davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

On XXXX, I contacted someone I thought was an employee of XXXX about fraud and identity theft. I found their number through my XXXX app, but I didn't realize that had been hacked, and a fake number given. The person who committed fraud against me convinced me to use an app called XXXX to share my screen with him. He told me that the person who had committed the initial fraud against me, about whom I contacted him, had my identity and information and was trying to steal more money from my bank account using Cash App. He convinced me to send {$1500.00} to my sister and have her send it back to me on XXXX. Unbeknownst to me, as soon as the money was received from my sister, it was stolen and used to buy Bitcoin. The fraudulent individual convinced me to do the same thing on XXXX, sending {$2000.00} this time. When I realized that this further fraud had taken place, I took steroids to try to get the money back. I contacted Cash App on XXXX, and the representative I messaged told me that the money could not be reimbursed.
Consumer complaint received 2020-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (NV)

Around mid XX/XX/2020 I called Discover to dispute a charge of {$760.00} on my checking account ( debit card ) which was made from XXXX on XX/XX/2020 due to services not rendered. The representatives refused to help me dispute the charge every time I would call saying it was against their regulations to dispute this charge. I did call back around XX/XX/2020 and asked them to dispute it due to fraud. They disputed it, but later denied it on XX/XX/2020 and reversed the provisional credit. I feel this is negligence on Discover for not allowing me to dispute a charge when I did not receive the services which is considered fraud. I would like to dispute this using  charge back code XXXX for services not rendered. I also feel it is discrimination and unfair because I used my Discover credit card to pay XXXX  and they disputed and approved my refund. However, the same bank wont do the same on my checking account I have with them which is contradictory. Please assist with this matter.
Consumer complaint received 2022-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NJ)

I currently have two loan servicers, XXXX ( transferred from XXXX ) and Aidvantage. 

I consolidated my loans when I applied for PSLF in XXXX. A small portion of my loans were transferred from XXXX ( now Aidvantage ) to XXXX and the rest stayed with XXXX. 

When I asked about this at the time, first I was told by XXXX that it would take time for the loans to transfer and then I was told that the servicer didnt matter and all of my loans would be counted under PSLF . 

On XX/XX/XXXX, I was on the phone with Aidvantage ( 2x ), XXXX ( 2x ) and the Department of Education and been wildly different things about loans transferring to XXXX. 

XXXX said that the loans should be transferred to them, but because my paperwork from XXXX isnt transferred completely yet, they couldnt really tell me anything else. The second time I called, I was told that once they got all of my loan information from XXXX, they would be able to request a loan transfer from AidVantage. 

Aidvantage first said that the Department of Education had to tell them to transfer my loans to XXXX. The department of education said that this was not true and urged me to file a complaint. 

I called Aidvantage again, and a different person told me that XXXX had to request that my loans at Aidvantage be transferred to them. She said I should wait until my paperwork from XXXX be fully transferred ( should happen by XX/XX/XXXX ) and then request that my Aidvantage loans be transferred to XXXX. 

Im afraid that this will impact my PSLF and I dont know why I being told different things from different people every time I call.
Consumer complaint received 2019-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

The company overseeing my Stafford loan made minimal efforts to contact me ( only sent letters to the address of the college I graduated from ) before sending my loan to collection. My phone number, which has been the same for six years, was easily available to them. The first notice that reached me regarding the delinquency of this loan was through my preferred credit score checking program. There was no identifying information for the company, and it took significant effort to find out who they were. Once I was in touch with them, I immediately paid off the loan in full plus a significant fee they included. 

I had every intention of paying this loan - I have been consistently *overpaying* all of my other student loans since I graduated, and would have done the same for the Stafford loan had anyone reached me. My college was transitioning financial aid directors and I wasn't issued an exit interview for my loans until a full year after I graduated, by which point this scenario had already transpired.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP (WI)

This has been going on since late XX/XX/2021. In a nutshell, the issue is US Bank is allowing a merchant to charge for twice the amount the merchant told me was going to be. On several occasions, including a recent XX/XX/2021, letter by US Bank, I have complained that some of the people looking at my dispute with US Bank do not understand the issue. 

The issue has always been the merchant charging twice the amount it told me it would charge. I have never said that I am not going to pay what I was quoted, but yet again ( per the XX/XX/2021, letter ) US Bank that it can't assist me because I received the services represented in the transaction. 

THAT IS NOT THE ISSUE. The issue is being charged twice the amount I was quoted. 

[ I have other documents but exceed the XXXX MB limit. ]
Consumer complaint received 2022-05-01
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)

there was an entry put on my credit in XX/XX/XXXX for Synchrony Bank/Care Credit . Where did this come from. I immediately contacted Synchrony bank at the number provided on the credit. When I called and thy searched their records and there is not account with my nae and social security number. I even called a second number at Synchrony bank and thy verified that I DID NOT HAVE AN ACCOUNT. I contacted all three credit bureaus and submitted disputes on XX/XX/XXXX I just received the outcome of the 3 investigations and that's why I am filing this complaint. I received notice that the info is accurate but that the credit report was changed? XXXX deleted the tradeline and XXXX XXXX and XXXX verified the account and it remains on my credit. this report hit my credit for the first time on XX/XX/XXXX for the time period XXXX to XXXX. Never received a bill, no contact, no contract. 
This fiasco has caused my credit to lose over XXXX points and they know it. 
PLEASE INVESTIGATE THIS TRAVESTY IF ITS HAPPENING TO ME ITS HAPPENING TO OTHER VETERANS AND FLORIDIANS.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-21
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2021-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I am fining a complaint against resurgent capital due to trying to collect on a loan that was token out due to identity theft. I filed an identity theft report and faxed it to them and they still have not resolved matter
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

On XX/XX/XXXX I submitted a funds transfer between my linked accounts. I received a notification that the transfer had been initiated. On XX/XX/XXXX I received a notification that the transfer had been cancelled due to security issues and my account was locked. A payment to a vendor was returned on XX/XX/XXXX. The function which allows you to send money to friends hasn't worked in over a month. 

I was asked to provide a front and back copy of my ID and a pictures of my holding my ID which I did. Then I was asked to submit this again but this time include a piece of paper with the date written on it holding my ID which I did. Then I was asked to provide a copy of my bank statement and a letter from the bank explaining the reason for the transfer. I provided 2 bank statements with a message that there are transfer transactions on the statements between these linked account and this activity is normal and not fraud or suspicious. At this filing my account is still locked. I sent over 30 messages and made at least 10 phone calls letting them know that the locked account is the only account that I have money and that I am running out of food to eat and have bills that need to be paid. My account continues to be locked for no valid reason under the guise of " security concerns '' It is now 5 days and counting and I have only rice to eat for 2 days now, which I will finish today. 

I believe this is a scam that allows the bank to hold onto funds for a designated period of time to earn interest. I believe an investigation would uncover that this bank routinely locks funds on accounts as there are numerous complaints of them doing this. Normal procedure is for a bank to send a fraud alert where the customer confirms or denies they did the transaction before locking the account. Banks do this for transactions that are outside of the customers normal transaction pattern. In this instance, I am not doing anything any differently and these transaction are a part of my normal activity. Even if an account is locked, it is immediately unlocked once the customer contacts the bank. This is why I believe this is a scam in the same league of that perpetrated by XXXX XXXX with phony accounts.
Consumer complaint received 2023-12-19
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)

Hello, my name is XXXX XXXX and I am a victim of ID Theft. The following accounts were fraudulently opened in my name and are still being verified : XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-04-06
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: Westlake Services, LLC (LA)

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Westlake Service XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DBA XXXX XXXX, XXXX XXXX bank, XXXX XXXX all inquiry I have no knowledge of can you please remove this from my credit report
Consumer complaint received 2021-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by 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 your reporting services could fax, mail, or email in a fradulent 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 ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below. 
I Demand the following accounts be verified or removed immediately. 
1. INQUIRY : XXXX XXXX XXXX ( INQUIRY XXXX ) 2. INQUIRY : XXXX XXXX  ( INQUIRY XXXX ) 3. INQUIRY : XXXX XXXX ( INQUIRY XXXX ) 4. ( Account name XXXX XXXX XXXX XX/XX/XXXX Account number XXXX Account type Debt Buyer ) 5.XXXX XXXX XXXXAccount XXXX XX/XX/XXXX Updated. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
6.Report Number XXXX Date Generated XX/XX/XXXX >Please remove all non-account holding inquiries over 30 days old. 
<Please add a Promotional Suppression to my credit file. 
<Please remove all accounts that are no XXXX XXXX COMPLAINCE. 
PLEASE NOTE THAT YOU HAVE 30 DAYS TO COMPLETE THIS INVESTIGATION, AS PER THE Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). be advised that the description of the procedure used to determine the ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEARBY REQUESTED AS WELL, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, INCLUDING YOUR METHOD OF VERIFICATION. I DO NOT CONSENT TO E-OSCAR AR ANY MEANS OF AUTOMATED VERIFICATION.

Failure to respond satisfaction within 30 days of receipt of this certified letter may result in small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of Fair Credit Reporting Act 4. ) Financial injury
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: REGIONS FINANCIAL CORPORATION (AL)

My wife and I did not receive our EIP card with our stimulus money. After several months I checked with Regions Bank to see if they could help. According to Regions, our EIP card with our {$2400.00} stimulus was redeemed at their branch on XX/XX/2020. Neither my wife nor I have ever seen the card, and I think it was stolen from the mail and redeemed. Regions claims they no longer have video of the drive through on that day. I have been working back and forth with Regions and the IRS since 2020 and I'm still without a resolution. 

Regions tells me that I need to contact the IRS and the IRS tells me I need to contact my bank and the card issuer. I have contacted the card issuer, who I believe is XXXX XXXX XXXX and they tell me to contact my bank. My wife and I are retired and very much need this stimulus money.