to jump through hoops, and if I do, I am able to do so with confidence. Klarna had XXXX confidence in helping me get me on my way. One solution was to text Start to a short code XXXX. That didn't work. Waiting as I was instructed for 24 hours didn't work. Another path too fix my issue was verifying my identity with a third party app with taking a photo of my passport and drivers license. No disclosures were provided from the third party app or how my information was going to be handled was provided. This certainly wasn't the process in signing up through XXXX when my relationship with Klarna began. 

When I asked to speak to a manager in hopes I could get the issue resolved with confidence, I was told none were available. I don't receive a normal statement in the mail, email etc. They certainly weren't wanting to help with discussing when I have a payment automatically drafted while waiting to get back into my account. If I am unable to pay on my account, & access my account to make decisions, or be advised with confidence, then this company shouldn't be in business.
Consumer complaint received 2021-01-19
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: Paramount Recovery Systems, L.P. (AL)

Upon reviewing my credit report on XX/XX/2020, I discovered that there is an inaccuracy with the credit bureaus. I have filed a report with the federal bureau and the company. It has not been removed.
Consumer complaint received 2023-03-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (TX)

Everyone needs to avoid XXXX. I used Affirm loan company to pay for XXXX  for services totalling in XXXX. XXXX monthly. The tutoring services I paid for were not as described. They never went over or tutored me on anything. They never answered any questions I had about the subject. They just sent me quizzes and passages about material that is not covered on the XXXX test. At 2weeks I noticed this pattern. I asked if I can discontinue and pay them for that 2 weeks which would be XXXX. They refused. I originally paid for a {$1900.00} 8week program. They wont give me material for 8 week just the 2 week because I opened up dispute with affirm. I am faithfully paying affirm XXXX each month for a service I am not getting from this tutoring company. I told affirm about this and so far they are siding with the merchant because of their no refund policy. I dont find it fair because I am not getting all my services nor a refund and I am constantly paying. I continued paying out of fear that affirm will mess up my credit and put me in collections. I keep telling affirm and opening disputes and telling them how I am not receiving services or my money back and how I am not receiving tutoring like the website claims. I really prefer my money back at least partial. Because the material they will send will be useless to the test prep and no actual tutoring. But at least I will get what I paid for. I cant get either. I dont know why affirm keeps closing my cases and allowing this or why they even deal with this illegitimate company to start with.affirm appears to always side with the merchant. I feel scammed of this tutoring company and helpless. Affirm is not helping. I would suggest that no one use affirm for any merchant. You will not get your money back if service product is bad/ nonexistent. Unless that merchant offers your money back you are screwed. Use your bank card to the merchant and ask for a loan seperately and put the money in your account. Dont do no loans asking for routing number, account number.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TX)

I have been charged twice in the same month XXXX XXXX $ XXXX $ by XXXX XXXX  i called them about it and did not want to look into it or refund me so i got a hold of my credit card issuers that is cash app and filed a despute and still did not look into me getting charged twice in the same month it said due to my account canceled please look into this and help them relize that its robbery
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (NC)

I am trying to link PNC account to XXXX investment app. I tried several weeks ago to link my account and it said that PNC doesn't allow that but that they are working on it. 

I waited several weeks ... maybe a fee months and then tried again today. ( XX/XX/2020 ) They still do not have it straitened out so that the two accounts can be linked. I would like it to work as soon as possible. Thanks!!
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my TransUnion consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXXXXXX Account number XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX  XXXX ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX  XXXX Account number XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2023-06-30
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. (NY)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2024-10-16
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. (GA)

I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are references are EXACTLY as it appears on my credit report that your company has reported.

Please correct or delete this accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Currently in forebearance ; have tried to contact about loan modification the last two months without response via online, phone, and email. As of XX/XX/2020 it shows a investor full settlement even though we have requested a loan modification and have not been notified. Why isn't my servicer answering any of my correspondences? 

XXXX XXXX  - Loancare Servicing XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX
Consumer complaint received 2023-04-03
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. (PA)

This process is my attempt to follow up on my complaint to make sure that these items are removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed items are erroneously reported in my credit report, please remove or block them.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Urgent Dispute Removal of XXXX XXXX XXXX and Rent-to-Income Inaccuracies To Whom It May Concern, This letter serves as an immediate dispute regarding inaccurate information currently being reported by RealPage and LeasingDesk on my consumer file. I am requesting that you correct and remove the following errors within 48 hours of receipt of this letter : XXXX. XXXX XXXX Balance : Your records inaccurately list a balance from XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX. I do not owe any balance to XXXX XXXX, and this incorrect information is negatively impacting my ability to secure housing. I demand the immediate removal of this erroneous balance. 
2. Rent-to-Income Data : Your report contains an inaccurate rent-to-income ratio. This data is not a true reflection of my income, and it is absolutely unacceptable that you are misrepresenting my financial situation. How can you determine my income better than I can? This false information is preventing me from getting approved for housing, and I demand it be removed or corrected immediately. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are legally required to report accurate and fair information. Specifically, Section 611 of the FCRA mandates that consumers have the right to dispute any inaccurate information, and your organization must investigate and resolve such disputes within 30 days. However, due to the serious nature of these errors and their impact on my housing applications, I am demanding these inaccuracies be corrected within 48 hours. 

Additionally, Section 605 of the FCRA ( 15 U.S.C. 1681c ) prohibits the continued reporting of incomplete or inaccurate information, especially when it affects a consumers ability to obtain housing or credit. 

Immediate Action Requested : Remove the inaccurate XXXX XXXX balance from my records. 
Remove or correct the false rent-to-income ratio from my file. 
Provide written confirmation that these corrections have been made and supply me with an updated copy of my report once the errors are removed. 

If this issue is not resolved within 48 hours, I will have no choice but to pursue further legal action to enforce my rights under federal law, including seeking damages for the financial and emotional harm caused by these inaccuracies. 

Please confirm receipt of this dispute and update me on the status of the resolution as soon as possible. I expect to receive an updated and corrected report promptly once these issues are addressed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2022-07-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

Payment history was never late. I paid two payments in advance in XX/XX/2021 for XXXX and XXXX. Then mysteriously I have a late payment for XXXX. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( B ) Reporting information after notice and confirmation of errors XXXX removed the late fees associated with that payment.