davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My mortgage was recently sold to NewRez LLC, XXXX. XXXX  XXXX, XXXX, SC XXXX, Main Office NMLS ID # XXXX. My monthly payment requirement was {$850.00}. I chose to pay extra on the mortgage, for a total payment of {$860.00}. The extra {$9.00} should have been credited as an extra principal payment. When NewRez started servicing my mortgage in XXXX 2020, instead of crediting the extra {$9.00} as extra principal, they decided steal the money from me by inventing a legal charge that I do not owe. They took the {$9.00} from me for 5 months before I realized the problem. 

I have to think that they are probably stealing from other customers also, hoping that they won't notice, as I didn't.
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. (CA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2021-02-17
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)

correct XXXX please correct the fraud alert on all bureaus potentially negative icon Potentially Negative StatusPaid in settlement. {$430.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$2000.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$1500.00}
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HYUNDAI CAPITAL AMERICA (CA)

On XXXX. XXXX, XXXX my bill did not go through HYUNDAI FINANCE - account with 2 missed payments. I could not pay due to covid-19 pandemic. The HYUNDAI FINANCE manager promised me that it will not affect my account. I am kindly requesting HYUNDAI FINANCE to remove these missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (DC)

I have been trying to attempt to resolve my issue with Cash App. First off, I have funds someone sent me that I can not access because the app is requesting my pin. Well I forgot my pin and when I hit  '' forgot pin '' it ask for my routing and bank account number. I provided my personal routing & bank account number that is linked to my cash app and the app keeps telling me the account doesn't match their records. Maybe they want me to use the routing & account number that is cash app provides on their cash app cards but I do not have that as the card was never sent to me. It is completely impossible for me to reset my pin if the info they 're requesting doesn't match their records. When I ask Cash App to call me, they keep responding by saying go to the app and select  '' phone '' but that is not an option either ... the only option the app is providing is email. THIS IS HIGHLY RIDICULOUS AND FRUSTRATING. I have funds that I can not even access and the funds have been there for almost a month. Their policy states that funds get returned after 14 days but the funds have not been returned to the sender. I would prefer they send the funds back instead of sitting in their account.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (ID)

At XXXXXXXX XXXX XXXXXX/XX/year> I tried to remove XXXX XXXX ( - {$21000.00} ) from my vault on Coinbase exchange to my trading account. Per Coinbase it should take 48hrs. 
I waited till XX/XX/XXXX to contact their customer support and ask why it had not transferred. I spent 1 hour chatting with customer service and we found out something did not happen. Coinbase was supposed to send verification emails to both my XXXX and XXXX emails. They only sent it to my XXXX email. I verified that one. They said it was passed to their support specialist and it would be fixed in 24hr. 

I waited till XXXX XXXX and it still was not resolved. I contacted customer support again and spent another hour chatting with them. They again said that I just need to be patient. They Had no timetable that they could give me for when it would be fixed. 

I filed an official complaint on their website they replied by email Hi there, Please accept this email as confirmation of receipt of your complaint. 

We will review your complaint and you will receive a response from the Customer Complaints Officer within 45 business days. 

We hope there will never be a need for you to refer your complaint for legal action, but please be advised that our internal complaints process will need to be completed before your complaint can be submitted to small claims court or to an arbitrator. 

Warm Regards, The Coinbase Team It is XX/XX/XXXX and the problem has not been resolved.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Hi my name is XXXX XXXX, and it has been brought to my attention that my social security number was apart of a Data Breach. After care review of my consumer report I have notice several Inaccurate accounts being reported on there as well as Inquiries. At this time I would ask if those inaccurate accounts on my report be Deleted immediately. Thank you. This is not a third party filing this complaint.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (GA)

On XX/XX/XXXX I checked my credit reports to ensure that there were no surprises prior to applying for credit to purchase a car ( I am a recent college graduate and will be starting a new job in a few weeks ). Appendices " A '' and " B '' show that as of XX/XX/XXXX, Source Receivables Management was not listed on my credit report and I had not received any documentation from them concerning the debt that they claim I owe to XXXX. On XX/XX/XXXX, I was alerted by my credit monitoring service that a new collection had just been added to my credit report. Upon my requesting my credit reports again, I discovered that Source Receivables Management was assigned this file ( Appendices " C '' and " D '' ) on XX/XX/XXXX, but I have never been contacted by them or given the opportunity to dispute the debt prior to it being reported to XXXX  ; XXXX  ; and XXXX, thereby damaging my credit history and score.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + My wallet and identity was stolen. I was apart of a major data breach connected to my employer. I didnt make any of these inquiries.
Consumer complaint received 2021-02-18
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. (AZ)

To Whom It May Concern, I am writing this letter in response to the noncompliance of Equifax. 

On XX/XX/2021 I XXXX XXXX XXXX submitted an identity theft affidavit with identitytheft.org because of two accounts that are still reporting to my credit file from a company named XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. 

I also requested a correction for a previous employer named ( XXXX XXXX  XXXX ) that is reporting to my Equifax credit report to be removed. This employer is not my current employer and should be removed. 

As of XX/XX/2021 a certified letter with signature confirmation from the U.S. Post Office was to delivered to Equifax, and I have not gotten a response back from Equifax since this day of XX/XX/2021 relating to this investigation regarding all three of these inaccuracies. 

It has been 39 days since my dispute was received from Equifax and as of today on XXXX/XXXXXXXX, all related disputes are still currently reporting to my Equifax credit file. 

This is a violation of my rights and I intend on taking legal action as of now, and depending on the outcome of the investigation from Consumer Financial Protection Bureau I will be swiftly filing defamation lawsuit along with negligent enablement of identity theft and the violation of the Fair Credit Reporting Act. 

I am holding Equifax responsible going forward. 

I demand both fraudulent accounts and employer inaccuracy be deleted immediately because of the 30 day noncompliance that Equifax has shown or ill be forced to take legal action.
Consumer complaint received 2021-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I qualified for the public service loan forgiveness program by my Agency after 10 years of service and submitted the qualifying paperwork in XXXX 2017. Fed Loan Servicing informed me I had made zero qualifying payments and rejected my paperwork in XX/XX/2017.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX THESE ADDRESS ARE FRUAD I NEVER LIVED HERE BEFORE
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting BANK OF AMERICA ( Opened XX/XX/XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-02-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sentry Credit, Inc. (VA)

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XX/XX/2014. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. XXXX XXXX has sent me several bills in which I have made several payments to. This is a violation of 15 usc 1692b. You are acting as a third party debt collector and I never gave you permission to obtain my information. There isn't a contract between Sentry Credit and I, if so, please present that contract to me with my signature. You will be held Criminally liable Pursuant to 15 usc 1611 and Civilly liable pursuant to 15 usc 1640 for violation of my consumer rights.
Consumer complaint received 2021-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

XXXXI went to purchase2 items from XXXX XXXX XXXX one in the amount of {$29.00}, and the other in the amount of {$88.00}. After receiving the items neither item was in working condition. I reached out to XXXX XXXX XXXX via text message and requested my funds back, which XXXX XXXX ignored my messages. I reported this issue to Square, Cash App, which is where the transactions were made threw and they informed me there was nothing they would or could do.
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TN)

On XXXX XX/XX/2019 I opened a checking account online, made initial deposit and on XXXX XX/XX/2019 received all the documents including a debit card. The same day around XXXX XXXX, I signed up for : - online banking -mobile deposit -online bill payment -online transfer from bank to bank -card-less ATM access Right before The first mobile deposit. Then I deposited three checks using mobile deposit. Out of the three checks two was my hard earned pay check and the third one was a rebate from my health insurance Company XXXX. All checks were legitimate and cleared by the issuers bank. But Wells-Fargo Bank within 12 hours of deposit ( at XXXX XXXX on XXXX XX/XX/2019 ), with out giving me an opportunity to prove the legitimacy of the checks, claimed counterfeit and decided to close the account on XXXX XX/XX/2019. Which blocks access to all banking features including deposits. I tried to reach out to all relevant departments of the Bank, but Ive got no resolution. Instead I was treated like a fraudster and told the same story that I deposited a fake check even though I provided proof for legitimacy of checks deposited. I have not lost any money or valuables in this process, but my constitutional rights were violated. I didnt proceed with legal action because I found no provable damage to my reputation. This doesnt assure me that the damages were not there unless the bank says so. when I find such damage before they act, we will be discussing in a different circumstances. Today I filled this complaint after my own research about the banks history not just to resolve my concerns. Also because I believed Wells-Fargo Bank have been engaged in a fraudulent activity. Data shows that success of a Bank is partially measured by : - 1 number of customers 2 number of online banking users ... etc. 
Its not a secret my account was closed right hours after I signed up for all of the services.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX credit card limit {$8100.00} opened on XX/XX/20 Is showing as an open an account on my transunion credit report and it is not my account. XXXX XXXX  has already contacted transunion for my removal from account, but transunion has not removed account from my credit report and is affecting my overall fico score.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXXXXXX Balance : {$100.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX Balance : {$260.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$3100.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXXXXXX Balance : {$4300.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

XXXX XXXX Balance : {$7500.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5300.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.
Consumer complaint received 2021-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have contacted Transunion and XXXX  regarding incorrect information on my credit report. The dispute was filed the same time with XXXX. XXXX investigated and deleted the item meanwhile Transunion and XXXX  have done nothing. This is adversely affecting me and I want this incorrect information removed.
Consumer complaint received 2021-02-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

I sent 2 letters requesting to Santander USA to send requet letters to XXXX the credit Bureau and Santander never respond to me then I sent a Dispute letrer direct to XXXX and they did respond with a non compliant answer and XXXX did not remove that alleged inaccurate misleading unverifiable account because is a Santader usa Multi State sub Prime auto Lending and as your office Know Class Action law Suit was perform by 33 attonerys States and. I am been affecting because only XXXX still reporting such Alleged it Account in my credit Reports
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am reaching out to inform you that I have been a victim of identity theft, which has resulted in the appearance of several fraudulent entries on my credit report without my knowledge or consent. These 3 unauthorized accounts and 3 inquiries were added to my report without my approval. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed a report with the Federal Trade Commission ( FTC ) concerning this identity theft and am now requesting the immediate removal of these fraudulent items to correct my credit report.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Management Partners, LLC (FL)

I disputed a debt reported to XXXX as it is a medical debt reported as collections. It impacted my score by more than 70 points because it is not reported as the correct type of debt. The negative impact of the score has also impacted my ability to obtain a mortgage. I submitted a dispute and it was not removed or updated to the proper collection type. Additionally, I have submitted documentation for financial assistance to the facility this debt applies and I am awaiting approval.
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

On XX/XX/2021 some people who were pretending to be an identify verification company for cash app and XXXX committed fraud using cash app and my bank account. This fraud occurred using Cash app which is a subsidiary of square. The people committing the fraud said that I needed verify my identity by sending money to a person that I know and having them send the money back to me. I sent {$1900.00} to my wife XXXX XXXX, and she sent it back to me to my cash app. The fraudsters asked me to use an application off the XXXX XXXX  called XXXX XXXX quick support. This was part of the very detailed process that was described to me by the fraudsters that would help with my identity verification which would also me to use other quick money transaction applications. From an optics standpoint, the money looked like it came back to me from my wife on the cash app platform as it even had my cash app name as the recepient. However, somehow the fraudsters must have a way to manipulate cash app systems because the funds got deposited onto a bank card that was not linked to my wife or my cash app account and still isn't. I reached out to cash app, they do not have any phone support and continued to send me in a circular loop of emails saying " the money went to your bank card '', with me continuing to tell them that it did not. Finally cash app sent a record of the transaction. My bank XXXX reviewed it an pointed out for Cash app that it looked like the money was withdrawn from a XXXX terminal in CA. I live in Ohio and was in Ohio at the time. This was another major indication that fraud had occurred and Cash app at the point really slowed their communications back to me via email, possibly to gather a story to try and explain what another financial institution had pointed out to the. Cash app from my perspective has some liability in this, and is refusing to assist me with the issue that occurred on their money transfer platform. Cash apps website even says they have fraud protection, but when the fraud occurs they are reluctant to help. {$1900.00} is a lot of money to me, and I would think that cash app would be able to refund customers and have some ownership in understanding how fraud is occurring through their systems verses a rehearsed response to affected customers saying " the money went to your bank card, which is not true ''.