davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

On XXXX XX/XX/2021, XXXX sent an email on a closed account over the weekend, a tactic and form of harassment, the object is send something that the costumer can't respond to while he/she is trying to enjoy the weekend. They are claiming a debt that is not there and want me the clear it up over the weekend. ( answer to your question why I choose to deal with it on the weekend? To stop them send it on the weekend. Are you saying I should be forgiving over the weekend. Even if they can reach out to me at XXXX XXXX  Saturday mourning, XXXX XXXX  Saturday mourning or those times on Sunday and that is ok just wait to Monday ) ( Your 2nd arugument is to just block or delete, the answer to that is think of their message as XXXX they send it, I delete it, but I or my children still saw it, so what good is it to do that ). To restate they send and asking me questions on a closed account and I see that as harassment. This is the 1st step legal is next.
Consumer complaint received 2021-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I disputed a debt appearing on my TransUnion report in the amount of {$1200.00}. As of today, no action has been taken. The dispute process has not been completed, and it was initiated on XX/XX/2021 with the estimated completion date as XX/XX/2021. I have now waited almost a week extra beyond the anticipated completion date with no results. This is making it where I can not file additional disputes regarding other inaccurate information reported for which I have gathered appropriate documentation to dispute.
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (IL)

I did not purchase Air line tickets from XXXX XXXX XXXX XXXX a phony travel agency for {$580.00}. 

My US BANK Account ending XXXX was charged. I disputed it with U.S. Bank see attached XX/XX/2021 document. 

In a boiler plate letter dated XX/XX/2021 from US Bank stating that " After reviewing the information that has been supplied, we have determined that we are unable to assist you in resolving your dispute. 
Unfortunately, you did not cancel the merchandise prior to the date of the transaction. '' My dispute had nothing to do with merchandise. The dispute was based upon a fraudulent air line ticket charge to my U.S. Bank Card ending XXXX. I did not order the airline tickets for {$580.00}.
Consumer complaint received 2021-07-25
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (LA)

On a good will request, please remove the late payments affiliated with account # XXXX understand how paying on time affects my account and went through bad times in my life, which we all go through. I am a current on time paying customer with your bank and would consider continuing my experience with yall if this good will request is accepted. Verification PDF 's are attached to confirm my identity
Consumer complaint received 2023-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 

These accounts have incorrect address on file on my credit report. I will attach utility bill showing my correct address.
Consumer complaint received 2021-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/XXXX i submitted a dispute to Transunion and XXXX  disagreeing with the validity of a bankruptcy on my account. I sent letters and have not received any notice of any findings with in thirty days which is a violation of the fair credit reporting act.

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. what i used to dispute this information on my report
Consumer complaint received 2021-07-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (NJ)

Applied and approved for a bank statement loan to refinance my home. They approved the loan locked the rate at 3 % for a XXXX XXXX. and got an appraisal. On Friday, they told me that I will get the closing date, that never happened, instead, on Monday they called me to tell me that they had an issue in the system and they had mistakenly gave me the rate for conventional loan, for which I cant currently qualify. If I want to proceed, the rate will be 4 %. 

This is a classic bait and switch, and flat out scam. I have documentation to support this. 

Im asking you to suspend their license so that they cant harm other people. 

Thanks R
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX I paid my balance in full so I could make a new purchase due to an issue with another furniture retailer. The next day my full balance was not made available to me. When I called I was transferred a few times before I could even speak to someone in US, which I had to specifically ask for. Once finally speaking to someone in the US ( XXXX XXXX XXXX )  explained they can not remove a 10 day hold on a payment for new accounts for the first 6 months. I said that wasnt a fair policy and would like to speak to manager and she said it was in my terms and conditions I signed and she was a manager. I asked to speak to her manager and I was told Id have to wait 24-72 hours which defeated the purpose of making the purchase the same day. Additionally she told me that no one at the company could override their policy. XXXX continued to be rude and combative all while denying she was being disrespectful and in fact then insulted me. Im XXXX and just needed a new bed frame right away given we had several issues with another furniture retailer so, we had no bed for 2 weeks and Mattress Firm was willing to help us and ship next day but, Synchrony Bank wouldnt allow my payment hold to be lifted. My account was paid in full and this seems like an unfair and deceptive practice. I asked to lodge a Presidential complaint and XXXX told me she could give me an address to write a letter and when I asked for an email address to send my complaint about the whole interaction she said they dont have one. I cant believe a bank would operate in this horrendous way and not try to help its customers, especially during these trying times.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/2017, I was unable to temporarily lift my EQUIFAX credit freeze via my landline phone. Their automated system required a cell number ; I do not have a cell phone. I then spent hours on the phone with Agents in the XXXX. They instructed me to open an online account ; no, I will not trust them with an electronic account. I answered their questions : Name plus spelled ; Social Security number ; Address plus spelled ; Date of birth ; Phone number. First they said their system was down, and to phone back in a couple of hours. Then I answered the same questions again in subsequent calls, while struggling to understand their geographical accents ( I am hard of hearing ). They no longer use the PIN they generated when the freeze was placed. I was finally told they could NOT temporarily lift my freeze unless I mail them copies, from California to Georgia, of my ID and driver license with a cover letter. Then wait three business days after their receipt of slower, coast-to-coast U.S. Mail. The Federal Trade Commission ( FTC ) specifies, " If you request a lift of the freeze, the agency must lift it within one hour. '' There is no stipulation that one must have a cell phone. And it was easy to immediately implement temporary lifts at the other two agencies, via landline phone with my PINs.
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (CA)

I tried to send AMEX a letter last XX/XX/2021 asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which AMEX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information.

I never received any response from them and they did not update the credit report as disputed.

AMEX is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA, CCRAA and XXXX FDCPA.

I have attached a copy of CFPB Mandate on Removing Items on Credit Report.
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I setup the escrow account when I bought home in XXXX. After one year later, my first mortgage company sold my mortgage package to a new company named DOVENMUEHLE mortgage from XX/XX/XXXX. From XXXX to XXXX, they paid all tax just on time ( three separated bills ). But at the end of XXXX, they refused to pay my mud tax even my mud tax department send them the bills three times. So my mud tax department directly bill to my home. I called the Dovenmuehle mortgage first time, they said they will take care of everything and let me no worry about it. But after two weeks later, when I called them back, they said they refused to pay it because they only pay the county tax. I told them my tax was separated into two bills by the county and you have to pay separately. 

Then I called them the third time, another lady promised me to pay the bill soon and they want me to send them the scan of the delinquent bill, I sent them bill several times. But after two weeks when I called them back, they said they can not pay the mud tax because they only pay the county tax.

So I setup an conference call between my mud department and my mortgage company to explain the bill to my mortgage company. My mortgage company again to promised to pay the mud tax in a month. But when I checked it at the end of that month. They sent the check to the wrong address. Actually, they have all correct information on delinquent bill. 

Today I called them again to ask why my mud bill still due for the payment. They said they removed my case, I asked them why? They first even didn't know that happened, but after I was yelling to them, they finally explained to me, the check was refused. So I told them please check the correct address on the delinquent bill. Hopefully, this time they will pay it. 

I asked all my friends and some other mortgage companies. They all said the separated bill is so normal in the escrow account. I totally don't understand why this company don't have this even common sense. 

I called my mortgage company from XX/XX/XXXX to the end of XX/XX/XXXX more than XXXX times and I was so disappointed with this mortgage company. But so far, they still didn't pay the bill.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FirstPoint Collection Resources (NC)

I paid off my collection at First Point Collections in XXXX North Carolina in XXXX of 2020, shortly after I found out it existed. Only to find out a year later it is still on my credit as paid and not deleted. I have called several times and have been told that the manger is on vacation and only he can delete these items. When the manager returned my items still havent been deleted. I have been given the run around over and over again. I did my part by paying my debt I just want them to do there part and have it deleted from my credit report.
Consumer complaint received 2023-06-08
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. (LA)

I was trying to buy a house and I realizes that I had damage on my credit reporting according to the 15 USC 1681S-2 ( F ) reporting information during COVID-19 pandemic accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contact, or any assistance or relief granted to consumer who affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. Covered period ended on XX/XX/XXXX you have 120 days after XXXX XXXX. 

Please fully verify the information below. They have been marked as late. Please remove any inaccurate information from my credit report as quickly as possible. Here are the items that I am requesting a verification of Creditor Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE ALL EXTRA NAMES ON MY CREDIT REPORT MY NAME SHOULD READ XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

DUE to Covid-19 and for NO other reason, I got behind on all of my mortgage. I am in California and our wonderful Governor made an annoucement to allow renters not to pay their rent. My income is from XXXX  at two schools, college students who XXXX XXXX from me and my XXXX  income. 

With the above said, I was hit hard. The schools I was XXXX at closed, my XXXX moved home and my XXXX stopped paying XXXX. 

With my XXXX properties, the lenders have worked with me very well and I received payment plans. These lenders put the back money owed on the back of the loans and payments will be startingin XXXX. This was done with a simple telephone conversation and very easy. 

With SPServicing, unfortunitely, I have the home I live in and an additonal XXXX  property. 

Spservicing has a website one has to use to apply for help. The website in the past has, kicked me out, not saved my information and their " required '' information takes hours to fill out. Keeping in mind this is the home I live in and purchased in the late 1980 's. I owe them around {$220000.00} on a home worth over {$850000.00}. I have spent hours on the phone with their customer " service '' people and one time I was on the call for over 4 hours, spending an additional 3.5 hours filling out the form, then was kicked off with non of the information saved!

It is odd to me, that the other two lenders could give me the covid-19 help with a simple phone call and Zero paperwork, zero hasle, zero computer time. Yet, the home I live in seems to be impossible. In fact, I just got off the phone with SPServicing and was directed again to their website. This time however when I got kicked off it magically saved my information. Also, the gal I spoke to today said nothing shows as submitted when i have submitted several times. All I want is what the other serviceswere able to give me, which allows me to keep my home.
Consumer complaint received 2021-07-24
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. (IL)

IN 2018 THEIR WAS OVER XXXX XXXX DOLLERS AND XXXX XXXX DOLLERS OF UNAUTHERIZED CHARGES MADE ON MY TWO XXXX XXXX XXXX CARDS MADE POLICE REPORT AND FTC REPORT
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AppFolio, Inc. (FL)

On XX/XX/year>, I applied for housing and was informed that my application was denied due to negative information on my credit report. AppFolio background check negatively impacted my application for housing The Equal Credit Opportunity Act prohibits creditors from discrimination. The background check contained inaccuracies and outdated information which is conducted improperly and is a violation of my rights using inaccurate information. I request that it be corrected and that my application be reconsidered. Thanks for you attention to this matter.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sent a letter to TransUnion stating that they had violated 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining, money property, labor, or services on credit card. Notice, XXXX said Any card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transition below. I have attached the dispute letter I sent to TransUnion. 
I would like to also add the File Number for this dispute is XXXX.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc. (AZ)

Received email that I owe debt to XXXX bank however NAR collections contacted me with bank statements that is not enough information to prove supposed debt is mine. They dont have my social security information nor a signature from me ever owning this debt. Statements are not enough proof! I sent notice today XXXX24 to validate debt as statements are not enough and also i dont owe this debt. Thr attached docs only show transactions and not my signature on ever having ownership of XXXX  account. Bank statements are the only proof they have provided and lacks ownership as i did not sign for this account. I will continue to submit disputes every 30 days until collection attempts stop
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Upgrade, Inc. (DE)

I have been contacting Upgrade Card to remove me from their mailing list. I use their contact us feature on their webpage as well as XXXX. They never respond at all. I get 3 mail pieces from them awake and at this point I consider them violating Do Not Solicit Laws.
Consumer complaint received 2021-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NY)

1. ) Cash app permits and fosters unauthorized fraudulent transaction via unauthorized access to checking accounts and uncontrolled access via unauthorized debit card transactions by failing to adhere to banking standards which standards require active monitoring of transactions and restricting merchant transactions when abuse or unauthorized transaction history calls for the same. Cash App knowingly has allowed more than a 7 or 8 transactions from merchants with the intent to defraud. Cash App does not refund these losses and probably even gets a cut of the contrived losses as likely arranged with suspect merchants with which Cash App is likely working with, again to contrive losses, split the collected customer losses to boost their bottom line.

2. ) Cash app hid the underlying complaint ( see attached which dealt directly with fraud ). Cash App routinely does this to hide civil and criminal wrongdoing.

3. ) Without a doubt I believe CasApp knows about and enables money laundering and other financial crimes through its relationship with the judiciary in California, who access Cash app systems via known holes in third party " customer support '' and " technical support '' systems i.e XXXX and others, whereas such individuals access these systems and whitewash compliants to protect Cash App for which such individuals are afforded favors and cash from Cash app.