davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-22
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. (NY)

XXXX XXXX/XXXX  incorrectly reported a credit card balance after I fully paid off the balance and closed my account in XXXX, XXXX. This resulted in a delinquency record on my credit reports and a significant damage to my credit score. I contacted XXXX XXXX and all three credit bureaus ( TransUnion, XXXX, and XXXX ) multiple times during the past month - XXXX XXXX  has been extremely difficult to deal with. 

After many phone calls I was not able to get a response from the department that handles credit report disputes. Their representative first said that they already sold my account to a collection agency and would not be able to help me. I then had a conference call with XXXX XXXX  and the collection agency to confirm that there was no outstanding balance associated with my XXXX XXXX/XXXX  account, as the collection agency already did an investigation in response to my dispute and promptly removed their false collection records from my credit reports. But XXXX XXXX  is still not able to remove their false information in a timely manner. I was given conflicting directions - one representative told me to file a dispute directly with the credit bureaus, and another representative told me to mail a letter to the XXXX XXXX department that handles disputes. I did both, and XXXX  a letter with supporting document to XXXX XXXX  on XX/XX/XXXX. The XXXX  tracking number shows that XXXX XXXX  received my letter on XX/XX/XXXX. However, as of XX/XX/XXXX, no one in XXXX XXXX was able to confirm if they received my mail or not, and if anyone was reviewing/working on my case. A XXXX XXXX  representative told me that even if they received my letter on XX/XX/XXXX, it could take up to 90 days to review and reach a conclusion. This is an unacceptable amount of time, especially for a case that was already investigated once by the collection agency that XXXX XXXX  used. 

XXXX  XXXX/XXXX  is by far the worst financial institution I have had to deal with. They do not have the ability to handle customer account records correctly and resolve customer concerns timely. Their irresponsible actions have resulted in a significant damage to my credit score and financial implications.
Consumer complaint received 2021-08-22
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. (DE)

Greetings My name is XXXX XXXX. On Two Occasions, XXXX obtained a copy of my credit report. My ex-wife who I had divorced in XXXX still had access to my social security number. And had tried to purchase a house using my SSN to cosign on a mortgage without my consent These Two occasions were XX/XX/XXXX and XX/XX/XXXX Respectively
Consumer complaint received 2020-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (RI)

On XX/XX/2020 I transferred {$500.00} from my external account to my cash app mobile checking account. CashApp is a subsidiary of Square Inc. For some reason still unknown, cash app lock my account. For some reason also still unknown my account remains locked. Despite several attempts to contact them, the following day and every three to four days since my account was locked I've received little to no support to resolve the situation and verify my identity which they said was necessary for me to regain access. On XX/XX/2020 again I attempted to contact Cash app for a status update on my case. Shortly after the same day I received a reply stating that my case had been closed due to non communication on my part. That was completely false, I have more than enough data to prove that was false. They have no dedicated phone lines to communicate with customer support, they only communicate via email. When reaching out to customer support they state that they will respond within 48 hours. That also was not done on their part. I also attempted to communicate with customer support via XXXX. After a lengthy discussion, they said nothing can be done until the investigation is complete. Since then they have avoided all my attempts to communicate with them. My funds of {$500.00} remain lock in the account. As you can imagine during these times under these circumstances, I am in dire need of that money and they have done very little, almost nothing to make those funds accessible to me. 

Also irrelevant to my case but I would like to state that several persons known to me have experience similar issues.
Consumer complaint received 2020-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

On XX/XX/2020 I purchased an amplifier and was in agreed upon at the time of purchase the guy XXXX XXXX XXXX XXXX was going to hold until i picked up on sunday or Monday. I paid the guy {$60.00} for the amp and to hold until i drove into the city. When monday morning came I messaged the person that i purchased the amp from to get the address to pick up the amp i bought. I was ignored and blocked. Four days later I seen the same amp i bought posted for sale and when i looked at the post and it wasnt being sold by the same person. I messaged this person XXXX XXXX XXXX XXXX and he confirmed that he purchased from a " XXXX '' in Illinois. When the conversation went on this guy was none the less nice not polite. I then tried to reach out to XXXX as well as my bank and Cash app to get my money back. My financial institution refunded my money temporarily until they conducted an investigation. I got a letter on Thursday 4- stating my bank was taking the funds back as their investigation shows that cash app are not responsible. That they are a 3 party financial center. But they need to be held responsible as they claim its safe but it is not.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

In XXXX of XXXX I opened a PC Richard credit card run by synchrony Bank and was told that it would be interest free for one year after the promotion expires I will start paying interest. After that I was told I need to go with paperless statements unless I want to be charged so I went with paperless statements. I opened an app on my XXXX  phone and I paid the bill monthly through the app which did not work too well cuz I could not access my statements but I was able to pay the bill monthly. When the promotion expired I noticed a {$2000.00} interest charge. That charge was for the years worth of interest not just monthly interest on the remaining balance. So I called the bank in the store the store could not help me and neither could the bank. The bank told me that they sent me emails and correspondence telling me that my promotion was going to expire I did not receive any correspondence or emails from synchrony Bank. They also told me that there was a 30-day grace period that they do not advertise that I also didn't know about. As of now they can not help me the card is paid off with the exception of the interest and don't know what to do from here. If I was given a heads up about the promotion ending and being charged {$2000.00} in interest I would have paid it beforehand.
Consumer complaint received 2021-08-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA servicer provider for mortgage is XXXX. XXXX automatically enrolled me in a loan modification program. This program was later explained to me as only to lower payment nothing else will change. At that moment I asked for XXXX to send me paperwork. The paperwork that was mailed and arrive some timed in late XXXX. I quickly read the paperwork because my wife and I were XXXX XXXX XXXX XXXX and we had so much going on. I signed and sent the paperwork back to XXXX, after some more careful thought I changed my mind and called XXXX TO CANCEL THE PAPERWORK. They assured me they would cancel it and resume original payment amount. What happened after that was XXXX block my online access and over the phone to make any payment. XXXX I received a called from a Veteran Affair mortgage representative asking if I am ok financially, I stated yes and explained the issue that I have with USAA ( XXXX ), With the VA help we were able to get to the bottom of the issue or so we thought. XXXX stated it was a miss communication and if I made up the payment they would fixed everything. Well during that time I checked my Credit score and XXXX reported me to credit report for being delinquent for the time they blocked me from making payments. XXXX assured me they would fix that, but they never did and now they told USAA CEO office whom I contacted to resolved this at the lowest level. Stated because I made those payments, that I am now stuck with the bad report. Because of the loan modification that i never agreed to. So how XXXX loss all phone transcript and told USAA a lie that even though I canceled the paperwork because I signed it originally that I have to be subjected to the bad report, I asked USAA how is that FAIR practice? So I am filing this complaint so this does not happened to anyone else.
Consumer complaint received 2021-08-20
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. (FL)

I have called and submitted a dispute with an agent at XXXX and due to a system error they weren't able to assist me with this matter that I also mailed out my personal information attached with an identity theft report. I have not received any updates or anything verifying this fraud account and I would like further assistance for this matter. Please help me investigate this matter further and getting this account removed from my credit report. Thank you in advance
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Universal Payment Corporation (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

On XX/XX/2021 XXXX  XXXX XXXX Closed my checking and savings account, along with my children 's minor accounts with no explanation, I called to inquire about the closure and they stated it was an " executive decision, they refunded my children their funds in the form of a check a couple of months later. I had balance on my account of but I never received a refund, only them reporting I " owed '' a " unpaid '' balance of XXXX which I did not find out until much later, this caused such a inconvience as I had my main monthly income directly deposited into said account. 

months later I went on to open an account with XXXX XXXX with no issues, along with my children I had no idea what was being reported on checxsystems, until I was in the market for a vehicle. I was approved for a XXXX auto loan through a Credit Union but was not able to move foward with the loan process, because I was made aware of what was being reporting on Chexsystems by XXXX  XXXX XXXX, They reported " My account was close due to " fraud ''. I was livid! knowing full in well I commited no fraud, I went into a XXXX  XXXX XXXX Branch to speak with a XXXX XXXX, as I called XXXX  fraud department on my phone. 
I was on the phone for a total of 4 hours with still no explanation of what fraud was commited and why they had that listed on " Chexsystems '' ( the consumer reporting agency that All bank use to screen applicants that want to opening any type of Checking or Savings accounts ) or how it could be resolved, the Branch manager was helpful but could'nt tell me anything more than what the rep on the phone was saying I disputed this with Chexsystems to only receieved a letter stating " There was no actual fraud done '' and that the information ( account ) would remain on Chexsystems. They even admited in the response that they did not make me aware of what they reported without to the agency without my permission, This is hindering me as buisness and trying to establish financial security for my children. this has been a complete nightmare. I can not open any other bank account at this moment because of this information that is being reported in Chexsystems by XXXX XXXX XXXX
Consumer complaint received 2021-08-20
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. (CA)

I've contacted Equifax XXXXXXXX and XXXX I was able to dispute everything that needed to be disputed on my credit file with XXXX and XXXX however Equifax gave me a hard time and told me I would be unable to dispute so I am filling the complaint with you guys in regards to this matter there has been fraudulent activity on my credit file and it needs to be removed There is over 50 inquiries on my credit file accounts opened that I never opened nor have any knowledge of and accounts that should have been removed due to the pandemic that have not been
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

XXXX is offered me a 90 day payoff option which I did. They sent me a letter letting me know the 90 day payoff was complete. They offered me to use XXXX dollars which I only used XXXX which i paid off. So that leaves XXXX to use which I dont want to use. Experian added this as debt that I owe. And have attached that amount to my debt. I explained this and gave them proof to no avail.
Consumer complaint received 2021-08-21
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: Experian Information Solutions Inc. (NY)

On or around XX/XX/2021 when signing up for timeshare as a single individual there was no credit pulled or stated due to property was being taken over at the same rate and amount that was owned by the original owner. Three months later I noticed westgate being report without my written consent
Consumer complaint received 2021-08-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (PA)

On XX/XX/XXXX I deposited money into M & T Bank. The funds were due to a personal injury settlement. There was a Court Order requiring the funds be placed into a restricted account with no withdrawals prior to 18 without prior Court approval. On XX/XX/XXXX I received a letter from M & T stating they would be closing the account as there was no activity for a period of time. On XX/XX/XXXX I signed a paper stating the account should remain active and again explained that the account wouldnt be accessed until my daughter was XXXX. I again received a letter in XX/XX/XXXX stating the same thing. I called M & T on XX/XX/XXXX and told them to keep the account active and again she would not be accessing the account until XXXX. In addition, I requested our address be updated since we moved. Today, XX/XX/XXXX, my daughters XXXX birthday, I called M & T to determine what I needed to closed the account. I was told that the account had been closed on XX/XX/XXXX because the state requested the funds and there wasnt anything further for them to do. After further research, I located the funds at the Pennsylvania Treasury Departments Bureau of Unclaimed Property. This account was opened per Court Order when my daughter was XXXX  years old. They accepted the funds and opened an account knowing she wouldnt be touching this account for 8 years. Now we have to go through the unclaimed property department to collect money, which failed to gain interest for the past 6 months due to their error.
Consumer complaint received 2021-08-20
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. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXXDate of Inquiry XX/XX/2020 XXXX-Date of Inquiry XXXX  XXXX, XXXX
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-08-21
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. (VA)

On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. Til this day, over 60 days later I have not received a repsonse yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within a 30 day time frame gives a reason to immediately remove those items from my credit report. It has been over 60 days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I sent a debt validation request letter to the credit bureua Equifax and they only sent back a credit report showing the incorrect and falsely claimed derogatories with the account # 's ( XXXX, # XXXX, # XXXX ). The dates of my certified mail receipt is XXXX. The amounts for these derogatory claims are {$700.00}, {$440.00}, and {$650.00}. I also sent a debt validation request letter to XXXX XXXX XXXX which is the original creditor and with same amounts stated above, and the same claim numbers stated above. I never got a response letter back from XXXX XXXX XXXX at all, as if the company doesn't exist. The date for this letter was on XXXX.
Consumer complaint received 2021-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (NV)

I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called DRS or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. I got a response from DRS with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue these guys.
Consumer complaint received 2020-04-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CA)

I have the cash app I had money on their for awhile like XXXX  dollars I never used it on anything then my wife wanted to see ake it off the app When I went back to look at the balance they show XXXX as the balance I have bank statements to show the money still their never spent I've been trying to make a complaint but they keep me in a circle asking same info over an over I'm really tired of this game Ready to take legal action against them This is kinda like the last reach out to them