davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-19
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: Experian Information Solutions Inc. (SC)

Im having difficulty contacting Experian. I've mailed in documents, got not response, called inquiring, and was greeted by a representative outside of the united states who of course couldn't locate my disputes. I've tried Experian upload but it just times out every single time i try. I refuse to contact XXXX  by phone again, although the rep was trying to be very helpfully, the call center was located in XXXX and the language barrier was too much to deal with, and i wasn't comfortable giving my information out to possible be exposed again. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. PLEASE HELP. PLEASE RESPOND TO ME.
Consumer complaint received 2019-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

This complaint involves the XXXX XXXX XXXX credit information, Account # XXXX { Please refer to the attached } on my Experian Credit Report/File. 
Although this is not a negative account, it is still not ACCURATE because I have never dealt with XXXX XXXX. I have tried to dispute this account with Experian some years back, but they would not remove it. In fact they placed a BLOCK so I am not allowed to dispute it again.This account is now PAST 10 YEARS OLD, and they still have not removed it.
Consumer complaint received 2019-07-05
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: JPMORGAN CHASE & CO. (CA)

Chase loan is indicated on XXXX and XXXX credit reports but its 11 years old. There is also the following comment : skip and trace. Chase wrote off loan and I paid taxes on it in 2012 and never pursued me. Loan should be deleted if I can't pay it back. I communicates this to them but nothing changed. This is ridiculous.
Consumer complaint received 2019-07-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

Hi my wife and I refinanced our existing fha mortgage 1st week of this past XXXX to consolidate some debts with loan depot. The process from start date of about early XXXX until closing XX/XX/2019 was the most brutal, highly stressed, misinforming, agonizing process my wife and I have ever had to deal with. XXXX XXXX was our loan officer who at one point left us hanging with no communication for 2 weeks until her manager XXXX XXXX got involved and took over apologizing for XXXX actions and how she handled this. XXXX was just as bad with communication, lingering, and ended up having XXXX retake over the loan without informing, which i gave a second chance to just move forward and finish the loan but shouldve known better with so many red flags that we were not represented properly. We were also told lies that we found out after closing. One lie was we were told we would be recieving about {$8000.00} escrow refund check from XXXX XXXX XXXX our first mortgage. I recently inquired and found out it was about {$850.00}, huge difference and complete lie. Second lie was that we can apply to hud after closing to get prorated return premium on our up front mortgage insurance premium on first loan with XXXX XXXX XXXX. That was a lie as well after we spoke to hud, hud explained there would be no return premium and that a credit was applied already to loan depot loan, which is completely fraudulent on XXXX XXXX and loan depot. Also our closing disclosure kept changing and also changed on us right before closing with amount of cash to close at table around {$23000.00} and we continued and went thru just to get over this long brutal process that we could not imagine starting over again with another company. Also keep in mind we were told we would get back {$8000.00} escrow check and a prorated return premium for up front mortgage insurance which we only had the first mortgage for about 2 years so we thought several thousand dollars since we did pay about {$6000.00} on 1st loan. Another lie after Hud informed us not true. We thought we would be getting back $ 10-12k dollars back in checks which is the main reason we put down so much to refinance, otherwise it doesnt even make financial sense. This loan from begining to end between XXXX and manager XXXX, was completely disturbing, fraudulent, misrepresented, and unethical. Our livelihood is on the table and not taken into consideration not 1 %. This was cruel, unethical, incompetent on their behalf, fraudulent, and wrong on so many level. They should be held responsible for all this at the highest level possible and their license should also be questioned and they both should be investigated as im sure im not the first or last consumer who has dealt with this.
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MA)

ELAN XXXX XXXX, While reviewing my XXXX/XXXX/2019 Statement attached to this complaint, my new balance shows {$4200.00}. In the automated response it states that my balance is {$4200.00} and increase of {$30.00}. I called and spoke to a Supervisor, XXXX badge number XXXX. XXXX could not clarify why the difference in the two amounts. I reminded her that all fees must be disclosed to consumers by government mandate. I am requesting an explanation and why backdoor fees are being added without knowledge to consumers.
Consumer complaint received 2020-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Plastiq Inc. (PA)

Plastiq is a bill payment company which lets you use credit cards to send payments by checks to payees who do not accept credit cards directly. 

They have a referral program where if you refer someone and they make a payment over {$500.00} then the referred person gets {$500.00} of Fee-Free-Dollars and the referrer gets {$1000.00} of FFD. These FFD can be used to send payments exempt from the usual 2.5 % charge.

The complaint here is that I referred my daughter and she made payments over {$500.00} yet Plastiq refused to issue the FFD to her and to me, and refused to provide an explanation.
Consumer complaint received 2019-07-05
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: Innovis (RI)

I checked my Innovis, XXXX XXXX XXXX and XXXX reports and i noticed accounts on there that don't belong to me and addresses as well. 
Accounts. 
1 ) XXXX XXXX XXXX {$560.00} opened in XX/XX/XXXX 2 ) XXXXXXXX XXXX {$72.00} opened inXX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX{$860.00} 4 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX{$870.00} 5 ) XXXX XXXX XXXX  `date opened XX/XX/XXXX{$620.00} 6 ) XXXX XXXX XXXX XXXX date openedXX/XX/XXXX {$400.00} 7 ) XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$400.00} wrong addresses 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX0 6 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong phone numbers 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX  Inquiries I didn't allow 1 ) XXXX 2 ) XXXX/ XXXX XXXX  3 ) XXXX XXXX XXXX 22 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX   7 ) XXXX XXXX XXXX XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX  11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX   14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXX 16 XXXX XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX  19 ) XXXX XXXX 20 ) XXXX XXXX XXXX 21 ) XXXX XXXX XXXX  22 ) XXXX XXXX XXXX
Consumer complaint received 2019-07-11
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: Experian Information Solutions Inc. (TX)

I disputed the inaccuracy of an bankruptcy that was on my credit report with all 3 credit bureaus. XXXX was the only on deleted the inaccuracy from my credit report. Experian  and XXXX are still reporting it as being verified but want state how they are verifying it. I have disputed it several times with my lastest being XX/XX/XXXX. I tried again in XX/XX/XXXX but they are not letting me dispute again and keep saying it's verified. This is the message I keep getting from them : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have been going back and forward with them about this for the last 6 months. On both of my credit reports it shows no numbers or account numbers to even verify the information so how is it even being verified as they are saying.
Consumer complaint received 2019-07-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I sent in a Dispute letter to all 3 credit bureaus ( Experian, XXXX, and XXXX ) to send me proof that the below accounts belong to me. For example ; Documents with me signature which was stated in the letter because the bureaus stated that it was verified prior to me sending another letter for proof with my signature. 

XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX ) Experian ( XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, ) I  received a response stating that the accounts were verified again with no proof!! I demand that these accounts be removed from all of the credit bureaus because it is against the to not respond properly when an item is asked for PROOF! I sent in my letters and it has been well over 45 days without proof of my signature. Ive wrote the credit bureaus and this was not a good response for the second time.
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

A company call convergent outsourcing, client service, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. They attempted to collect a debt that was originated as a fraudulent account with the XXXX XXXX  XXXX XXXX, a utility company. I informed them in 2019 that this was a fraudulent account and I am not responsible for it. I filed a police report and provided them with the information. However they continued to call me daily, nonstop, sometimes twice a date to collect on the debt. In addition, the utility company itself refused to help. I asked for information on how the account was opened with out my consent, I was told thats non of my business. I find this abaolutely unacceptable both by the debt collection agency as well as the utility company.
Consumer complaint received 2019-07-05
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. (NV)

the following companies ran unauthorized credit inquiries on me.. I did not give them the permission to inquire about my credit status..Please delete this misleading information : 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 2019-07-05
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: EQUIFAX, INC. (NV)

the following companies ran unauthorized credit inquiries on me.. I did not give them the permission to inquire about my credit status..Please delete this misleading information : 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 2019-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MS)

Im a cash app customer in XXXX Mississippi. On XX/XX/19 a customer paid me by cash app in the amount of {$340.00}. Around XXXX my wife and I had dinner at a local restaurant and spent {$36.00}. This was my only purchase that day. The next morning I awoke to 5 complete different charges from 2 different merchants in a state far from my home that Ive never even visited. My card had not been stolen either as I still have it on me. All 5 transactions were made from gas stations in XXXX Tennessee. Four of the charges where from XXXX XXXX  XXXX  XXXX. This merchant ran 3 transactions of {$50.00} and 1 transaction of {$49.00} for a total amount of {$190.00}. It says gas above the name XXXX XXXX  on the cash app statement but no other information provided. The 5th transaction was from another gas station XXXX also in XXXX Tennessee for the amount of {$50.00}. This the only information I could see or come up with as I started to frantically search for the exact locations and phone numbers but was unsuccessful. I went through the steps of openin tickets of unauthorized transactions on each on and I searched for a customer service phone number for cash app and learned there isnt one. You have to email them and wait on a response. I have got only 2 response with the 1st response 5 hours later was one asking for a list of the names of merchants, the dates and time the transactions occurred and the exact amount of each one. And a reason why I was disputing the charges which was of course fraud/no knowledge. The second response after I emailed the info they told me to provide wasnt as hopeful as they informed me that I needed to contact the merchants and ask them for a refund myself and after they agree the refund initiation could take up to 10 days. Problem is that there is several XXXX  gas stations and several XXXX XXXX XXXX stations located in XXXX Tn and there is NO information provided to me on this app of any physical address or phone number which would help me locate these merchants. XXXX XXXX provides the service with Square cash aka cash app so why would they not be able to provide this information for me or track down where my money went and how someone was able to do such without my card or pin. I in trusted my money with cash app and never had a problem before until now. Please help me as I do not know what to do other than take a {$300.00} loss of my money.
Consumer complaint received 2019-07-05
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: MoneyLion Inc. (SC)

My name is XXXX XXXX. Im a victim of fraud. I realized this account been on my credit report after realizing XXXX had to credit file for me. I tried calling the company but I been on hold for an hour or two for months. So, I informed the credit bureaus with my police report that this account is not mine. It has been deleted and blocked from XXXX and XXXX ; however its still reporting to XXXX. The account number associated with the account is XXXX. This is the information off the credit report. I never open an account with this company. I spoke to someone with Moneylion finally on Tuesday XX/XX/2019, and I couldnt get any resolution. This company is ridiculous. Also, XXXX have police report on this item and will not remove fraudulent item.
Consumer complaint received 2019-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (IN)

On XX/XX/2019 I called GLA COLLECTION COMPANY, INC in order to dispute a collection fee that was reported on my credit score. Upon speaking with a representative, I was informed that the collection came from XXXX XXXX XXXXXXXX XXXX XXXX. I was provided with an account number to assist me in calling XXXX XXXX XXXXXXXX XXXX XXXX to find out where the bill came from. I revived verification from XXXX that I did not owe any money and that they had not sent me to collections. They Instructed me to call back and ask for an itemized list from the company. I called the company to ask for an itemized bill and they stated that I was past the point of receiving and itemized bill as the debt had been in collection for over 6 months. I indicated that I never received any correspondence about this bill, nor phone calls. The company is asking that I pay the full amount to remove the collection from my credit score without providing me a written statement as to where the bill came from. Please investigate this company as I believe this is a fraudulent case of extortion through.
Consumer complaint received 2019-07-05
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-09
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: Experian Information Solutions Inc. (GA)

The company is still reporting the wrong information ... its shows 30days late on different months and the in the report I have found severa inaccuracies. So if I can see the inaccurate information. How they cant. What did they check the information on to see that it was accurate ... I dont understand how in XXXX I was 30days late with XXXX but on time XXXX and Experian. Then in XXXX late with XXXX and Experian and on time with XXXX ... My Open Date is Wrong, My Last Reported Date Is Wrong, Date Last Active Is Wrong, Date Last Payment Wrong .... So Please Tell me how there following the laws of the FCRA if the information they say to be true and accurate is not In fact accurate ... I Never missed a Payment ... please update my credit report to payed as agreed and remove the 30day late payment from my report
Consumer complaint received 2019-07-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent in a Dispute letter to all 3 credit bureaus ( XXXX, XXXX, and Transunion ) to send me proof that the below accounts belong to me. For example ; Documents with me signature which was stated in the letter because the bureaus stated that it was verified prior to me sending another letter for proof with my signature. 

Transunion ( 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, ) I received a response stating that the accounts were verified again with no proof!! I demand that these  accounts be removed from all of the credit bureaus because it is against the to not respond properly when an item is asked for PROOF! I sent in my letters and it has been well over 45 days without proof of my signature. Ive wrote the credit bureaus and this was not a good response for the second time.
Consumer complaint received 2019-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (TX)

Union Bank has charged me service fees for an account that has previously ( for more than one year ) been free. 
Further, there are unknown debits on my account that I wish to address. 
In my efforts to receive assistance from Union Bank, i've done nothing more than waste four hours of my day with people who chose to be rude, XXXX, difficult, and abusive. 
XXXX XXXX XXXX