davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Certegy Holdings, LLC (NY)

On XX/XX/2019 an unauthorized debit was made to our checking account in the amount of {$8500.00} The only information I have is that it was a credit card payment by phine to a company named Certegy Check Services telephone # XXXX I tried reaching out to company and no one picks up phone or returns my calls when messages are left. My bank which is XXXX tells me there is nothing they can do. This is very frustrating because it may just be a matter of someone entering wrong account number but I can't seem to get any information at all. 
This is a business checking account
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XX/XX/19 you helped us before and you won for us now the mortgage company is playing games again! we got them to take our side and give us the modification it was due by XX/XX/2019 signed by my husband we had it notarized by our bank and was sent back! didnt hear back from sls so i called them and the modification said it was denied!!!! i asked why and he said because the nortary forgot to sign a line he said it happens all the time so if i didnt call sls we would have never known! so they emailed a new package to be signed again by a notary we did that and sent it over night like we were told to do! we have the tracking number so they couldnt play games! sls said they recieved it on XX/XX/19 and it will be esculated and to go ahead and start making your new payment! we didnt make the payment for a couple of days my husband wanted me to call back and see if everything is okay still thank god i did because now there saying it was a faxed copy not the email one which is a lie because we sent it over night and have the tracking nukmber we are getting differrent stories from different people please help us we just want our modification signed and stamped by sls so we can get on with our payments and not be scared thank you XXXX and XXXX XXXX
Consumer complaint received 2019-09-02
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)

To whom it may concern, I am looking at my XXXX XXXX and it says I have a hard pull from XXXX made on XX/XX/2019. From looking through my credits i got a card with them on XX/XX/XXXX but not an additional one on XX/XX/XXXX. Unsure as to why this information is on my report. I am asking for the XX/XX/2019 hard pull be removed as I never signed anything with that bank for them to run my credit file again. It is appearing on my EQUIFAX report. I just want all, my credits to appear accurate and hopefully this can resolved I understand mistakes happen and just looking to fix my credit report.
Consumer complaint received 2019-09-02
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. (AZ)

The following account # : XXXX is a fraudulent account and is not my account. The account is from identity theft. I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, XXXX and death from XXXX XXXX XXXX XXXX, The XXXX XXXXXXXX XXXX XXXX XXXX in regards to the above fraudulent account, which is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.
Consumer complaint received 2019-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019, I transfer through XXXX {$1300.00} to another Bank of America account individual. The transfer showed successful but funds never appeared to the individual account. The first time I contacted the bank, the representative said that they would investigate the transaction. After the investigation was completed, they said the transfer was not successful because an e-mail was not present. Which, is a lie because on previous dates, I had sent money to the same account, under the same email. As you will be able to see in the following attachments. The agent continue to explain this was the reason the investigator had denied the funds back. I continue to argue the point that this was impossible due to previous transactions, the bank agent agree, but informed me she was unable to do anything due to the report from the investigator. She submitted the claim again, and the investigator denied it because now he said the funds were received and the account statements of the individual shows no such transaction and my account shows deducted. The last argument from the investigator was that the funds were received by another individual. Which is also impossible since the email confirmation was sent to the individual. How are these funds going to be somewhere else or lost when the information was correct. Since, I heard so much commotion about similar issues to this with Bank of America, I decided to go to XXXX to see if they could assist. Gladly, one of their agents gave me this website.
Consumer complaint received 2019-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have paid the debt with the original credit with XXXX/XXXX service. I paid in full and I reported this to the credit reporting companies. I am unable to provide to my family a home to live due to this continue reporting on my credit. I have ask several times and never the issue is been resolved. XXXX does not comply with my requests and is hurting my family and my personal credit at this point. I am requesting once again to please remove this collection that is paid off.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

I purchased a $XXXX bed from a local furniture store. They offered a card with zero interest for 1.5 years and then it would convert to a high interest. What I experienced after the 1.5 interest free period is 1) not clear or not disclosed at the opening of the card or while paying on the account 2) is INSANE interest, back interest (that wasn't disclosed) as well as a DAILY compounding interest moving forward (also not disclosed). The second the 1.5 year interest free period was up...WHAT I EXPECTED: Interest would increase to very high, like around 25%.WHAT ACTUALLY HAPPENED: (1) BACK FEES in the amount of $XXXX   applied, essentially charging interest for the 1.5 years that it was interest free.     (#2) a DAILY Compounding Interest rate of 30%. In talking to the phone agent...if I paid the minimum balance on that card, I would have seen nearly $10k in interest added to this account in just the first 12 months after the 1.5 interest free period was over.What this means is on the original $XXXX bed purchased that was to be interest free for 1.5 years at 1.5 years and 1 month the amount owed including their back interest was $XXXX and if I would have paid the minimum for 12 months then at the 2 year and 6 month mark with the added DAILY COMPOUNDING RATE the amount owed would be roughly ($XXXX   original purchase + $XXXX back interest + $XXXX for the 30% DAILY COMPOUNDING RATE = $XXXX!!)DO NOT GET A LOAN with Brandsource for any furniture and if you do you should be SURE to pay it 100% off at least a month before the interest kicks in.
Consumer complaint received 2019-08-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I refinanced my mortgage with Fifth Third bank through the XXXX XXXX XXXX XXXX on XX/XX/XXXX and closed on XX/XX/XXXX. XXXX sent the payoff check to Fifth Third bank immediately after closing. Fifth Third Bank continued to contact me, I explained to them that I refinanced with XXXX and I was already making mortgage payments to my new bank. I know someone at Fifth Third bank received the XXXX check because I confirmed with them on XX/XX/XXXX and they stated they had just received the check. But the calls for collections continued, I repeated to them that I refinance, they asked questions as if it was the first time knowing of this. We had a conference call with Fifth Third and XXXX and we confirmed we had the correct info for the XXXX payoff check and it was exactly the same as the first time that it was sent out. The payoff check had to be re-sent for the 2nd time. During all this time they have been reporting late payments to my account and my credit score went from " excellent '' to " needs work ''. 
Please help
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Identity theft XX/XX/2011. Never been able to get credit report on annual due to not being able to verify my identity. 

Learned tonight, after 3 hours waiting for Equifax to answer, I was advised there is an EXTENDED on my Equifax.

Now, apparently id theft has happened with Equifax. Someone submitted documents to Equifax. Now there is someone tampering with my Equifax report and that is identity theft.

I requested copies of the paperwork that was obtained to of made the alert possible.

I was told I am not allowed to have the information. I am completely locked out of my account and not able to monitor.

Equifax, is not working with me ; yet against me. Should not credit bureaus be working with victims of ID theft?

They made it difficult, and after 3 hours back to square one. Phone disconnected and none of my concerns or actions necessary to protect myself are possible.

I am concerned with the way they identified me. They asked questions that anyone could answer. Of course because someone used the info to add the extended.

I asked her to verify my calling me or texting. I feel safer and its a good tool. I was told they are unable to do that.

Equifax is part of the problem and if they dont cooperate ; what can I do? Submit a complaint to CFPB in which they never acknowledge any of my complaints.

Equifax needs to change their policies to ensure there are extra steps of getting a consumer verified other than asking questions, that someone has from ID theft.

The entire waste of time, without any resolution, and still locked out.

How do I get around this which, should not be difficult in the first place and what reasons are they unable to send a code to our phones and we verify.

The only option they offer, is an email to click a link and emails do not always get delivered quick. I was told to wait an hour, I accept that.

Why would they not take extra secure measures to verify my identity? It is already been established ; someone submitted a copy of my social security, proof of address, and other documents they require for an extended. Am I the XX/XX/XXXX consumer who finds many holes in this process that does nothing for protecting and verifying my identity.

Lastly, if you require further information, how do you communicate with the person filing a complaint? Is there a portal or account options so consumers may have access to reports submitted?

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2019-08-22
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: EQUIFAX, INC. (OH)

Hi - I have requested the CRA 's to removal unrecognized inquires from my credit report. I have even sent letters directly to the companies listed and none have been removed. This effecting my credit score and causing me issue when obtain credit. 

These inquiries were pulled without my permission the credit agencies are not doing anything about neither is the data furnisher. I have requested them to prove I have provided them permission to pulled my credit and they have yet to do so. It have been over 35 days of me requesting this information. 

I will file suit if the issue is not addressed. I have attached all of the certified letters sent directly to the company and the credit agencys as they have not done any type of investigation. Please take action!
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

Mobile money application Cashapp is holding my {$500.00} based on a claim that was filed through my XXXX XXXX XXXX account on the date of XX/XX/2020. The claim has been closed on both parties and XXXX XXXX has stated that they released the funds to them on XX/XX/XXXX. CashApp has frozen my account because of this claim and I have tried contacting them to either unfreeze or check if there are {$500.00} pending to be released to me but they have not responded. Both parties banks have confirmed that the money is now in limbo and we would just like that money returned to the original senders account. Also, Cashapp had stated that a refund would take place and it obviously was not.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

A disputable move-out charge of {$950.00} has been placed on my credit file as an unpaid rent. My rent was never late, and I did not owe rent to XXXX XXXX XXXX. North Carolina Consumer office has determined that the move-out charges are disputable and resolution could be through mediation or small amount court settlement, but management of XXXX XXXX XXXX,  without any written notice to me, submitted my personal information to XXXX debt collectors, which filed the incorrect information on my credit. I disputed the information, and XXXX deleted the information from my file. Equifax however has refused to delete this disputable charges from my file. The derogatory information has caused my creditors XXXX XXXX  XXXX and XXXX XXXX creditors, to reduce my credit limit by 30 to 50 %.
Consumer complaint received 2019-08-22
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)

I have incorrect information on my credit file as a result of identity theft : XXXX NEGATIVE ACCOUNTS : - XXXX XXXX - XXXX  - XX/XX/XXXX - {$2500.00} COLLECTIONS : NONE INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX NEGATIVE ACCOUNTS : - XXXX XXXX/XXXX - XXXX - XX/XX/XXXX - {$2500.00} COLLECTIONS : NONE INQUIRIES : - XXXX XXXX XX/XX/XXXX - XXXX XXXX   XX/XX/XXXX XXXX COLLECTIONS : INQUIRIES :
Consumer complaint received 2019-08-22
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: I.C. System, Inc. (IL)

theirs a creditor I C Systems on my credit report that i had to get credit repairs to remove i was a victim of identity theft that is why this item was removed from my report before this is not mines
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (NY)

I qualified for the Pave The Wage Promotion with Moneylion, opening an account at the end of XX/XX/XXXX and making direct deposits of greater than {$3000.00} every two weeks starting XX/XX/XXXX. I was supposed to get {$590.00} after 90 days for maintaining that direct deposit, but have not received anything and no resolution from customer support despite multiple attempts.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Dear CFPB : I received a NOTICE OF DATA BREACH from Capital One dated XX/XX/2019. 

On XX/XX/2019, Capital One learned there was a data breach and unauthorized access of its systems and customers personal identifiable information. In the letter, Capital One noted that my Social Security was one of 140,000 numbers stolen because of Capital Ones faulty security systems : In addition, for a subset of these consumers, about 140,000 Social Security numbers and 80,000 linked bank account numbers were obtained. We are sorry that your Social Security number was one of the 140,000 obtained. 

Capital One offered two years of credit monitoring and identity protection with XXXX. This compensation is not commensurate with the damage done. My Social Security is now, forever, in the hands of a party that should not have it. This is permanent, irreparable damage. 

As such, on XX/XX/2019 I called Capital One, the number on the NOTICE OF DATA BREACH ( XXXX ) to learn what recourse I had to obtain additional compensation. The customer support agent indicated she could not offer additional compensation, that whatever the NOTICE OF DATA BREACH stated was the only compensation Capital One could offer ( that is, the two years of credit monitoring and identity protection with XXXX ). 

I asked to speak with a supervisor. The customer support agent escalated the issue to her supervisor. 

The supervisor called me back a few minutes later. And I asked what recourse I had to obtain additional compensation because the two years of credit monitoring and identity protection with XXXX is grossly inadequate. 

The supervisor reiterated the same as the previous customer support agent, that she could not offer additional compensation. And suggested that Capital One is working on it, that there might be additional compensation down the line, and that Capital One will be in touch with me. 

I asked to file a formal complaint through Capital Ones complaint system. The supervisor confirmed she filed a Tier 2 complaint. The complaint being : My personal identifiable information was stolen from Capital Ones systems, including my Social Security number, due to Capital Ones weak security systems And that Capital Ones offered compensation for this data breach is not sufficient. 

Thank you.
Consumer complaint received 2019-08-22
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: EQUIFAX, INC. (HI)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : 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 and XXXX
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (FL)

I had activated a card on XX/XX/2019. My wallet was stolen, and took some time for me to get it back ( after filing a police report. 
Once I got the card, I noticed it expired XX/XX/2019. That is 6 months after being given the card. It has a {$210.00} balance. I tried using the card XX/XX/2019. 1 day after expiration. I looked at CFPB and it stipulates these cards must be good for 5 years. This is 5 months time passing between receiving card, and so called expiration. I called the company and asked for a settlement, or a replacement card. They said no. They have literally taken {$210.00} from me, 5 months after it was issued, a new dad who can not afford to have {$210.00} just stolen away!
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (MA)

on XX/XX/2019, an attorney that represented Midland Mortgage was send to tell me that the bank was filing a foreclosure on my resident. I reached out to the bank to apply for a repayment plan. I emailed and faxed to midland mortgage my application. I reach out to the a week later, they said they never received my application. so i send it again. For two weeks, I have been reaching out to them. I have spoken to 10 plus representative and a manager they claim was a lost mitigation manager and he was a collection person. I have not spoke to ANYONE from LOST MITIGATION. Every time I tried to talked to that department, Midland Reps. stated " they can't be reach or there's no way of calling them ''. 
On XX/XX/2019, XXXX bank wanted a quit claim from me which I email and faxed to them on XX/XX/19. On XX/XX/XXXX, i called and they said I was denied for a repayment plain because my net income was not high enough which I found was weird cause during the same week they asked me for a divorce decree. My net income is {$7100.00}. I spoke to a manager and he told me to send {$6000.00} in and see if they would put the {$5000.00} attorney fees toward the back end and send in my child support doc.. I called on XX/XX/XXXX, I spoke to another rep. who said that they need a letter from Massachusetts saying I was getting child support. I am so confused on how they can denied a claim in 2 days and no one single person from lost mitigation representative is assign to it where I can talk to them instead of 10 plus people from different dept. etc. customer service and collection but I have not spoken to Anyone from lost mitigation. I have called every other day and spoken to so many people that is not from that department who have given me no answers to question I ask or wrong answer. I would like to have the CFPB help me find a solution with this mortgage company since I feel they are not even working on it and just denying a chance for a repayment since I only owe {$11000.00} which part of that is attorneys fee. I can make a {$6000.00} payment on tuesday XX/XX/19.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

On my experian credit report /open new credit card/loan, account type new, balance XXXX XXXX open date XX/XX/2019 XXXX XXXX XXXX XXXX I dont recognize this account.
Consumer complaint received 2022-03-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.