davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XX/XX/XXXX, I was a victim of a customer service/fraud scam, which resulted in the loss of {$2000.00} + {$490.00} = a total of {$2500.00}. 

After filing a claim initially with Cash app ; they initially determined that my cash app account was compromised, and they were working to secure my acct ( confirmed XX/XX/XXXX ). Consequently, on XXXX XXXX after linking my new card ; Cash app proceed to process unauthorized payments of {$2000.00} from my XXXX account as soon as my new card was linked. Then, closed my cash app account stating that I had violated the terms and conditions, and insinuated that I was possibly conducting the fraudulent activity which is 100 % false.
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Cash App is encouraging fraud. On XXXX  XXXX I paid XXXX XXXX for weed. The original amount was {$40.00} but due to Cash App fees I ended up having to pay {$41.00}. When it was time to deliver what I had paid for, XXXX XXXX stopped responding to my texts. I then requested a refund of which he declined. When that happened I then filed a complaint with Cash App. The App took me around in circles ( in writing ), refusing me to file a complaint. This is encouraging fraudulent behavior on the App. I would like the refund of the amount paid to XXXX XXXX as I did not receive the goods. Attached is the reference number : ref : XXXX : ref
Consumer complaint received 2017-02-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Louisiana Recovery Services Inc. (LA)

I have contacted Louisiana Recovery Services on many occasions to validate a debt that the company claims i owe to them. There are several accounts that are listed on my credit report that i have no knowledge of. After properly disputing the accounts i received a letter stating that i owe them an amount that is not listed on any of these accounts on my credit report. I was told that i need to validate my own debt and that they would not remove it. The company has not sent me any information as to where these debts come from or proof that they belong to me.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian has re aged the entry on the XXXX ( XXXX XXXX XXXX ) to XX/XX/XXXX. A dispute was filed XX/XX/XXXX and it came back as " verified ''. The furnisher of the account is reporting inconsistent information between the bureaus so how can anything be considered accurate? Another attempt to delete this information has been submitted as of XX/XX/XXXX.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

XXXX an auto pay was set up for equity line with XXXX through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with XXXX for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until XX/XX/XXXX. LENDER FAILED TO NOTIFY US-I XX/XX/2015 we sent them a verification letter that we requested validation of the late payment. They never responded. This is direct violation of the FCRA and the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) At this time I will also inform you that XXXX have reported invalidated information to all of the XXXX major Credit Bureau 's ( XXXX, Experian or XXXX ) this action might constitute fraud under both Federal and State Laws XXXX corrected error but not EXPERIAN OR XXXX
Consumer complaint received 2020-06-24
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. (NV)

I CAME HERE TO FILE A COMPLAINT AGAINST ALL 3 CREDIT BUREAUS ON BEHALF OF MYSELF BECAUSE THEY HAVE BEEN WILLFULLY NON COMPLIANT WITH THE FCRA LAWS IVE ENFORCED UPON THEM. I'VE KINDLY ASKED THEM FOR MONTHS NOW TO SEND ME FULL NECESSARY VERIFICATION FOR EACH ACCOUNT THEY HAVE SHOWING ON MY CREDIT REPORT. UNDER FCRA 809AB LAWS, THEY HAVE NOT FOLLOWED THOSE VERIFICATION GUIDELINES, UNDER 609A LAWS THEY HAVE NOT PROVIDED ANY ORIGINAL DOCUMENTATION WITH THESE CREDITORS THEY'VE LEFT ON MY REPORT, THESE ACCOUNTS ARENT EVEN MINE. THEY HAVE BEEN DAMAGING TO MY REPORT SO IVE ASKED THE BUREAUS TO DO THE APPROPRIATE DUE DILIGENCE WITH VERIFYING OR DELETING. AND THEY CHOSE NEITHER. SO UNDER THIS SURVEILLANCE, I EXPECT THEM TO NOW DO THE RIGHT THING IN DELETING THESE ACCOUNTS I HAVE LISTED ON THE ATTACHED DOCUMENTS.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

We settled a debt. The company gave us a letter to get it off our credit report and considered settled WITH a control number to do so. Experian keeps leaving it on. My credit will go up 23 points with this reported the right way! XXXX XXXX, which is XXXX and XXXX fixed theirs immediately. For some reason Experian will not remove and up my score!
Consumer complaint received 2016-06-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On or about XXXX XXXX, 2016 I received a letter stated that Huntington Bank had not received my mortgage payment on Account No. XXXX. On or about XXXX XXXX, 2016 I visited the XXXX XXXX Branch and met with the Branch Manager XXXX XXXX I presented him copies cancelled checks on both mortgage accounts. He called the account center and after research stated they found record of payment received and could not understand why the late payment letter was generated. 

On of about XXXX XXXX, 2016 received a call from Huntington Representative XXXX XXXX He stated that they had not received my mortgage payment. I explain my meeting with XXXX XXXX. On or about XXXX XXXX, 2016 received a called from Huntington Representative XXXX XXXX, he stated they had not received payment but later changed his allegation and stated they received a payment of {$2000.00} but my mortgage payment amount is {$2300.00}. I emailed a copy of my cancelled check showing Huntington cashed my check on XXXX XXXX, 2016 in the amount of {$2300.00}. My mortgage due date is XXXX XXXX, 2016. 

I have had this account for about 15 years. To the best of my knowledge I have never been late. It appears that Huntington Bank is attempting to jeopardize my excellent credit history so that I will not qualify for a line of credit on another account. 

Copy of cancelled check and mortgage invoice attached.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CO)

I received a XXXX XXXX card from U.S. Bank which I did not order or request from U.S.Bank. I do not, nor ever had any type of account with U.S. Bank and do not do any type of business with any U.S. Bank branch.. They have requested that I activate the card via their automated phone system at ( XXXX ). Upon contacting that number and going through their option list I was never given the option to talk to a person to inform them that I ( XXXX XXXX XXXX XXXX did NOT order or request any type of card from U.S. Bank. 
I am and will hold onto the card until such time as this complaint is resolved and upon that resolution will shred and destroy the card.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Servis One, Inc., Titusville, PA Branch (WI)

On XX/XX/2019 after multiple attempts to log in to the website on days prior and multiple attempts to call in on this date and days prior, I was able to access my new mortgage in the telephone system.  On the website it clearly states they will not accept post dated payments, yet the website and the phone system only allows a payment to be dated the following day.  An agent in the following month told me that the day you call in your payment is logged in.  It was not.  It was posted on the following day,XX/XX/XXXX, and a 30 day late reported.  I paid in the 30th day.  I did the same thing the month of XXXX  I attempted again to log in.  I could not make a payment this way. In XX/XX/XXXX  Then I made 11calls, ultimately being able to finally get in the system and after 7 attempts, make a payment, approximately XXXX at night.  I was then told that this payment was posted on XX/XX/XXXX.  I was not aware of this until I learned that a 30 day for XXXX was reported in this day—again if this is the argument that they will ding me for a 30 day in XXXX and post my payment onXX/XX/XXXXand then I pay on XX/XX/XXXX, they are positing it on the 30th day.  This rationale then does not make sense.At that time, then an agent told me we posted it toXX/XX/XXXX because it was EST and you are CST, and this is clearly on our website.  It is not.It also clearly says that post dated payments can’t be made.  That is apparently the only way that you can post a paymentnonline and onthephone unless you speak with an agent.   None of this is adversitied.I disputed this when I found out about it the first time in XX/XX/XXXX.  It has been 30 days and I have not heard.  It took me escalating it a second time with all 3 bureaus and escalating it.I then got an email stating they would consider the dispute but they did not want to get a deragotory for retracting a late report, that it is adverse against true company.  They then proceeded to tell me that if I pay late it in the month or on the last day I need to speak with a representative and then they will post it immediately.Every story is inconsistent and the website does not support what I have been told nor what is typical operating practice (payment posts when called in).  I feel this is false and fraudulent credit reporting advertising and is false advertising for informing consumers.  I essentially have been denied the opportunity to use technology and use the paperless option and have a dependable system.  I have been denied the opportunity to maintain a spotless mortgage history.  They have reported two 30 day lates in a row.I want these deleted.  THe  company did say they value my business and appreciate the feedback.Please get these deleted from my report.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (TX)

Around XX/XX/2021 Square Inc, closed my account due to a chargeback. My cash tag is XXXX XXXX. I had no affiliation with this chargeback and do not understand where that came from. However, with my account being closed I still had a remaining balanced left on my account. It totals to {$180.00}. I have tried to connect multiple debit cards and bank accounts and it keeps denying them. I have contacted them on multiple occasions only to be told to continue to try different methods. Nothing is working and I am still unable to gather my remaining funds left in my account.
Consumer complaint received 2020-06-25
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: Experian Information Solutions Inc. (OK)

There has been a derogatory remark on my account in credit reporting agency like experian, XXXX  and XXXX. The truth of the fact is I did borrow money from the department that reported that. I am a XXXX XXXX and I have a GI Bill to use while I was going to school in New York. According to VA they claimed they have overpaid my book stupends by {$120.00}. This is their own negligent if they have overpaid and should not be tempering with my hard earned credit. My credit is valuable to me so I make timely payments on all my debts. I have contacted the credit reporting agencies about inaccuracy of their data because they indicated I have four months missed payment but in their comment box they stating I am infected by natural disaster. Well, I am from New York so I am affected by COVID19 during those times missed payments was noted. This sound like a conspiracy to destroy my credit. {$120.00} can not destroy someone who have over {$300000.00} debt but make my payments on time. Why would you report 4 months missed payment on the account which was just reported on XX/XX/XXXX to your agency. If VA would not find competent people to work for them, they would call me to notify me instead or mailing they claimed they did but I never received any mails from them. Post office was shut down and mails was taking longer to reach us during pandemic and up till this time it is still slow. This is an incompetent debt collector because every debt collector will call.the consumer. I will attach the mail I received on XX/XX/XXXX dated XX/XX/XXXX about them reporting above amount to credit reporting agency. My issue is why would they note 4 months missed payments but I am affected with natural disaster right. Stop tempering with consumers credit score because it is making living hard. One could loose their job because those little mistakes you do.
Consumer complaint received 2020-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

I've asked Navient/ XXXX to stop contacting my employer directly and they have so far refused to do so. Our HR manager received a fax today from Navient/ XXXX  and it was a request for employment verification. This is ridiculous at this point and XXXX.
Consumer complaint received 2020-06-25
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. (NC)

I have been contacting the credit bureaus ( Equifax, XXXX & Transunion ) to have information removed that does not belong to me. After the disputes, they return a message that states they have verified the information belongs to me. This can't possibly be the case since they do not belong to me. How do I get this information disputes correctly with true results?
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (FL)

I received an alert on my credit report about an alleged debt with a company that I have never had any interaction, contact ot transaction with. 

The collection agency is TEK COLLECT INC. Reported on XX/XX/2020 Original lender is listed as : XXXX XXXX XXXX XXXX XXXX No other information is listed. 

I was mever contacted, and never received any information regarding any debt, and I do not reconginze the original lender and I do not have any affiliation with that entity.
Consumer complaint received 2020-06-26
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)

This is not my account. Please remove from my report Ive been dealing with this well over 30 days. 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX/XXXX/XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute filed ftc reporting public records when I opted out
Consumer complaint received 2020-06-26
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. (GA)

I have never applied for credit with XXXX. Someone at the XXXX XXXX store stole my identity and processed a application for credit without my consent. I have never done business with XXXX XXXX nor did I apply for credit on XXXX. In accordance with the law XXXX has a legal obligation to remove this once they were notified that this transaction was fraud. You have copy of the police report verifying that my identity was stolen. Moving forward I am giving XXXX 7 days to remove all inquiries from my credit report or I will file a lawsuit against XXXX. Once you were notified that my credit was being used without my permission you had a legal obligation to remove it. Remove it now or I will see you in court.Your company is violation FCRA and I will not stop until this is handled correctly.
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CO)

Lender GreenTree / Ditech has : 1. Refused to provide me with WRITTEN DISCLOSURE/INFORMATION as to the REASON WHY they are denying me with loss mitigation avenues to foreclosure ( Deed in Lieu, Short Sale, XXXX, etc. ) to the property in question, this after several years requesting all communications and information relating matter be submitted in writing due to my XXXX. 
2. Refused to provide me with FAIR AND EQUAL TREATMENT in mortgage loss mitigation as allowed to anyone else in my same financial situation when it is unequivocal people in my situation-currently not working since XX/XX/XXXX2015-would qualify for such remedies. Therefore, lender GreenTree / Ditech is discriminating against me. 
3. Lender GreenTree / Ditech claims my regular monthly payment ( principal, interest, taxes, etc. ) is {$5300.00} when the original monthly payment mortgage agreement clearly indicated a much lesser amount of around {$2600.00} total. Lender has been dishonest and corrupt enough to refuse to explain this massive discrepancy in writing also. 
4. Lender GreenTree / Ditech is adding {$2700.00} in monthly charges, due, and fees and once again refuses to explain such ludicrous charges in writing.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I applied for a personal loan on the internet. I received a email and call from the company approved the loan. While on the phone with the company they already had my SSN, DOB and bank information. The company tells me not to check my bank account till they finish depositing the money into mu account. Then tell me to purchase something with my debit card. Next this i know all my money from my savings was taken using XXXX. I notified my bank of everything and they froze my account but they are claiming no fraudulent activity was done and i have to pay back my money that was stolen. They are saying that wrote bad checks and i need to pay them back so now my unemployment checks are being taken each week im not able to pay for anything including daycare for my daughter. My bank with USAA
Consumer complaint received 2022-12-05
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: Capio Partners, LLC (PA)

Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-06-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-24
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: CITIBANK, N.A. (LA)

due to the immense impact of the notorious coronavirus some companies have accidently reported negative items on my report. i assure you i have been on time as i can and i should not be held responsible due to the pandemic.