davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

On XX/XX/XXXX at XXXX, I sold a XXXX XXXX XXXX. He sent me a payment of {$1100.00} via the app CashApp. The transfer showed successful. After I walked back into my home and opened my phone to transfer the funds to my bank account, CashApp decided to cancel the transaction. Leaving the buyer with my money and laptop, which he happily decided to keep and run away with. I've confirmed with Cashapp that they're the ones who cancelled it. Their reason was to protect me, which they did the exact opposite of. I reached out to them and they recommend me solving this issue " outside of Cashapp ''. I filed a police report and am still fighting with cashapp.
Consumer complaint received 2021-02-25
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello. 

On numerous occasions I requested Transunion to properly and fully validate the following accounts. They said they validated it as correct but I have proof that it is NOT. They are reporting INCORRECT and UNFACTUAL information on my report. By law, they have to report FULL and FACTUAL information.

I never gave them consent to report the following accounts. The other 2 bureaus are NOT reporting these accounts making this a lawful reason to remove. 

I am asking you to have Transunion to remove these accounts for the final time. I have been attempting to correct discrepancies on my report to no avail. If these accounts are not removed once and for all I will seek legal recourse.

I know my rights by law, and transunion is NOT obiding by them.

The following accounts I want removed from my Credit Report : XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX
Consumer complaint received 2021-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Victoria Secret XXXX Hundreds of letters have been sent to these creditors. Over 15 letters sent thru CFPB. Now all 3 credit bureaus have requested the XXXX  Security Breach paperwork and a recent police report, see attached. All are NOT MY DEBT! Weve asked dozens of times for an application with my signature. Weve asked where were they opened ... .online is all Im told. Thats it. All they say is its verified cause we know my name address d.o.b. and social. But refuse to send or give us any further info. Please remove from my credit as these debts are stopping me from moving forward, and this debt has never ever been mine. Im sending letters now 3 yrs. I was involved with the XXXX  security Breach.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NJ)

I tried opening an account in Chase Bank around XXXX last year. They denied and returned my deposit back. I was not given any proper reason as to why they denied my account. It was the beginning of the COVID pandemic and I did not bother investigate further so I want I another bank and opend an account without any problem. 

Now we started a new business and yesterday I went to Chase bank in XXXX with my business partner to open a business account since he has multiple account with XXXX. 
They said they will not be able to open an account with me as a signer in the account. They did open the business account but I will not be able to operate the account or be able to write checks or sign checks. When I asked for a reason why I was denied, they did not give one. 
At least I should know what is the basis for my denial. Please let me know what are my legal rights so I can take further action. 

Thanks XXXX XXXX
Consumer complaint received 2021-02-24
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2021-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

Hi, I was supposed to be a co-signer for my brothers car and I spoke with the lenders and the dealership to make sure that I was indeed the co-signer only and they assured me yes. So I started receiving bills showing that I was the owner and today I spoke with the representative and she stated to me because my credit was better they flipped it without my consent nor knowledge. This is a crime.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-24
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. (FL)

Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (NY)

A year ago, my husband and I purchased our dream home and finance our mortgage with UWM. Our experience through the financing process was seamless. We were very happy with the services we were provided. We were so happy that we referred other friends and families to finance their homes with your institution. Soon after COVID hit and like many families, we were financially affected. Our baby had just arrived and I had to go on an extended leave without pay to care for our daughter. As a result, we opted to refinance our mortgage to help make ends meet. Unfortunately, we were not able to refinance with UWM being that the cost and rate was not as competitive as other financial institutions to meet our financial needs. We began the refinancing process in XX/XX/2020. By XX/XX/2020, the request was submitted to UWM. When we began the refinancing process it was explained to us that a CEMA would be needed. We patiently waited but unfortunately to date, we have not been able to close on the refinancing. Our refinancing bank has exhausted all measures in attempting to obtain all the documentation needed from the custodian that is holding the collateral files. The attorney representing XXXX XXXX has been trying to obtain the collateral files from the custodian since XXXX and has followed up countless times with no result. I contacted XXXX XXXX ( attorney representing UWM ) on two occasions and all I have been told is that the custodian stated they will expedite the request but three months later we are still waiting. I attempted to obtain the name of the custodian for our mortgage and Mrs. XXXX said that information can not be disclosed to me. As a customer, who has been paying for a mortgage for the past year, I do not understand why this information can not be disclosed. Today, we were informed that out rate lock can no longer be held. As customers, we have made it our priority to make sure we continue to pay or mortgage timely. We have done the impossible to try to stay on top of our payments while we are able to refinance. We are highly disappointed that a financial institution rated so highly and who we recommended to our friends and family has let us down in a time of need. I have called UWM countless times in the past month and have not been offered no valid explanation as to why this process has taken as long as it has. As a result of the lack of diligence, we will no longer be able to keep our rate lock without having to pay a weekly fee. My husband and I are in hopes that UWM can provide us with answers as to why the custodian is holding our collateral documents and is not releasing them. We are in dire need.
Consumer complaint received 2021-02-24
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. (FL)

Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family
Consumer complaint received 2021-02-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (FL)

IN 2010 " PAYDAY LOANS '' IN THE STATE OF ARIZONA WERE DEEMED ILLEGAL. " SPEEDY CASH '' ( A PAYDAY LOAN COMPANY ) OPENED AND CREATED '' ILLEGAL CONTRACT '' UNDER THE STATE LAWS. 

SPEEDY CASH THEN " SOLD '' ILLEGAL CONTRACT TO " AD ASTRA RECOVERY '' TO COLLECT PROCEEDS OF ILLEGALLY OPENED CONTRACT. 

AD ASTRA IS NOW ATTEMPTING TO COLLECT FUNDS FROM THE " ILLEGALLY ESTABLISHED CONTRACT ''. 

" SPEEDY CASH '' OR " AD ASTRA '' ARE NOT ENTITLED TO COLLECT FUNDS FROM ILLEGAL CONTRACT THAT SPEEDY CASH KNOWINGLY ESTABLISHED. 

" AD ASTRA HAS NOW ENTERED THEIR ATTEMPT TO COLLECT " ILLEGAL CONTRACT MONIES '' AND HAVE PLACED A DERRAGATORY MARK ON MY CREDIT REPORT ... THUS AFFECTING MY CREDIT SCORE NEGATIVELY AND IS PRESENTING AN OBSTACLE IN MY ATTEMPT TO REPAIR/CLEAN/ESTABLISH MY CREDIT SO-AS TO BE ABLE TO GET A MORTGAGE APPROVED IN MY NAME AND BUY A HOME FOR MY WIFE AND I. 

I HAVE DISPUTED ITEM WITH CREDIT BUREAU 'S, AND AD-ASTRA HAS UTILIZED TACTICS SO AS TO KEEP DISPUTED TRANSACTION ON MY CREDIT FILE ... .LIKE " REMOVING FILE FROM CTEDIT REPORT ... RAISING AND LOWERING DEBT AMOUNT BY {$1.00} ... THEN RESUBMITTING DEBT AS A " CHANGE IN BALANCE '' ON EXISTING FILE. 

THE COLLECTION AMOUNT THEN SHOWS UP BACK ON MY CREDIT REPORT, WHICH I AM THEN TOLD I HAVE TO " RESUBMIT DISPUTE '' BASICALLY STARTING ME BACK AT SQUARE ONE AND DISPUTE NOT RESOLVED. 

DIRTY TACTICS CREDIT BUREAUS ALLOW THEM TO GET AWAY WITH AT CONSUMERS EXPENSES. 

I WANT COMPLAINT FILED ... AND THIS REMOVED FROM ALL CREDIT BUREAUS AS IN THE STATE OF ARIZONA ... THIS TYPE OF TRANSACTION IS DEEMED " PREDATORY AND ILLEGAL '' AD-ASTRA IS THE DEBT COLLECTOR RESPONSIBLE FOR CREDIT REPORT FILING AND THEY NEED TO ADDRESS AND FIX THIS ATTEMPT TO COLLECT AN ILLEGAL DEBT ON AN ILLEGAL CONTRACT. 

https : XXXX
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PMT Solutions, LLC. (WA)

XX/XX/2021 XX/XX/2021 XX/XX/2021 i called them was put on hold, then disconnected. I called again and this time it was a auto answer with no way to contact a real person. It only asked for an extension number be entered, and i was disconnected. 
XX/XX/2021 i called their number and again i got a auto answer machine asking for extension number, and im disconnected. 
XX/XX/2021 i received a call from a Unknown number, went straight to voice mail. This time its a XXXX XXXX XXXX from the state of Oregon. This is all feeling very shady
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

well when i tried to open up a claim for the fraudulant activities on y account there is no number to where you can tak to a live representive. there is only email communications which makes it very fustrating cause for one every corresponding email from them ends up being a new person and i just got the run around asking for the same information in every single email i literally end up with over a hundred emails back and forth with this company and in the end the gave me a partial credit but it was to the account that i dont have access to and that they refused to give me access to even though they agreed to a partial credit to that account tney claimed that they could not give me access to that account for security reasons so i am still going back and forth with this company about why they gave me a credit but to the account they know i dont have access to it makes no sense at all and this has been going on for over a mouth now its almost been two months now i have all the emails that i can included but it has account numbers and everything in them nut if i need to include them i can i just feel if i could speak to a live agents this whole process coud of gone a lot quicker and smoother and honestly my problem still isnt solved
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NM)

I am a victim of identity theft. 
In early XXXX, 2020 I learned that my personal information was fraudulently used in attempting to open bank and credit accounts, without my knowledge and permission. 
One of these banks, after acknowledging the problem, provided me with a complementary, 3-agency extended fraud alert. 
Since then, I have been successful in creating online accounts with XXXX and XXXX, so that I am able to monitor activities and look for illegal attempts by identity thieves. 
In contrast, when I try to do the same with Experian, the system fails to correctly authenticate my identity : almost all authentication questions do not apply to me. Upon failing, they provide a phone number ( XXXX ) to contact. As soon as I call, the automated voice asks for my Social Security Number, which I provide obediently. The voice then says I did not get that. And the same cycle repeats. There is no option/route to reach a human being to resolve the problem. I have tried this approach dozens of times since XXXX, with no success. 
I request that Experian correctly authenticate my identity, so that I can access my online account.
Consumer complaint received 2021-02-25
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: TD BANK US HOLDING COMPANY (MI)

I am writing to dispute a billing error for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$3600.00} ) on my TD account. I practice good faith and ethics when dealing with both TD Bank and XXXX XXXX as a consumer. I responded immediately to XXXX XXXX employees for their false reporting of incorrect numbers owed by me. I physically made several visits to the store and had intense phone conversations with the XXXX XXXX Employees. The service desk personnel and the Store Manager assured me that the corrections would be corrected. I disputed with TD Bank as soon as I saw the charges. TD Bank said the investigation would take 90 days. TD Bank sided with XXXX  XXXX. XXXX XXXX submitted false paperwork with a pasted signature. I purchase two pieces of furniture for a total of XXXX. XXXX submitted a second chair, which I never purchase forXXXX. This is fake, a fraud to extort monies not owed by me. XXXX XXXX was in business for 6 months and now declared bankruptcy. They has decided to to resolve the issue. There should be original paperwork that proves I only purchase one chair and one loveseat.TD just made the decision without showing me their findings. If they had I would told them the paperwork was faked.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (NJ)

Comenity bank has received my balance transfer for {$2200.00} from XXXXXXXX XXXX. Comenity claims it was never received. However, XXXX XXXX  has performed a trace and clearly says it was received by Comenity bank on XX/XX/2020. I am not delinquent on any payments and this is the first time this has happened. I have sent larger payments in the past and had no issues. It has been over 2 months and have been sending secured emails to the company with the attachment. Nothing has happened and only receive generic responses.
Consumer complaint received 2021-02-25
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/2020, I submitted a payment of XXXX as a direct deposit payment and a payment confirmation of that date and payment I submitted was confirmed and I printed a copy of the record, on XX/XX/XXXX I called 53rd bank to ask why I was reported late on my credit report, representative from the bank said no payment was received from me, after sharing my confirmation number and reason why that occurred was on a technical level issue on behalf of the bank, representative agreed to reverse the late payment fee adjustment as it appears on record and along my confirmation that I printed at the time, knowing that my XXXX  shut down due to coronavirus in mid to late XXXX reason for my late response to the technical error on the 53 bank website. The representative said reversing the late fee will automatically remove my negative reporting to the account and this has not been completed and it has neglected my ability personally while a victim of business interruption of the pandemic and a victim of XXXX XXXX illness shortly after. Also monthly payment are electronically shown paid and that the count of payments made versus if any missed doesnt add up to a completely 30 days of no such payment and my records are available to provide clearly.
Consumer complaint received 2021-02-25
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. (PA)

Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$2400.00} {$2400.00} This is not my account. Please remove
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I made a deposit a year ago XX/XX/XXXX. They waited a year XX/XX/XXXX to take the {$600.00} I deposited a year ago out that I deposited. I have the deposit slip bank XXXX. XXXX XXXX. Transaction XXXX XXXXXXXX XXXX. Submitted for deposit. XXXX XXXXXXXX XXXX XXXX location in XXXX XXXX MI XXXX # XXXX. Citizens Bank. # XXXX XXXX XXXX citizens bank.com/online-banking No phone call or letter in mail or text or e mail. They said teller was over on her drawer on XX/XX/XXXX and just deducted the {$600.00} from my checking account # XXXX. Citizen bank XXXX. Please investigate this matter. I feel they had no justification to take out {$600.00} from my account with no evidence just based on the tellers mistake. And this is one year later. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX