davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I have been filing properly with Equifax to have XXXX XXXX XXXX removed from my credit report. I have filed numerous disputes and they continue to leave on my credit report, and it should have been removed, should be removed where the 7-year statutory reporting period has long since past from the first time it was reported to them as late. 

I have a document that I will send to you dated : XX/XX/XXXX, that supports XXXX reported the account late on XX/XX/XXXX for  the first time, and this is nearly ten years later and it is still on my report, the vehicle was voluntarily surrendered in XX/XX/XXXX when both my parents became terminally ill and I could no longer afford. 

I need your assistance, I have tried and tried. 

The seven-year statutory period has long since past and it should have been removed, it is causing me severe hardships when applying for my student XXXX Plus loans I continue to get denied due to this and have to explain and appeal each year. This is something that should have been taken care of years ago. 



Very truly yours, XXXX XXXX XXXX
Consumer complaint received 2020-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I used the Cash App to have someone send me funds. I went to deposit the funds into my bank out of Cash App. I check my bank account on the day that the funds were meant to be deposited into and they were not there. I then reviewed the transaction on the Cash App and saw that the direct deposit was set for a bank routing number I had never heard of. I looked up the routing number of the bank and it appears that it is the bank that Cash App runs all of its transactions through. I am unable to see the full account number that the money was transferred to. Cash App has no direct customer service. No phone number that they currently have listed gives you any information, they only have messages about things that are not what they state on their website. There is only a limited way to send in a complaint on their site ; you have to hunt through their menu to even find a form. This was clearly a mistake and it seems clear that Cash App put in a placeholder direct deposit account that went to their own bank. I have no idea why they would do this, why wouldn't they just leave it blank?
Consumer complaint received 2020-08-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

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. 

-- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2020-05-04
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-04
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. (MN)

I went online and try to submit a dispute my credit and information with transunion, XXXX, XXXX  the big 3 credit bureau because they have missed lead other finances company stated I owe money and has open collection know that my credit score should be on a rise I also file and has a bankruptcy chapter XXXX  discharged and yet this company made it impossible of for me of getting any finance for vehicle or open a credit card so I can establish my credit this is called a punishment I received from transunion because I file bankruptcy and fact was they work with banks and other finance company so that I can't get back up on track because I file bankruptcy chapter XXXX and it was discharged by law I am protected under the bankruptcy law.
Consumer complaint received 2020-05-07
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-04
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX {$910.00}
Consumer complaint received 2020-05-04
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. (TX)

I have been monitoring and trying to remedy the affects of ID theft and recent data breach by XXXX and FEMA on my credit reports for the last couple of years, especially the last year. The three CRA continue to allow inquiries to my reports without valid need and sell my personal information for profit after requesting not to because of identity theft. I have completed numerous online disputes, sent multiple detailed certified letters to each credit reporting agency along with sufficient proof as requested. The CRA refused to remove one entry after multiple disputes until I sent in a court order of dismissal, even then it still appeared for several months. This is just one example. The CRA do not give me the information as to my dispute investigation, only refer you to the creditor to work out on your own, however this is the job they are paid to do. Experian and XXXX refuse to properly investigate/reinvestigate or remove fraudulent, outdated and erroneous information, even information that has already been removed from other CRA. I have provided detailed information to each CRA, have submitted consumer statements that are not listed on my reports along with submitting the copies of their reports with the highlighted errors. Each CRA has been in direct violation of the FCRA on multiple issues. I have been under tremendous stress and anguish over this and have spent hours and a lot of money as well as being denied credit, insurance and have been given extremely high interest rates because of this. My next step within the next thirty days will be to remedy in the state or federal court as Experian, XXXX and XXXX continue to parrot erroneous information by third party affiliates who pay them and fail to follow rules and laws or protect my private information..
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (IN)

At the time the Corona virus was starting to affect me in early XXXX all banks I work with extended relief and proactively offered to work to delay payments with no consequence. As a result I held onto cash until I could determine the degree I will be affected, and did not pay many accounts until late XXXX. 

For my line of credit with Regions Bank, this meant I delayed payment until XX/XX/XXXX ( 2 payments ) and XX/XX/XXXX totaling {$1400.00}. I used Regions own online system for these payments, and was surprised there is a 2 day delay in an internal transfer showing up even though its the same bank. On XX/XX/XXXX, Regions reported me as late even though the reason is Covid, and my credit score dropped significantly. Regions tells me I was required to proactively submit a request form but did not communicate this to me. Over the long term, Regions does not proactively notify me when a payment is coming up for my line of credit or credit card accounts, even though they own both. For all other accounts in online banking ( like XXXX XXXX XXXX ) I get notification. Regions ' approach is to use a phone call which gets marked " Spam '' to call me, and there is no message left. This has directly resulted in 4 total cases, with my credit score significantly affected as a result. I request the most recent case as well as the 3 prior late payments showing from Regions to be corrected.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have a credit card with XXXX XXXX Credit Card ( XXXX XXXX ). I have been making regular payments on my card and I have the payment history to prove all my payments posted. The bank is reporting my account late but I was not late. I called the bank and I spoke to a representative who told me that I had a returned payment. I checked with my checking account and they didn't attempt at withdrawing the payment. The representative said I contacted them and expressed that I did not authorize the payment, and that's why it was returned. This is completely false. I never unauthorized a payment. They never notified me of the " returned payment '' as well. The bank reported to my credit report 60 days late. I disputed it with Experian and it was changed to a 30 day late. The investigation and bank are giving me inconsistent information and it's completely fraudulent how they are destroying my credit. I asked for proof of how and when I contacted them to " deauthorize '' payment but I was told they don't have that information available. I was told the late fee that they charged to my account because of this mysterious returned payment was credited back to my account. The fact that they credited an erroneous late fee but refuse to fix the information they provide to the credit bureaus is proof in itself that this bank is fraudulent. This bank is unfairly ruining my credit that I am working so hard to rebuild. Attached to this complaint is my account payment history that shows I indeed made payments yet they tell me it was returned. I don't think they ever attempted to debit my payment and I'm paying the price for their negligence and destructive business practices.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WV)

During the timespan of XXXX XXXX, an account was created with Experian using a fraudulent email. We have since frozen our credit, however the individual with this email is notified if we freeze, lock etc. We have unsuccessfully tried to navigate through Experian 's IVRs - often on hold for hours at a time, and disconnected frequently. We need a live person to remove this email from my social security number so we can secure our account.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (CO)

I opened a CASHBACK DEBIT debit/checking account with Discover on Thu, XX/XX/XXXX. Since then my account was locked 2 times within 24 hours for no apparent reason. I called their support team to try to resolve. The first person I was able to talk to confirmed that my account was locked but could not give me the reason why and said they would have to forward me to another group. I waited over two hours on hold before the call was disconnected. I finally got a hold of someone and they where able to unlock my account. I then went to my account and put in the details to connect my XXXX XXXX  Checking/Debit account so I could transfer money out of my discover account. ( I had deposited a check when I opened the account ). As soon as I did this my account got locked once again. I spent the next two days trying to resolve this issue and wasted 10 hours in total waiting on hold. I would get to 2 to 3 hours on hold before the call dropped. On Monday, XX/XX/XXXX, I was finally able to get a hold of someone and they where able to unlock my account and did not need to forward me to another group. I asked them to stay on the line while i tried to add my XXXX XXXX account. As soon as I did that the account locked again. They unlocked it again and again it locked after I put in my XXXX XXXX details. They then figured out that Discover does not accept XXXX XXXX as an account to transfer money to. Instead of having a message pop up telling me that, the system is designed to lock me out and require me to waste days of time on hold. This is a serious design flaw and on top of that the wait times to get it fixed are unacceptably long. Once I got my account open and my check deposited successfully, I initiated a transfer to my XXXX XXXX XXXXXXXX checking account. Today XX/XX/XXXX I got a message that my account has been locked due to suspected fraudulent activity. Back on the calls I was able to beg someone to let me talk to their supervisor instead of putting me back in the 3+ hour long queue. The manager was able to get me on a special list where the correct team would call me directly within 2 to 3 business days. This is a totally unacceptable length of time to get your account unlocked. My check is now frozen in transit and will not hit my XXXX XXXX XXXX account until this is resolved. I'm at my wits end and don't know how many more hours I will have to waste trying to get my money out.
Consumer complaint received 2020-05-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX  XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MN)

I am the middle of a financial transaction ( buying and selling a house ) But 3 days before my closing a collection account was enter to my credit report. But that collection was already paid 3 years ago. 

This information create a chaos, since they are reporting a high balance, XXXX got my money long time before I was even in collection
Consumer complaint received 2020-05-04
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. (AL)

On XX/XX/2020 I spoke with a manager concerning my account and per our conservation there ae some inaccuracies with what they have reported and what is being shown. Please see the attached inaccuracies as opposed to what XXXX  and Transunion are reporting.
Consumer complaint received 2020-05-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (WV)

This company is NOT abiding by law. I have tried numerous times to fix this issue with the furnishing dept. Typically, the loan amount is posted onto the credit report and principle gets secured every month. Never does a 10 day payoff amount get posted and NEVER does it increase due to interest. They have been increasing every single month, not deducting the principle. We took a loan amount of {$25000.00}. Our statement from XX/XX/XXXX shows a balance of {$24000.00}. Instead, theyre actively INCREASING this amount which by law, is severely incorrect. This is not a revolving account but seems to be treated as such. This is HURTING my credit, increasing my Debt to income ration every month when it should be decreasing.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

On XX/XX/2020 I transferred {$250.00} electronically out of my checking account at Fifth Third Bank to another financial institution. The bank charged {$3.00} for this transfer. The brochure that describes the account I have ( Free Checking Plus ) does not list this fee in the list of fees provided on page 7 and 8 of the brochure. I am attaching this brochure below. When I contacted customer service to see if this fee was a mistake, they said it was not. They had no explanation why this fee was not disclosed in their literature for this type of account. It is my understanding that banks are required to disclose all fees to their customers. If that is the case, Fifth Third Bank is in violation.
Consumer complaint received 2020-05-02
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: EMBRACE HOME LOANS (FL)

My complaint is about EMS Embrace, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX on XX/XX/2019. Please remove immediately. 
XXXX &XX/XX/XXXX19 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX19.
Consumer complaint received 2020-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

In early XXXX our mortgage was apparently transferred or sold to another company. We were unaware of the change. We continued to make ALL PAYMENTS monthly the same way we had been doing. We paid every month to date, we have no outstanding payment due. The new company is called Fifth Third Bank, a company which we had never head of. We sent all payments to the previous addresses used for payments : XXXX XXXX  XXXX XXXX, OH XXXX and XXXX XXXX XXXX XXXX, OH XXXX The following problems have occurred from early XXXX until the present date : 1. Fifth Third Bank has not cashed some of our checks which we have mailed.

2. Fifth Third Bank cashed some checks, but did not credit the payments, and instead marked the mortgage as unpaid, and improperly added additional fees and late charges 3. Fifth Third Bank has sent some payments back to us in the form of a check. To date as of XX/XX/XXXX, we have received 3 checks sent back to us : 1 check near the end of XXXX, in the approximate amount of {$4600.00}, 1 check XXXX of XXXX approximately {$4600.00}, and one check XX/XX/XXXX in the amount of {$15000.00}. Please note that these amounts for the 3 checks returned to us does not equal the total amount of payments we have sent to this company, and does not reflect the total payments that we confirmed the company received and cashed in the form of cleared checks. ( See evidence included of check payments confirmed cashed ) 4. We have made repeated attempts to pay all monies due in full, and the company either refuses to credit our payments, but does cash the checks we send, and improperly adds additional fees. 
5. This company has fraudulently initiated a foreclosure proceeding despite the fact that we have SENT ALL PAYMENTS DUE TO DATE, and the fact that WE HAVE THE MONEY TO PAY - and that we are trying to pay all amounts due in full. 

I am on oxygen 24 hours, 7 days a week. I am over XXXX years old and also have extremely bad XXXX. This has been very troubling to me and has negatively affected my health. We have the money to pay what is due, we have always had this money and we have been attempting to pay the money this entire time. This company is committing fraud by falsely adding additional fees and cashing our checks but not crediting our payments.