davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

There's many inquires on my report inwhich I have no knowledge of and if I can not be provided with physical documentation of the following then I'm asking for them to be removed as stated in the FCRA rule of law, not to mention I been a victim of fraud, here are the following inquiries in dispute, # 1 ( XXXX XXXX, XX/XX/XXXX ), # 2 ( XXXX XXXX, XX/XX/XXXX ), # 3 ( XXXX XXXX, XX/XX/XXXX ), # 4 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ), # 5 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX )
Consumer complaint received 2018-06-10
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)

Equifax continues to report erroneous information on my credit report. I have tried to submit a dispute online to no avail. They claim the information i submit to confirm my identity is incorrect. This is just a scam to continue to allow fraudulent information on my credit report, which is against the law. I should be able to submit my dispute online however, they are illegally not allowing me to do so. The following accounts to do not belong to me and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I received a deposit of {$6200.00} from unemployment on Tuesday at XXXX XXXX. Everything was fine that day. The next day which would be Wednesday around XXXX XXXX I sent {$5500.00} to my girlfriends cash app because she has a bank and I wanted the cash. After her receiving the money she notified me that it would be {$90.00} to instantly deposit to her bank so I changed my mind and she immediately sent it back. I dont know if it caused a red flag after that, but I was able to withdraw {$800.00} from a XXXX XXXX atm around XXXX XXXX  ( Wednesday ). And thats when my account got locked. I knew it was a daily withdraw limit but Ive been using the app long enough to know that you can still spend money online. Everything getting declined saying for my protection. Ive emailed multiple times and also created a XXXX account so I can XXXX them my problems. After about 2 days I reported my cash card missing thinking maybe if I get a new card Ill be able to access my funds but it wont even let me order a new card. Cant spend money cant send money cant transfer to a bank I just want it off of cash app because they had no apparent reason to freeze my account. Ive been hearing a lot of people having the same problem and my thing is I already sent and spent money why cant I access the rest? Ive had someone send me {$1.00} to see if I can receive money and I can. But when I try to send the {$1.00} back it says I dont have enough cash Still havent heard from anyone from cash app and Ive been hearing that they close accounts and people lose their money and arent able to get it back. Please help, I need my money to pay bills. I have unemployment I havent been able to work, I finally get paid the money I need to survive during this pandemic and cash app freezes my whole account, not allowing me to do anything with my money I am very frustrated because no one is helping me solve my issue they wont unfreeze my account and its been over 72 hours..
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

I have disputed this account numerous times with XXXX  as well as reached out to Citibank to report the inaccuracies of the original first delinquency date. The most recent time I have disputed with XXXX  to report inaccuracies was XX/XX/XXXX and called Citibank and spoke with a XXXX to inform of the inaccuracies on XX/XX/XXXX as well. XXXX updated my credit report on XX/XX/XXXX with the status of account paid for less than the balance along with charge off status and line of credit type of loan. I received a letter from Citibank on XX/XX/XXXX stating that their records are accurate of the original first delinquent date. I have documentation proving my case that they wont acknowledge that I have submitted.
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I been a victim of fraud / the XXXX breach, etc ... I recently disputed these items but as of today the problem still exists. I'm holding the credit reporting agencies accountable because they are the ones reporting frivolous information without providing or being provided with physical verification as promised by the FCRA. If not corrected this time I will be forced to start a law suit against all 3 agencies. Hopefully this could be resolved from here. The following accounts being disputed are ... ( # 1 ) XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), ( # 2 ) XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (LA)

A judgment was filed for a previous debt of {$1400.00} on XX/XX/XXXX. The debt was made by my mother who died on XX/XX/XXXX. The judgment is based on collateral of her home. On XX/XX/XXXX a request for payoff was submitted to XXXX XXXX in order to complete the sale of the home my mother owned. The company was forwarded other requests prior to the XX/XX/XXXX request by the attorneys closing the sale, but got no response. The buyers of the house have suggested backing out of the deal due to the lack of response from XXXX XXXX.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo lied and unclear about them paying the insurance. 

I received an email from XXXX ( XXXX ) on XX/XX/XXXX. I complained to Wells Fargo a few days later. I spoke with XXXX ( ext XXXX ). XXXX told me that she will get back to me after find the issue. She called me back on XXXX said the mortgaged was paid correctly on XX/XX/XXXX. I asked for a confirmation number to make sure it was paid. She said she will send it to me via my email. I have not received any emails from XXXX so I call her back on XX/XX/XXXX. She said it is paid and nothing else can be provided. I called XXXX and talked to XXXX who was very helpful and he called Wells Fargo for me and find out that there is an issue with the check sent from Wells Fargo on XXXX. He said Wells Fargo agent told him that another check was sent later XX/XX/XXXX which is still pending to clear. 

I need Wells Fargo to improve their awful customer service. Also, their messaging system won't even let me see old messages. Wells Fargo should fix this ASAP and shame on them for the terrible service.
Consumer complaint received 2020-05-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

I send payments to this company every month at the same time I pay my first mortgage payment. Always they say I am late or they didn't receive my payment. Then they add late fees and threaten foreclosure. I have even sent them two extra payments and they claim I am behind again.
Consumer complaint received 2020-05-22
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: General Motors Financial Company, Inc. (GA)

I was shocked when I reviewed my credit report and found late payment on my credit file. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-05-23
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: CITIBANK, N.A. (GA)

I contested a charge with Citi Cards. They sent a letter requesting information and documentation dated XX/XX/20. Though the the date on this letter was XX/XX/20, I received it via USPS on XX/XX/20. I drafted a very detailed response ( 30-pages of documentation ) on XX/XX/20 and submitted it via USPS Certified Mail on XX/XX/20. The USPS Certified Mail return receipt shows they received it on XX/XX/20. 

On XX/XX/20 I received a second letter from Citi Cards informing me they did not receive a complete response. This is factually incorrect. 

My original response regarding the disputed charge included a cover letter, index, and 23 relevant attachments.
Consumer complaint received 2020-05-23
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$900.00}, {$6000.00}, {$7700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit bureaus are reporting a bankruptcy, Ive asked how it was verified since the courts do not release that information, what documents have they reviewed, and what are the means they took to verify me. I also would like to l ow who was certified to report this from the creditors and credit betrays, if this information has not been provided, which it has not, this should be removed from my credit profile, its a violation on the fair credit reporting act to publish unverified information. The only agency that can acknowledge a bankruptcy with full details is the courts and Ill be happy to reach out to ask if you were sent certified documentation verifying this information.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, 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. (CA)

Hello, I received an email from XXXX saying there was a new inquiry on my Equifax report today XX/XX/XXXX at XXXX. I went into my account on XXXX and it did have a new inquiry on XX/XX/XXXX From XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone # XXXX ), which I did NOT authorize. 

I called Equifax first and was told XXXX XXXX XXXX did request credit report so to call them directly. 

Then I called XXXX XXXX XXXX and was directed to the fraud departments for both wireless and home/XXXX and was told they have absolutely no record of any inquiry they submitted OR any new or old account information for me ( because I have never had or applied for a service with XXXX XXXX XXXX EVER ). 

Then I called Equifax back and was told that XXXX XXXX XXXX is the only entity that can remove this hard inquiry because XXXX XXXX XXXX did put in the inquiry so to call them back. 

Then I called XXXX XXXX XXXX AGAIN, and was told the same that they have no record of such inquiry and so they won't be able to put in a request to Equifax to remove the hard inquiry on my account. 

The XXXX XXXX XXXX entity in question : phone number is a disconnected number, the address is for XXXX, an XXXX in XXXX XXXX, TX. So who is requesting my credit information and why is Equifax giving out this information when I did not give authorization? 

I did inform the Equifax agent regarding this but he did not do anything further to investigate this non-existent " XXXX XXXX XXXX '' business that they, Equifax, provided my credit report to. 

Please help. I want this hard inquiry removed. They can not provide any proof that I authorized this hard inquiry on my credit report because I DID NOT give it.
Consumer complaint received 2018-06-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I went to XXXX XXXX XXXX in XXXX XXXX CA, at age XXXX. 

The school made it seem like a " deal '' and that it was a Sallie Mae government loan. 
I have a deceased parent and was never informed about " Private '' loans. 
The loan was in 2 parts totaling {$70000.00} Now that I have to make payments they will not offer me a repayment program that works with my income. 

I have been placed on a Reduced Plan but Navient still requests I pay {$500.00} a month. 

I can not afford this loan and did not get the job guaranteed to me and do not work in field of study. I only make approx {$24000.00} a year I have reached out for help, but can not receive any. 
This is effecting my personal health and well-being.
Consumer complaint received 2018-06-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Compliance Services, LLC (CO)

I called the debt collector asking for their mailing address to send payment. They not only refused, but insulted the way I was talking to them ( accused me of talking in a monotone voice ). The debt collector, XXXX XXXX, said " I sound like a serial XXXX  '', which I am not. I owe them the money, but this debt collector can not disrespect me on the phone. Their phone number is XXXX. This is not acceptable, to me.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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/XXXX
Consumer complaint received 2020-05-23
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: CORELOGIC INC (FL)

I have tried to dispute accounts with XXXX  ( XXXX XXXX XXXX XXXX ) and I have not been successful in deleting accounts and XXXX  is no compliant with FCRA 605B. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove these specific wrong accounts.
Consumer complaint received 2018-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (AZ)

Today, XXXX XXXX, XXXX I talked to someone with a company called ARA, Inc. They had made two previous calls to my cell phone but never left messages, so I called the number to see what the calls were about. The person then proceeded to tell me they were calling to settle a debt from XXXX from a XXXX XXXX XXXX account in the amount of {$4000.00}. I told him the account he mentioned did not sound familiar. He mentioned the account was opened in a different state than where I lived in XXXX, then subsequently sold to different collection agencies. I reiterated to him, I didn't even live in that state in XXXX. Not only that, but he repeatedly kept referring to me by my First and Middle names only. He had very detailed information about me and my credit record. He sited my complete social security number ; he referenced current accounts on my credit report, and then stated that I had good credit, ( " re-established credit '' ) and then insinuated that he would do whatever necessary to recover the {$4000.00} and pursue legal action. He then accused me of using different names. I stated that in the 19 years I have lived at my current address, I have never been contacted by anyone regarding a XXXX XXXX  credit card account, and at this point, all this was, was a random call to get money out of me and I requested he send me detailed information about the account / debt.
Consumer complaint received 2020-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

SO I WAS INFORMED BY A CHASE BANK CUSTOMER SERVICE REP, THAT THEY WILL BE CLOSING ALL MY ACCOUNTS. THE REP PUT IN THE SYSTEM SAYING THAT I SAID WE ARE RUNNING PEOPLE CHECKS WITHOUT THERE PERMISSION. WHICH I NEVER SAID ANYTHING CLOSE TO THAT. AND WE ARE NOT DOING ANYTHING LIKE THAT AT ALL. THIS IS COMPLETELY FALSE, I EVEN EXPLAIN TO THE REP THAT WE HAVE ALL OUR CLIENTS SIGN A LEGALLY BINDING CONTRACT TO PROTECT US FROM THINGS LIKE THIS. I DONT KNOW WHAT SHE PUT IN THE SYSTEM BUT THEN SHE TRANSFERRED TO SOMEONE WHO I COULD NOT UNDERSTAND, DUE TO A STRONG ACCENT. SHE JUST SAID WE HAVE TO CLOSE YOUR ACCOUNT AND WE CANT TELL YOU WHY. THEN SHE HUNG UP ON ME. LATELY WE HAVE BEEN HAVING PROBLEMS WITH SOME OF OUR CLIENTS PAYING WHAT THEY OWE FOR SERVICES RENDERED. DUE TO THE CORONAVIRUS SPREAD OUR COMPANY HAS BEEN STRUGGLING WAY MORE THEN USUAL, BUSINESS HAS NOT BEEN THE SAME AND WE HAVE BEEN RECEIVING MORE BOUNCED CHECKS LATELY. NOT A WHOLE LOT BUT WE HAVE BEEN WORKING ON FIXING THE PROBLEM. BUT BECAUSE OF THE PANDEMIC PEOPLE ARE PANICKING. THIS IS NOT OUR FAULT THAT PEOPLE ARE NOT ABLE TO PAY DURING THE PANDEMIC AND ITS NOT OUR FAULT IF CHECKS BOUNCE. THIS IS THE NATURE OF BUSINESS AND CHASE SHOULD EXCEPT THE FACT THAT THINGS ARE NOT GOING TO BE NORMAL FOR A WHILE. CHASE SHOULD BE MORE UNDERSTANDING TO WHAT IS GOING ON RIGHT NOW. WE HAVE LEGALLY BINDING CONTRACTS SIGNED BY OUR CLIENTS AND THEY ARE FULLY AWARE OF THE PROCEDURES WHEN VIOLATING THEIR CONTRACT AGREEMENT. I CAN PROVIDE PROOF. THIS HAS ONLY BEEN HAPPENING FOR THE LAST TWO MONTHS. CHASE SHOULD BE WILLING TO WORK WITH US ON GETTING THIS ISSUE FIXED, RATHER THEN CLOSING MY ACCOUNTS SO FAST WITH NO VALID REASONS. WE CAN NOT RISK GOING OUT AND GETTING SICK TO OPEN A NEW CHECKING ACCOUNT SOMEWHERE ELSE. PLUS WE HAVE NOT BEEN ABLE TO RECEIVE ASSISTANCE FROM THE SBA, WE ARE STILL WAITING. WE HAVE BEEN TRYING TO STAY A FLOAT. THIS IS NOT FAIR THAT THEY CAN GET AWAY WITH THIS. ALSO, THEY HAVE HELD ALL OF OUR FUNDS IN THE ACCOUNTS SO WE ARE NOT ABLE TO PAY OUR EMPLOYERS OR PAY OUR BILLS. I HAVE ASK FOR THEM NOT TO SHUT OUR ACCOUNT DOWN OR HOLD OUR FUNDS. THERE IS NO REASON FOR THEM TO DO THIS. THE REP ON THE PHONE PUT IN INCORRECT INFO AND NOW WE ARE SUFFERING FOR IT. WE WILL FOR SURE NOW GO OUT OF BUSINESS IF THEY DON'T GIVE BACK OUR MONEY SOON. THEY ARE MESSING WITH PEOPLE LIVELY HOOD. I WOULD LIKE TO RESOLVE THIS WITHOUT THE ACCOUNTS CLOSING. PLEASE HELP US TO GET THIS RESOLVED SO WE CAN GO BACK TO BUSINESS. THEY SHOULDN'T BE ABLE TO GET AWAY WITH THIS. PLEASE HELP.CHASE BUSINESS CHECKING ACCOUNT # XXXX AND XXXX
Consumer complaint received 2020-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (OK)

AmeriDebt continues to call at all hours although I'm on DO NOT Call. When I block them they change their number. I'm elderly & can't easily get to the phone. These people ( " XXXX '' ) are ruthless.
Consumer complaint received 2018-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WA)

I AM TRYIGN TO PROCESS A PAYMENT WITH XXXX TO MY LANDLORD THEY WITN ACCEPT MY NEW DEBIT CARD I MESS THEM EMAILED TEM CALLED THEM AND THEY HAVE DONE NOTHING TO FIX THEY SAY ITS MY BANK WHICH IS XXXX XXXX BUT THEY PROCESS A PAYMENT TODAY WITH SAME BANK DIFFRENT ACCOUNT THEY SAY THEY NEVER TRIED TO PROCESS PAYMENT XXXX XXXX XXXX THEY TRIED 11 TIMES I MESS THEM AND TELL THEM HEY IF I CANT PROCESS PAYMENT AM GOING TO INCUR LATE FEES THEY SAY WEREN'T PAYING THOSE AND FOR LAST 2 HOURS ASKING THEM TO FIX ISSUE ALL THEY TALK ABOUT I SLATE FEES THAT I HAVE YET TO INCUR THEY KEEP TELLING ME CALL MY BANK BUT I CALLED XXXX XXXX THEN THEM ON 3 WAY AND THEY HU CALL