davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (DE)

I notified XXXX XXXX  on or about XX/XX/XXXX of 2020 that I switched auto insurance companies. My new policy started on XXXX XXXX on XX/XX/XXXX I received a notice of cancelation in the amount of {$740.00}. On 2020 XXXX it reported on my credit report I owed {$3300.00}. I have reached out to XXXX XXXX  via phone and email I sent all the docs that they stated they need to resolve this problem. I talk to one person a supervisor who stated it was resolved and my balance was zero only to receive a email saying they need more details this one states they need copy of all my insurance for the past two years. No problem I sent it still no action has been taken to remove this item from my credit report. This is hurting my score and as a result cause financial pain to my family.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (IN)

On XX/XX/XXXX, I attempted to log-in via app to my Netspend ( XXXX ) " XXXX XXXX XXXX '' account to check the balance of the attached checking and savings accounts, but I was greeted by the message that my account had been locked. When I called customer service, the representative explained that I would need to submit proof of identity and mailing address via email to unlock the account. When I explained that I had moved to a new address almost 2 years prior and would be unable to submit any recent documents showing my previous address, the representative suggested I close the account and receive a check for the balance. Only after agreeing to do so did the representative point out that the check would be mailed to the address on file, which was my old address. When I asked how I could update my address to receive the check, she indicated I should email a copy of my state ID ( driver 's license ) with my current address to XXXX and that my account would be updated and a check mailed to my current address. I did so, but several hours later I received a reply from that email account indicating that the address on my ID did not match the address on my account, and that my identity verification had failed. I replied to explain my situation -- that I was not verifying my identity, but attempting to update my address per the phone representative 's instructions -- but I received another email indicating that the email support team could not help with my issue, and I should instead contact phone support again. In total, I made 9 phone calls to Netspend customer support over the course of two days ( XX/XX/XXXX and XX/XX/XXXX ), until I was finally assured by the last representative I spoke with that the address on my account had been updated to my current address ( after I successfully answered multiple verification questions ) and that a check for the account balance ( over {$1200.00} ) would be mailed to my current address within 5 to 7 business days. Today is the 15th business day ( 21st calendar day ), but I still have not received that check. I have even contacted the family living at my previous address to see if they received a letter from Netspend addressed to me, but they have not.
Consumer complaint received 2022-07-29
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)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00}
Consumer complaint received 2022-03-21
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/2018 Syncb/XXXX., added a derogatory remark on my credit report per credit karma and XXXX. Upon further research this account was transferred/sold, and I am no longer responsible for this account. Debtors ' creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA Syncb/XXXX  XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-10-12
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. (CA)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am XXXX XXXX XXXX recent widow, I applied for credit in the amount of XXXX XXXXXXXX. XXXX XXXX would not approve me, yet they have an account listed on my credit report that says it was still open, this should have been taken off after a bankruptcy in XXXX  ( XXXX Yrs. ) ago. I have no credit cards, but pay cash for what I need. My credit reports lists me as excellent in paying on time ( I pay XXXX every month for a mortgage they say I don't have ), I have a paid receipt from the county for property taxes paid by ME on property that is valued at {$250000.00}. They say they will generally approve if you have a credit score of 640+, my scores are XXXX. The XXXX bank say they will accept bankruptcy if is over 4 years old, mine is 8 years ( husband was on bankruptcy ). Debt to income should be over be under 36 mine is under 34. I have paid a car lease and now buying care w/co-signer ' and have never been late on house payment nor the car lease or purchase. XXXXXXXX XXXX ( also XXXX XXXX  ) is the servicing bank for numerous lending institutions, when XXXX XXXX  denied me credit they automatically rolled it over to all participating lenders which guaranteed me a no. Basically, I have assets over {$250000.00}, I have no outstanding credit cards, ( other than the one XXXX XXXX didn't remove and is inactive ), XXXX sent me a form letter that listed all their products, too many to count, that I was not entitled too. 

At XXXX XXXX XXXX there is no evidence that I will not live to repay my loan. If, unfortunately, can't pay for death or health reasons, I have a house in my name that can have a lein put on, My income is {$3300.00} a month. Other than normal living expenses my one and only obligation is the house {$780.00}. and car {$330.00}. The only thing I don't have control of is my age XXXX, I am healthy, active and have all my facilities.
Consumer complaint received 2021-08-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (FL)

Veterans United and XXXX XXXX. Recently I applied and was granted a preapproval for a loan up to {$170000.00} from Veterans United. I am retired, senior citizen, a veteran ( of course ) and a recent widower over the age of XXXX. I now live in Florida ( XXXX XXXX area ). I have limited income to include SS and a small pension. I told them what I was looking for, a condo 1-2 bedroom, etc. They were given my personal information, income, etc. and as stated approved for {$170000.00}. Over 90 % of homes sold in Florida have a HOA. After several days of shopping for a home, I was told by XXXX XXXX ( Loan Officer ) that I would need to deduct from the approved {$170000.00}, {$10000.00} for every {$60.00} of HOA. I never heard of such stupidity, especially here in Florida, the retirement state. The average HOA here is near {$400.00} and can be thousands. This added requirement ( which was not told to me up front ), destroyed my ability to obtain a decent condo, at a decent price, and added to that, they would not even mortgage a mobile home ( which could of been a savor ). I had to pull out and cancel the application ( after messing up my credit for no reason ). My second complaint is with XXXX XXXX wh

o three years ago back out of closing the week the wife and I was about to purchase a home without explanation. It left the wife and I homeless, we had already closed on our previous home and had no where to go. I had to rent a apartment and store my furniture for months. These two companies are a joke and its not fair to any Veteran to be treated like this.
Consumer complaint received 2021-08-08
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. (MS)

An individual hospital service provider illegally had a collections account added to my credit file. TransUnion illegally unlocked and removed a permanent freeze that I had on my account to allow this company to create and apply a credit debt to may account that belongs to the US Veteran 's Administration. I had this removed via my monitoring services with XXXX  but found that is now showing on TransUniion and they have illegally locked me out of my account by monitoring my security question answer that is used to access the account. I worked on this in 2020 to correct and freeze my account due to a breach and theft of a credit card and this credit reporting agency continues to violate not only my privacy and my rights but has allowed the illegal adding of an account to my locked and frozen credit file that I did not give anyone permission to add anything to and they continue to prevent me from being able to correct it despite being notified that it is not mine.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

On XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23, I disputed the completeness and accuracy of this closed account on my consumer credit report and it has come back verified. I do not believe XXXX XXXX properly investigated this account because there are obviously inaccuracies. 

The date open, date closed, the payment status, and the date of last activity are all reporting different information to Experian and XXXX. There are clearly quite a few inaccuracies that are being reported to the different credit reporting agencies. My consumer credit report is an indication of the discrepancies. 

XXXX XXXX was also contacted and still has failed to properly conduct an investigation and correct their errors. Based on 15 usc 1681i paragraph ( 5 ), it states that any information that is disputed by a consumer that is found to be inaccurate or incomplete or can not be verified that the consumer reporting agency shall promptly delete. Therefore, my question is this, clearly I have pointed out several inaccuracies on this one account reporting to the credit reporting agencies, so why havent this account been deleted from my credit report when XXXX XXXX has willfully violated the FCRA? This matter has been brought to Credit Acceptance attention regarding the various inaccuracies on several occasions especially since I have been disputing the accuracy of this account for the past several months which I have a copy of every single letter to prove it along with the letters from the bureaus stating the account has been verified which I cant see how an account has been verified as accurate with so many discrepancies being reported for the same account to different credit reporting agencies. 

Lets also take into consideration the date of last activity which is also among the several different discrepancies that is being reported from this one account. One bureau is reporting one date and another bureau is reporting a totally different date. This is a manipulation of the statue of limitations since I can not tell when this account is supposed to fall off my consumer credit report. This is a clear indication that the credit reporting agency was provided with different information on one account. This type of inaccuracy is causing me severe stress and is a financial misrepresentation. 

I am requesting that the account be removed completely from my credit report due to the inaccuracy and violation of my consumer rights under the FCRA .I believe that addressing these issues promptly is crucial to maintaining the integrity of my credit report and ensuring that my financial history is reported accurately. I appreciate your attention to this matter and look forward to a resolution.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX {$590.00} ; XXXX XXXX XXXX {$240.00} ; XXXX XXXX {$880.00} Accounts are not mine and were illegally put on my credit report
Consumer complaint received 2021-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I applied for a COVID 19 forbearance to help while Im out of work n because my income was reduced. My mortgage co approved the forbearance and they only approved the principal and interest n not the escrow. The P/I was put at the back of the loan but the escrow wasnt n because I was on forbearance for 6 months my escrow is short by {$16000.00} n I received a letter from my mortgage showing a escrow analysis with the shortage amount and if I didnt pay the shortage my payment would go up from {$1600.00} to {$3000.00} in XX/XX/2021. How is that helping my situation. If anything it made it worse. I need help..not make my payments go up.
Consumer complaint received 2023-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

I found a debit card issued by Square Cash ( via XXXX XXXX  ) lost on the street. To prevent the owner ( identified as XXXX XXXX, XXXX XXXXXXXX ) from losing their stored balance, I attempted to contact Square Cash to revoke the card. When I did so, however, I found that they not only have no phone number listed on the card itself, but their website says that they only bother to answer the phone during business hours.

Since I have used the Square Cash app in the past, I used the app 's " chat '' feature to contact them directly. They told me that they would not mark the card as lost despite it being in my possession, and that they would take no action whatsoever to protect their customer from being victimized. They then told me that my pointing out this was creating liability on their end was " unproductive, '' refused to escalate my request to their legal team ( despite my providing my bar number as an attorney licensed in Washington, where I live ), and closed the line of communication. 

Since this is a financial provider masquerading as a bank refusing to take even the most basic fraud protection steps, I decided that my only option was to report it for enforcement action to the CFPB.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2021-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (GA)

I NEED MY ACCOUNTS UNFROZE. I have XXXX in my accounts from my PPP loan. My account has been frozen for a whole week after NAVY FEDERAL APPROVED ME. I have kids and I need my money. I just please ask can they unfreeze my accounts please.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CO)

Since I am an XXXX year old man, it became apparent I needed to start getting my affairs in order. I have had a Discover card since 2008. I have carried a fairly high balance. recently I discovered they have been charging me {$79.00}. a month for something called Payment Protection. I called to discuss it with them. It has been on my account for years. I don't keep statements so I can't determine how much I have paid but it must be thousands. The lady on the phone quickly offered to refund me about {$500.00}. which was for the last 6 months. I ask to have it all refunded be got nowhere. The 6 month refund totaled some {$480.00} on the fees plus {$30.00}. of interest. Wow, they charge interest on the fees. Anyway, in researching on line I determined Discover has been fined and required to refund some XXXX XXXX  to customers. Wow, guess I missed out. I have sent the payoff of my credit card to Discover. I would very much like to get those fees back.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (KS)

I have a business account with Wise, since before the name change from TransferWise. I represent a nonprofit org ( XXXX ) and have used them for years to receive donations and reimburse volunteers on out of pocket expenses. 

Without warning, 3 days ago, Wise sent me an email stating I was deactivated : Weve deactivated your whole Wise account. We've also cancelled any pending transfers and refunded them to their origin. 

Learn how long refunds take. 

The reason behind our decision is because your activities exceed our risk tolerance. Please refer to section 1.2 of our Acceptable Use Policy, which states that we reserve our right to deny our services to any customers who exceed our risk tolerance. Just because we cant offer you our services going forward doesnt mean that we think your business activities are illegal or illegitimate it just means that we dont support those types of activities. 

I appealed it, and they said they will keep the account closed. I got no other information why. 

So now they have all the org 's money, so I asked for an ETA when they could send me back my money, and provided the same bank account info that was in the Wise account again in the Appeal form. 

They linked me XXXX XXXX XXXXXXXX, which says ACH transfers such as mine can take up to 60 days. 

I have reached out to them via XXXX in hopes it would be a helpful discourse, and learned many others didn't get their money for far longer than this. 

I am still trying to work with them, but its frustrating because they give me bad links and advice ( telling me to go enter the info in the appeal form, telling me the 'self service ' was cancelled, all sorts of things ) and I have no idea how my org will operate with no money.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear Consumer financial protection bureau, My name is XXXX XXXX and my bank account has been compromised.On XX/XX/XXXX around XXXX, I started getting emails that I`m transferring money to some unknown persons as well as I have changed phone number to person that I have transferred money before.I called bank immediately, but while I was waiting on customer service representative, they have already stole {$400.00} from mine and my son account ( {$200.00} from each account ) .I have spoken with customer service representative ( using same phone while they were draining money from my account ) and filled the claim.Few days after I did receive claims back, telling me that Bank of America will not honor the claims.I have called them again and I was told that they will re-consider claim only if I can provide proof from XXXX or XXXX  that my XXXX has been hacked? After hours spent with XXXX and XXXX, none of them are issuing any type of written documents that my XXXX is hacked.Also they told me that is impossible to clone sim card or to use same XXXX at two different locations ( what BOA just told me as excuse not to refund me ) .Bank of America issued a file where was stated that I did log in with my XXXX at the time when fraud happen in XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ) .I did not leave Maryland for last 6 months.Just came home from work when that happened ( Please see all collected documents attached from the bank and from my emails ) .Even IP address of hacker is provided.Bank simple ignored whatever I told them and at the moment I can`t get money back.There was another strange thing, that my two forms authentication did not work this time.Ususally then I want to log in, Im getting code on my cell phone, but not this time.In the mean time I made a phone call to the number I have found under recipient email, where money was transferred and follow up with email too.He received {$300.00} total ( XXXX  {$100.00} ), but no idea if he is involved in this fraud ( could be random choice of hacker ) and spoke with him and also exchanged emails ( copy of email included too ) .Latest update was that he would like to send me money back, but his XXXX account has been blocked as well as XXXX XXXX XXXX  account.I did report this to Police ( Case # XXXX ) and to IC3 sponsored by FBI. 
Please help me to get my money back.It has to be some customer protection from the bank or your side.