davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (NC)

My complaint is regarding the mishandling and negligence of our home construction loan by XXXX XXXX. The primary complaint is that Homeside induced me into signing the agreement by making promises to me and my wife in regards to how Homeside would manage our construction loan. We were assured that Homeside had our best interest at heart as this was our first home build. Prior to closing, our Homeside loan consultant explained the loan disbursement process. It was explained to us that prior to any funds being disbursed, inspections would be completed on all requested draws by the bank prior to disbursement, this was not done. Lien waivers would also be required from subcontractors and material suppliers within 30 days but unfortunately, this was not done. Our contract with XXXX XXXX also states they were to do these two things. They simply were not done. As a result to this noncompliance, multiple mechanical liens were filed against our property and we were approached by many unpaid subcontractors. It became apparent to us several months into the project that our unscrupulous builder had a prior relationship with our construction manager which was never disclosed to us by XXXX XXXX. 
Unbeknownst to us it was discovered that the builder was given funds without our knowledge, his risk insurance had lapsed, and his builders license was invalid. Needless to say, all of these infractions resulted in underfunding of our construction loan and left us with gross insufficient funds to complete our home. Our counsel repeatedly reached out to Homeside to assist in rectifying our dilemma, to no avail. Lastly, XXXX XXXX falsely filed a 1098 form with the IRS, representing that we used 100 % of the loan. When in fact that was not the case as they withheld a portion until construction completion. As of today, construction is still incomplete.
Consumer complaint received 2021-03-28
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. (TX)

The following are FCRA violations. 

XXXX  XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. 
Account Type Collection Balance {$500.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$480.00} Date Opened XX/XX/XXXX Dispute Revolving Accounts show tooltip button XXXX XXXX  XXXX XXXX Status Paid, Closed/Never late. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute Installment Loans show tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Account charged off. {$3300.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
Account Type Secured Loan Balance {$2700.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$7500.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$7500.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$4200.00} Date Opened XX/XX/XXXX Dispute Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2021-03-28
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)

The following are FCRA violations. 

XXXX  XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. 
Account Type Collection Balance {$500.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$480.00} Date Opened XX/XX/XXXX Dispute Revolving Accounts show tooltip button XXXX XXXX XXXX XXXX Status Paid, Closed/Never late. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute Installment Loans show tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Account charged off. {$3300.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
Account Type Secured Loan Balance {$2700.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$7500.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$7500.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$4200.00} Date Opened XX/XX/XXXX Dispute Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2021-03-29
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. (SC)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-644XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance
Consumer complaint received 2021-03-29
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: WESTERN ALLIANCE BANCORPORATION (NV)

Hello, I'm XXXX XXXX i have been filling for my Benefit, but I've never receieved my CARD to be able to access my Funds, i've placed several calls through for months now it's been same .I 'm way to old for this stress please help resolve by shipping my card through o address.
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc. (PA)

On XX/XX/XXXX my boyfriend sent me {$500.00} to my cash app XX/XX/XXXXXXXX. I no longer have access to the phone number associated with my cash app. I had to create a new cash app account XX/XX/XXXXXXXX to even contact support. I tried to get access my old account via email with cash app support. I verified everything they asked me to verify and was still told that for security reasons my request to access my old account was denied and that the decision is final. I repeatedly asked cash app support what steps I need to take to recieve the money that was sent to my account and to have my ticket escalated to a supervisor. They kept stating there is no additional information and that they would close my support ticket. My boyfriend ( the sender ) also put in multiple support tickets trying to get refunded for the {$500.00} since they would not give me access to my account. He was told that I would have to contact support on this issue and that there is nothing he can do on his end. I read under cash apps terms & conditions that when a peer-to-peer ( P2P ) transaction is initiated cash app can hold the funds until the payment is accepted or refused but not more than 14 days and that after 14 days by law they must return the payment to the sender. So we waited 14 days and then my boyfriend put another support ticket in to see why the funds were not returned to him. Today XX/XX/XXXX he spoke to a cash app rep XXXX who told him that since the payment was accepted he could not recieve his money back and that I would have to try to get the money from my account. I have been reaching out to cash app since XX/XX/XXXX trying to get my money. I am not able to get in my cash app to accept any payments nor cash out the balance in there. Once you recieved money from a sender you no longer have to accept the money it automatically deposits in your cash app. So being that this was not the first time he sent me money the {$500.00} would automatically be deposited in my account. I have a picture on my XX/XX/XXXXXXXX account I know the phone number associated with the account ( I just no longer have that phone number ) I have the same bank card and banking information from the account as well. Cash app is telling me that there is nothing they can do and I can not access my old account. Cash app is telling the sender there is nothing he can do to get the money back. So my {$500.00} is just sitting in the cash app platform and that is not acceptable. I need help accessing my money that was sent to me. I can verify anything you need to know. I have emails from me and the sender reaching out to cash app multiple times trying to get a resolution.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (CA)

I closed this account in XX/XX/XXXX after multiple refusals to allow me to change my payment method. There only was I was allowed to make payments on my loan was via my closed XXXX XXXX XXXX account. 

As of XX/XX/XXXX, they have continued to change information making it worse for my credit every time. 

I feel I should not have negative credit impact for an account I attempted to pay and was not allowed to. I've disputed this with all 3 credit agencies and they just take the company 's word over mine. 

I am listed as having derogatory payments and having my amount closed via settlement. AMD while these things are technically true, it was via fraud on the company 's part.
Consumer complaint received 2021-03-27
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: BARCLAYS BANK DELAWARE (FL)

In XX/XX/2021 I looked in my XXXX statement and saw that I had a charge of {$430.00}. I called the credit card company as I know for certain this is fraud. The credit cards were not activated and they were only used once when I opened the card and I never used the card again. My statements can show that. 
I called the company and they ran the investigation. After about a month I received a letter in the mail that the charges are accurate. I was upset and called them again to see who I can speak to as this CAN NOT be accepted. They ran another investigation which I did not request and freeze my account which is fine because I dont use the account at all but they will not dive further to see that I did not make this charge. I called the merchant and the parent company confirmed it is fraudulent but I have to run the investigation with specific merchant and they sent the email for me to do. I submitted the information to that specific merchant in XXXX and they said that I should check my email addresses to confirm the charges. I DO NOT and have not authorized nor submitted this charge and I dont understand why they are not able to help in removing the fraudulent charge!
Consumer complaint received 2021-03-29
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. (GA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2021-03-28
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. (PA)

XXXX XXXX  Accounts opened in the amounts of : {$2100.00} {$610.00} {$170.00} XXXX XXXX Accounts opened in the amounts of : {$450.00} {$300.00} {$150.00} XXXX XXXX Accounts opened in the amounts of : {$690.00} {$410.00} {$120.00} XXXX XXXX Accounts opened in the amounts of : {$900.00} XXXX XXXX XXXX Accounts opened in the amounts of : {$80.00} This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. Its has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Consumer complaint received 2021-03-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

I got this message from Amerisave, which convinced me to use them for our mortage. we had received pricing for a rate of 2.5 % with points cost of ~ {$5000.00}. 

" Technically, we do not lock your loan until a few weeks into the process. We lock it once we get all your documents back, and once we have gotten certain things from the title company. 
However, your pricing will not be any worse than when we initially move forward. When we lock, if the market is worse than what we initially moved forward with, we will give you a pricing concession to honor our original deal. If the market is better, that will be applied to your loan and you will get better pricing. 
So your pricing can only get better from the day we move forward, it can not get any worse. '' After 3 months of delaying our closing, we were told that to lock the rate of 2.5 %, we would need to pay {$33000.00}. Amerisave blatantly lied about giving us a pricing concession to honor our original deal.
Consumer complaint received 2021-03-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (SC)

There are over 40 collection account through XXXX, XXXX, and XXXX on my credit reports. I do not acknowledged I do not own any of these accounts. This company is not friendly very rude to customers and just very unprofessional. They refuse to verify validate the amounts old and its has been 6 months and they still have not responded. Please advise. The name of the company is Recievables Management Corporation XXXX XXXX XXXX, XXXX, SC XXXX.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

on XX/XX/2021 approx XXXX i called Capital one, because i notice Capital one was Manipulating Credit Card Payments and rearranging the transaction orders and purchase after i made on-time payments with my capital one credit card, i believe this was done intentionally to accrue over draft fees and other fees and to cause me to go over the {$200.00} credit limit. there were several instances in which i tried to make a payments and would receive pop up message that would say : " You can not schedule a payment for this account. 

Looks like you don't owe anything right now or you have pending payments that will cover everything you owe. 

Just so you know, you have to wait for pending purchases to post before you can pay them off. " I spoke with a male customer service rep for capital one and was told that i must have entered one wrong banking number of XXXX and that's why my payment didn't go through. I told him how could i entered the wrong banking number and you told me what bank i had. without me even mentioning what bank i had .... 

I expressed my concern because now it has my account in high credit and all my transactions i ; ve made with the capital one CC were declined and will cause major issues. 

the male employee from capital one requested that i give him my bank account number and routing number so he can enter it in the system himself for the amount of {$200.00} and told me if my payment method is declined again that capital one will shut down my account. 

Capital one system either has a glitch or this is a common practice used by Capital one to Manipulate Credit Card Payments with someone who is looking to reestablish and build credit and telling the card holder they've must have entered the wrong banking number to justify their fraudulent response. 

currently there are 8 returned payments in the amount of {$180.00}
Consumer complaint received 2021-03-28
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)

On XX/XX/XXXX I filed my initial dispute requesting for investigation and shows nothing was done. Then on XX/XX/XXXX sent another investigation sent in a request for investigation and if go pass 45 days threat to file a complaint and then 60 days request to file a complaint and still NO INVESTIGATION was performed. I am aware that due to the pandemic the bureaus have 60 days ; however it has surpassed that time. I am now requesting REMOVAL of the derogatory, inaccurate erroneous accounts immediately. Attached are letters from my initial dispute and the 45 day request and then the 60 request.
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (AZ)

I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX  XXXX XXXX last reported XX/XX/2021 in the amount of {$320.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both XXXX XXXX XXXX individually and have not received any reply back
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

have tried contacting all 3 credit bureaus as they are reporting my XXXX XX/XX/XXXX as dismissed/closed. This is not the case. Talked to Court today XX/XX/XXXX again, XXXX and talked to my XXXX attorney both said to contact credit bureaus again as they are reporting incorrect information. A letter was provided to me and sent to attorney, according to court records my plan has been completed. ( all creditors on plan were paid in full as agreed ) could not discharge due to within 4 years of XXXX XXXX. This statement is on the court letter, but XXXX was paid and completed. I sent a copy of court BK letter to creditors and all 3 credit bureaus ( XXXX, XXXX and Experian ) and still left incorrect information. Court says bureaus reporting wrong and to go back to credit bureaus. ( which I did ) no change. What this incorrect information causes my credit score to go back to XXXX from XXXX and all the creditors that were paid are now coming back for collections and charge offs. I have all original letters if needed.