davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
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. (OH)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I disputed the fraudulent account XXXX XXXX put on my report with XXXX  and they are obligated to investigate and contact the creditor. They gave me a result of this meets FCRA etc this is not my account. I have never used this company before and I believe my social security has been stolen, or the company made a mistake. This needs to be fixed immediately. XXXX had already removed this from my credit report. I dont think XXXX  even investigated this dispute. What address was used for the electric service? I can guarantee I never lived there.
Consumer complaint received 2020-11-02
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. (MO)

The following accounts do not belong to me, therefore I'm asking for the removal of these accounts. 

1. US Dept ED 2. Dept ED XXXX 3. US Dept ED 4. Dept ED
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current (IL)

XXXX I went to a a atm it gave me a error and XXXX  could not dispense money but the transaction is posted to my account as Id I did. Get the money I disputed but I want my money back in my account now. I know current doesnt like to follow the laws
Consumer complaint received 2019-12-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

******* ( NEW INFORMATION FORMER COMPLAINT # XXXX ) ********** We received a call from our attorney yesterday XX/XX/2019 informing us that the bank have closed the XXXX  ( Short Sale ), she said the bank claimed that they did not received any do documents after XX/XX/2019. We retained the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ). The law firm worked diligently with us to put together all the requested documents. which they submitted to the bank thru the XXXX  website, all this was submission was done to the bank in the month of XXXX. They claim that the bank is saying is false it is the same tactics that they use when the court order mediation. After we submitted all the paper work they claim to the court that they never received paper work. The true is that the bank have compounded interest on top of the original loan of {$410000.00}. The bank claim that the loan amount is now {$980000.00}. Prudent mind can see that the goal is the bank is to foreclose on the loan, so that they can write off {>= $1,000,000} as a business loss. We do not want to lose our house, so we did an appraisal and the fair market price came out to {$220000.00}. Our goal is that the bank give us a modification on the fair market price. We also have a offer on the house of {$180000.00} which we are trying to do a short sale. We appeal to your office to please consider this case on it merit. This loan is a predatory loan non comforming loan.
Consumer complaint received 2020-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

On XX/XX/2020 I had tried to use my cash app account for the first time in months after trying to track down my unemployment it had XXXX XXXX deposited onto my account since XX/XX/XXXX from my unemployment back pay i waited almost 1 year and 2 appeals later once I logged into my account I never had a chance to use the system said my account was block out of nowhere and then it said I had to reset my pin the option wasnt giving to me reset my pin almost as if cash app had something to do with it i contacted customer service to fix my pin which is odd because u can reset it from the website so i XXXX cash support and was told i had to merge my accounts to move all of my money off because I can actually afford a real bank account now having suffering from XXXX XXXX and XXXX  for months it's hard to keep up with everything the person said to log out and once I did I instantly i got blocked and the company took so long to respond that all my money dissappeared and then my account got closed and they wont help they keep asking me for the same information over and over again I never got a chance to use not XXXX buck on my account I emailed cash support until my phone wouldn't allow me and they responded The XXXX of XXXX my whole account was XXXX and closed so now they reopened it but wont give me a refund or tell me what happen to my XXXX XXXX it's really frustrating this is not ok I'm so XXXX  that's all i have to live off the snow is coming now and I can't manage to keep warm I emailed the ftc  and XXXX  but a few news teams and it seem like no one will help me please help me time is moving and cash app is not doing anything I email them almost everyday and the scammers linked a bank to my account from XXXX XXXX XXXX to my account and I told them over and over that it isnt mine and I told cash app that it isnt my account and still nothing is being done please help I feel like just as good as dead I'm being ignored how do XXXX XXXX just get stolen and cash app just wont help respond or try to help
Consumer complaint received 2019-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened an account with Capital One. Put down my payment received my card and used it as needed. Sent in my payment and the company returned the payment to my bank. This has happened time and time again. I have called and was told my payments were never received. However I have proof the payments were received. My account was fully paid in time.
Consumer complaint received 2019-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital one charged off an account that had a fraudulent debt that was then charged with interest. I want the debt cleared out of my name. They have never requested the police reports attached to the issues. I can send all the police reports but I need the debt removed from my name and the account listed as closed with no balance. Thats the proper way to follow the law.
Consumer complaint received 2019-12-09
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. (TN)

The credit reporting agencies such as ( trans union, XXXX, XXXX, XXXX XXXX, XXXX XXXX etc ) are reporting accounts, dept, and public records on my personal credit reports that do not belong to me.
Consumer complaint received 2019-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I discovered several unauthorized transactions on my account on XX/XX/XXXX. The bad transactions started approx.XX/XX/XXXX. The card was in my possession, and I used my debit card everyday during the time of the fraudulent transactions to buy my morning coffee, lunch, and other small daily expenses never exceeding {$20.00}. when I checked my balance on XX/XX/XXXX. I  saw several fraudulent transactions : {$330.00}, {$320.00},  {$150.00}, {$150.00}, {$28.00}, {$37.00}, {$35.00}, {$100.00}, {$170.00}, {$28.00}, {$160.00}, {$67.00}, {$31.00}, {$18.00}, {$15.00}, {$100.00}, and {$33.00}. All these transactions had taken place with my debit card in my possession, while I was using it on a daily basis. I immediately made a claim, the rep explained how my card info was compromised and deactivated my debit card and sent me a replacement. My account was soon credited for my loss, and I continued using my account. A few weeks later 2 of the unauthorized transactions were deducted from my account. ( {$320.00}, {$170.00} ). When I asked why? I was told the bank was not going to honor this portion of my claim. I have made several phone calls to recover my money to no avail. Thus I've been forced to file a Civil Suit against the institution. Index # XXXX XXXX In XXXX County District Court . XXXX, Can you Please help me.
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated (NV)

I am a military spouse who accompanied my XXXX XXXX service member to our new duty station with our XXXX children. I updated my address to our current address and it indicated a fictitious fraud claim on my account. No phone call was made. No letter was sent. No email was sent. However I was blatantly lied to about having all three avenues apparently being taken by the company. Im unable to get ahold of anyone in the fraud department..been trying for over 4 days now. So there is over XXXX just sitting on a card that Im unable to use even though its rightfully mine.
Consumer complaint received 2019-12-10
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: EQUIFAX, INC. (MO)

My Credit Score should be XXXX  at XXXX Exquifax and XXXX. I feel I am by Discriminated against because I am XXXX American.  I feel all three credit Reporting agencies are giving me  low scores to keep me, from getting loans at a decent interest rate. I want an investigation into all three reporting agencies.
Consumer complaint received 2021-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AR)

On XX/XX/XXXX I was searching the web for a set of XXXX XXXX XXXX XXXX for a XXXX XXXX and came across a website called XXXX which had them listed for {$44.00}! I went to purchase the item using PayPal to protect my credit card information. When the information on PayPal to complete the purchase was show the payee 's information was different than the information shown on the website for XXXX. Information shown on website says the owners name is XXXX XXXX but the name shown on the PayPal website is XXXX yet the email address shown for XXXX  is XXXX not the one shown on PayPal also the item is shown on PayPal as XXXX XXXX! The XXXX is shown as the the SKU number for the pickup listed on XXXX  website but on PayPal it didn't show the items as XXXX  XXXX XXXX XXXX  XXXX it showed XXXX  XXXX I did not have any idea what a XXXX  is unless it is a XXXX  knock off. I also noticed that on the XXXX website contact information there is an address shown but the street name is missing a sure sign that it was a scam site. 

Upon seeing the information on the seller shown on PayPal did not match the information on the website I closed the browser to prevent any type of down spyware or malware being downloaded to my computer. At no time did I click on anything to complete the transaction because I believe it to be a scam website! A little while later I was checking my email and found an email stating that there was a PayPal charge for the purchase. I contacted PayPal and told them I never made the purchase yet a few hours late I get a reply form PayPal stating based on my purchase history I did make the purchase, yet I have received no order conformation to show this purchase was made from anyone or company other than PayPal!! And at no time has PayPal contacted me asking for any more information or anything else just they have concluded I made the charge. I see nothing to show they contacted the business! 

I went to went to appeal this following the directions on PayPal 's website and provide screenshots of the information showing the XXXX website information is different than PayPal and there is no way to appeal it! I did send an email to PayPal concerning this including the screen shots and have heard nothing bac. Also it appears that after PayPal decided that I did make the charge they again charged my account again to the same seller for the same amount!!
Consumer complaint received 2020-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage has put me in a trial payment period for a loan modification. My online account states that I am in a loan modification trial. I have not requested a loan modification by phone or written correspondence. I DO NOT ACCEPT THE TERMS OF THE LOAN MODIFICATION, AND I WILL NOT SIGN THE PAPERWORK, GET IT NOTARIZED, OR RETURN THE PAPERWORK. I AM REQUESTING TO BE REMOVED THE THE LOAN MODIFICATION TRIAL IMMEDIATELY. Wells Fargo has not applied 4 mortgage payments to my account. Despite the fact that I've requested a detailed explanation as to why my payments have not been applied, WFHM has not provided it. I've been told by WFHM that my statements will be adjusted after I return the loan mod paperwork. Because the payments have not been applied to my account, an overdue amount is stated. I believe WFHM is using the loan mod as an excuse to use a questionable accounting system where they apply payments when it suits them. I believe they are using the money from payments elsewhere, instead of applying them to my account.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

On XX/XX/2019 I made a payment in the amount of {$4300.00} online to my credit card USBank, which I paid for with my account at XXXX  XXXX XXXX. 

On XX/XX/2019, USBank deducted the same amount from my account with XXXX  XXXX XXXX. 

XX/XX/2019 I contacted Customer Service and explained that USBank owed me the {$4300.00} that they had deducted from my account. 

On XX/XX/2019 I called Customer Service to inquire about my refund. I was told that a check in the amount of {$3500.00} had been issued. When I asked why the amount was less than that they had taken from me, I was told that current charges showed on my account so they deducted these charges without my consent or permission. My account was and is in good standing, my account was not overdue and I have never been in collections.
Consumer complaint received 2021-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Consumer complaint received 2020-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (OH)

This company continues to report incorrect information to credit bureaus. I have no knowledge of this account on my credit reports. I have disputed this account multiples but I never received the proper verified documents pertaining to this alleged account. I have mailed multiple letters to this company about this account and I have had no response to the letters I've sent. I have not received any information about this account.
Consumer complaint received 2020-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (WY)

XXXX XXXX XXXX sent me to this collection agency. I have sent numerous letters and bankruptcy documents to this company that this account was included in my Chapter XXXX Bankruptcy. If this matter is not resolved within 30 days I will notify the bankruptcy court of Wyoming that I.C Systems is illegally trying to collect a debt that was included in the Chapter XXXX bankruptcy I will also file a law suite in the small claims court of XXXX County against both company 's. If this is not resolved by XX/XX/2020 a court case will be filed
Consumer complaint received 2020-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (DC)

I have had a checking account with Suntrust for decades. A couple of years ago they started charging me a fee if the balance went below a certain threshold on my savings accounts. I went in and talked to the Branch Manager and they apologized, removed the fees, reimbursed the past fees and PROMISED that if I stayed with the bank, this would never happen again on ANY of my accounts. Today I open my account and see that they have begun charging me a $ XXXX  monthly fee on my checking account which I have had open for many years with Suntrust and was actually a customer of two predecessor banks that Suntrust bought. I went online to complain and used the chat function. After waiting for more than 20 minutes Suntrust DELETED THE CHAT and just disappeared. Before you bother to ask, NO I did not receive ANY notice in writing that the bank would be initiating a fee on my account -- let alone a notice 30 days ago. If I sound like I am angry, I am. These big banks should not be allowed to use these deceptive and sneaky and ILLEGAL practices to cheat hard working Americans. Please make them stop.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute a XXXX XXXX XXXX account in my credit profile. I reached out to all three credit reporting bureaus to rectify this matter amicably. XXXX  is the only agency to remove this account from my credit profile. 
As I have mentioned before this account is not mine. I believe XXXX XXXX  is falsely billing me for merchandise I never purchased. I did have an account with XXXX  that was paid in full and closed. Secondly, this account is older than 7 years and showing several different dates ( e.g. open date, delinquency date, etc. ). Experian and XXXX  is refusing to remove this negative information from my credit profile as well as completing a thorough investigation. I have reached out to both XXXX and XXXX XXXX  to resolve this matter and have constantly been met with misinformation. XXXX XXXX XXXX has shown me that they are not willing to resolve this matter. I have tried reaching out to the original creditor, XXXX XXXX XXXX/XXXX XXXX, to no avail. I called XXXX XXXX  to verify last day of delinquency and was blindly transferred to XXXX XXXX. The representative stated that she would reach out to XXXX and then give me the information that I requested.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (IL)

I am writing to dispute a XXXX XXXX XXXX account in my credit profile. I reached out to all three credit reporting bureaus to rectify this matter amicably. XXXX  is the only agency to remove this account from my credit profile. 
As I have mentioned before this account is not mine. I believe Comenity bank is falsely billing me for merchandise I never purchased. I did have an account with Comenity that was paid in full and closed. Secondly, this account is older than 7 years and showing several different dates ( e.g. open date, delinquency date, etc. ). XXXX  and XXXX  is refusing to remove this negative information from my credit profile as well as completing a thorough investigation. I have reached out to both XXXX and Comenity bank to resolve this matter and have constantly been met with misinformation. XXXX XXXX XXXX has shown me that they are not willing to resolve this matter. I have tried reaching out to the original creditor, XXXX XXXX XXXX/Comenity Bank, to no avail. I called Comenity Bank to verify last day of delinquency and was blindly transferred to XXXX XXXX. The representative stated that she would reach out to XXXX and then give me the information that I requested.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have been disputing this item with XXXX, but they still sold the account to a collection company. This account was fraudulently set up. 
XXXX ( XXXX ) XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Consumer complaint received 2019-12-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (NJ)

XXXX XXXX enrolled me in their program when I was going through a divorce and unemployed they gave me a predatory loan and their school was a fraud and not an accredited school which was not disclosed to me or any other students at the time of enrollment.  I had questioned them in the beginning how am I getting a loan and I dont have a job and how will I be able to make payments if you cant figure out my income right now, they told me not to worry about it . XXXX XXXX Online has been sued and been to court several times me and other students are victims of their fraud school and predatory loan practices all of what they have done is illegal . They had promised us students that with our degree and their education we would be able to get jobs which has not come to fruition because their degrees mean nothing they are not accredited . It is not ethical to charge students for a degree and education that is meaningless . I know right now their court cases going on against them as we speak.