davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

During the months of XXXX, XXXX, and XXXX of XXXX  I requested XXXX to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by XXXX. 

XXXX continues to furnish inaccurate information to Equifax, XXXX and XXXX 

In XX/XX/2020, I called XXXX and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all XXXX does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

XXXX claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with XXXX or the bureaus. 

At this point someone is lying and furnishing inaccurate information.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I called citi bank in XXXX of 2018. I was told if I made a payment on the phone the amount would be automatically deducted from my debit card and applied to my balance. That didnt happen and I was forced to make the payment through the app as well. I needed to free up a certain balance on the card to make a payment. Turns out both transactions went through and it would have brought my debit card to below XXXX so one of them was declined. They came back and closed my account after I had spent over {$20000.00} in less than 12 months, never missed or had a late payment.
Consumer complaint received 2021-02-20
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. (FL)

I paid off a {$6300.00} balance with my XXXX XXXX Visa on XX/XX/XXXX. Payment and correct status are shown on all statements since, and XXXX XXXX XXXX XXXX will verify the correct balance if telephoned or accessed via bank website. However, XXXX XXXX XXXX XXXX continues to report to Trans Union the {$6300.00} balance as current. I have filed five ( 5 ) disputes with Trans Union on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX to correct this error. Each time I received an email reply stating, The disputed item has been verified, Balance is {$6300.00}. The Bank contended on XX/XX/XXXX, that they will continue to report the balance to Trans Union as unpaid as long as I continue to dispute the error. All other credit bureaus are reporting correctly. Ive never heard of such a thing as this ; the intransigence of both parties defies logic.
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NY)

I'm trying to deposit money into my account from an account at another bank. They took a small amount of my money and now they won't let me use their service or give me my money back. This is the response I received. 

" Sorry to hear that it didn't worked. Apologies for the troubles. I know how agitating it is for you. 
This kind of issue is because of security reason. We review every transaction to ensure the protection of our customers, and the integrity of our service. 
Occasionally, we determine that a transaction can not be completed. 
In the meantime, what I can suggest is to keep on trying those basic trouble shooting until it works. 
You are welcome to try adding cash again. If it does not work, you may need to send this payment outside Cash App if necessary. 
We hope for your understanding. No worries, our Account Services Team is constantly working on this matter and to be able to provide a good service ''
Consumer complaint received 2019-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc. (TX)

Not only was I unaware a Square account was in exsistence for me that was in collections I am also not connected with a company that is the owner of this debt. I was told the debt is 4 years old. I am just hearing if it and Square is wanting to prove my high school reunion is seperate. They wont allow me to speak to someone to sort this out. I was asked my social security number and told I must pay $ 2100+!? 

No rights, no letter and no proof they have me on some business document. Is this legal? They are going to take {$2000.00} from my reunion. I dont even know who or what the debt is. 

XX/XX/19 I get an emai that says they are debitung my bank account for over {$2000.00}. I call and speak to someone who cant see why. They email me that the matter is closed I need to pay or prove the accounts are not related. I got this email today. 
Hi XXXX, Weve confirmed that the account XXXX.XXXX associated with " XXXX '' is connected to XXXX. Article 15 of Squares Payment Terms allows Square to offset any funds you owe us with the balance of any other Square account connected to your business. Weve exercised our right to offset your dispute-related debits from the available funds in the connected account. 

This investigation is closed and the decision is final. If you would like us to reopen this investigation, please provide us with government-issued formation documentation that certifies the businesses associated with your two Square accounts as separate entities. 

As a result of the offset, a debit was initiated to your linked bank account in the amount of {$2200.00} on XX/XX/19. If your bank account doesnt have enough funds to cover this full amount, any withdrawn funds will be returned to your account per your banks schedule. Alternately, please respond to this email with a dollar amount that we can schedule to debit from your bank account to cover this negative balance on a weekly or monthly basis. 

Were not able to provide phone support for offset-related questions, but Im available to discuss this matter directly with you over email. Looking forward to hearing from you and helping you get your account back on track. 


Best, XXXX XXXX XXXX ref : XXXX : ref
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Subject : Request for Removal of Incorrect Information on Credit Report Dear Experian Support Team, I am writing to formally request the removal of incorrect information on my credit report concerning the following account : **Account Name : ** XXXX XXXX XXXX Number XXXX ** XXXX **Address : ** XXXX XXXX XXXX, XXXX XXXX, SD XXXX **Phone Number XXXX XXXX ( XXXX ) XXXX The provided contact number, ( XXXX ) XXXX, is not in service, making it impossible for me to reach the company. Given this, I respectfully request that the inaccurate entry be removed from my credit report. 

I appreciate your prompt attention to this matter and am happy to provide any additional information if needed. Please do not hesitate to reach out.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax is purposely keeping my credit score low by reporting my XXXX XXXX auto loan that is paid off as past due. The account has been paid off sincXXXX XXXX XXXX XXXX and they repeatedly keepmarkinngit as not more than two payments past due when its reporting a XXXX balance. The vehicle was a total loss and completely paid off by my insurance company.
Consumer complaint received 2019-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SD)

Hi, I paid someone {$300.00} dollars for an agent fee for dropping off a dog to me, so I can dog sit that dog. That dog never came. I sent them money through the CashApp on his account, XXXX. I tried disputing on Monday, XX/XX/2019, the transaction with my bank, but they said they can't do that since I gave the money to the scammer. I even tried to ask the money back from the scammer, but they declined. I feel it would be best if they would. They scammed me out of my money, and they even sent me a fake check. I didn't even know it was a fake check until I looked at it more. This transaction was completed on Friday, XX/XX/2019. I even paid them through XXXX, but they said they would take care of it.
Consumer complaint received 2019-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

- {$380.00} payment from XXXX XXXX was received on XX/XX/2019 and cashed out to my account which should have happened on Tuesday, XX/XX/XXXX. I contacted my bank and they said they did not receive any payment from the cash app. 
- my cashtag is XXXX XXXX and my phone is XXXX - Senders cashtag is XXXX XXXX and her email is XXXX -I am the recipient and my email is XXXX and my phone number is XXXX - Transaction : {$380.00} on XX/XX/XXXX at  XXXX cashed out to Bank Account XXXX - Date : XX/XX/XXXX payment was received, XX/XX/XXXX payment was cashed out to bank account -The money never got to my bank -Cashapp provided an ACH number that my bank couldn't trace and was fake. The cashapp stole my money and blamed my bank.
Consumer complaint received 2021-02-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I have been a member of Navy Federal Credit Union for over a decade. I have had checking, savings, CDs, vehicle loans, and in XXXX we took out a mortgage with them. In XXXX I applied to refinance our VA Home Loan in XXXX. I submitted all the paperwork which had no " select what product you are applying for '' and it got routed to be refinanced as a non-VA loan, which wouldn't have saved me anything. I found this out when talking to the processor, who then told me I had to re-apply. I did in mid XX/XX/XXXX and since that point, I have not spoken with a single person who is working on my loan. I was assigned a processor shortly after submitting, but she has not responded to multiple phone calls, voicemails, & emails. I did speak with an individual at the XXXX number, but since that person was not working on my loan, they said they would send a message to my processor, and that person would be in contact with me within XXXX business days. Never heard a thing. I received a call from a customer service rep on XX/XX/XXXX asking how it was going, I expressed my frustration and explained the situation. They asked if I wanted to escalate my issue, I said yes. I finally got a phone call from a loan officer the next day. Only problem was, they called my cell while I was at work ( not available to me ), I got a voicemail so I called back and left a voicemail with my work number, and called back the next few days trying to reach her again. Never got another response. Now Mid-XXXX I became frustrated with still no information or a single attempt to speak with me about my application, I took to NFCU 's " secure messaging '' feature of their app. I left a message on XX/XX/XXXX, explaining the lack of information and desire from my side to speak with someone. The app has a notification that you message was sent, please allow the team members 2 business days to respond. I waited, and of course nothing other than a canned message on the XXXX " Thank you for your eMessage, your correspondence has been forwarded to appropriate parties to provide a response. Thank you for being a values Navy Federal member, have a great day ''. On XX/XX/XXXX, I sent another message via the messenger. At this point I will be making my 5th mortgage payment at my old rate, costing me hundreds more in interest. NFCU has a financial gain in neglecting the processing of my application, and is in my opinion using unethical banking practices to pocket a few extra bucks, or at the very least has incompetent individuals working in their mortgage department.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

Approximately 8 months ago, I requested that all credit bureaus did not sell or release my credit information to credit companies in order for them to solicit my business. 
this complain has 3 parts 1 ) I am still receiving such solicited letters on the mail 2 ) my credit score went considerably down from the XXXX to XXXX after my request was done with the 3 credit agencies, this is troublesome to me, it seems if the credit agencies can not make money out of your credit report, they lower your scores, if this agency takes a look at my credit report history, it will see what I am taking about, credit companies should not be able to do what they please with the credit of citizens, I feel this is an unfair practice, credit reporting agencies have to be fair on reporting everyone 's credit. 

3 ) since I requested for my credit information not to be sold, even though I pay my credit card balances in full every month, instead of the credit agencies reporting a XXXX carrying balance, they are reporting new transactions not paid prior to due date as a non paid balance from the previous month, this is causing damage to my finances.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reported to XXXX  that my identity is being used to submit inquires for credit lines, loans and unsecured credit lines, this is continuously happening and affecting my credit. I have filed an official report with the Federal Trade Commission 's fraud department my claim number is XXXX. I would like all the 70+ inquires in the past two years to be removed from my credit report.
Consumer complaint received 2021-02-19
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. (PA)

Hello, thank you for looking a my complaint. XXXX and TransUnion done had over 60days to respond to my UNAUTHORIZED hard inquiries on my profile. Ive send them two certified mail letters twice with no response. I just want them to remove the XXXX XXXX inquiry off my profile
Consumer complaint received 2021-02-19
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: DISCOVER BANK (CA)

The accounts I am disputing are in my credit report they do not belong to me I have disputed these many times with the bureaus as well as the furnishers I have opened an FTC for these accounts and have a notarized affidavit for these accounts that are not mine and yet no one is sending me anything back or removing these from my credit. Why do I have to pay for someone elses doing. These accounts are causing me great grief and no one is helping with Identity theft. My next step is to file a police report and have all these companies and accounts investigated. 

XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX DISCOVER FIN SVCS XXXX - Acct # XXXX Amt {$19000.00} Opened XX/XX/XXXX XXXX XXXX -Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX DISCOVER BANK- Acct # XXXX Amt {$5500.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5500.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$6200.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2021-02-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 I sent a letter regarding the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the Equifax data breach and I'm almost sure that's where these erroneous accounts were accumulated.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$510.00} XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX {$6700.00}
Consumer complaint received 2021-02-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

2nd Mortgage Servicer Planet Home Lending Acc # XXXX allowed 'other ' to access and manipulate my 2nd Loan. When I became aware, I called them ( @ 5 times, last call was 2.5 hrs ) and emailed them ( 3 times, last email stating a complaint seems to be only solution ). What Planet Home Lending & 'other ' did is unknown due to Servicer wont respond and when talking to their Reps, Im just put on hold, transferred or told they do not have that info on their screens. 
Limited time is a huge factor due to needing verification if my loan was paid in full, no longer responsible, transferred, future billings, etc., per buyers statement. Planet Home Lending, 3rd call, stated they dont have to relay any info to me ( name on account ) regarding anything and monthly statement is all that is needed. 
Section for involved person must be checked how and for this, no option provided. Person involved is the Buyer who stated that he finally paid the 2nd off. Buyers statement affected a Court Trial due to Servicer refused to confirm/deny the buyers statement to the Seller, Name Holder on 2nd Mortgage. Is this allowable or Servicer at fault?
Consumer complaint received 2021-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (KY)

In XXXX of XXXX I noticed my credit report showed a new collection from a company called Merchant Credit Gui. in the amount of {$220.00} to a medical account with no information provided. 

I immediately contacted the collection agency that was named in collection account, on my credit report, via the address provided. I sent them my initial letter in XXXX of XXXX initiating my DISPUTE. Thirty days after I initiated my DISPUTE with this company requesting a FULL INVESTIGATION, they never responded. Furthermore, I did advise them that they were in violation for first of all not annotating on my credit file, that this account was in DISPUTE, which they never did, and they didn't respond to my letter as well. 

On XX/XX/XXXX I reached out to them yet again, via Certified Mail SN # XXXX XXXX XXXX XXXX XXXX, which in fact was my SECOND letter to their office regarding this inaccurate entry on my report. I requested that they again, either investigate these charges for validity and provide me with this information, or delete this entry from my credit file, which still wasn't marked as being in DISPUTE and they haven't responded. 

As of XX/XX/XXXX, I wrote them yet again, via Certified Mail SN # XXXX XXXX XXXX XXXX XXXX, asking them to please do the right thing and remove this account that is being reporting in violation of the law and its inaccurate in its entirety. I also provided the SN # XXXX XXXX XXXX XXXX XXXX and the time stamp it was received which was XX/XX/XXXX @ XXXX, and all this still with no response, yet they continue to report this account. 

This is causing a major problem for me personally, and has hindered my family from acquiring the financial products that we need to purchase our first home. I have given them more than enough time to validate the information, and if nothing else to at least mark this as DISPUTED which they have not. I need this information REMOVED/DELETED off my credit reports immediately. There is no validity to this alleged account and they can not validate themselves. 

In closing, I am requesting that you have them remove these inaccurate entires on my credit reports without prejudice.