davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (PA)

This has been harrowing since today ( XX/XX/2020 ). I've downloaded the app XXXX, and tried to get an advance on my next check, however the app isn't connecting through my bank ( PNC ) which makes it difficult to receive the advance. It'd really help if i could be able to connect those type of apps too my bank just as a cushion to help with further expenses.
Consumer complaint received 2020-06-17
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. (MS)

IM IN THE PROCESS OF BUYING A HOME. AS I WAS AT THE BANK THE LENDER TOLD ME THAT THE FIRST STEP WAS TO PULL MY CREDIT TO SEE WHAT TYPE OF LOAN I WAS ELIGABLE FOR. THE LENDER REVIEWED THE REPORT WITH ME AND FOUND ONE DEROGATORY ITEDM AND SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. THERE IS A CHILDSUPPORT REPORTED ON MY CREDIT AND IT SHOWS THAT THE ACCOUNT IS CLOSED AND PAID FOR BUT IS NOT MINE. PLEASE REMOVE THIS FRAUDULENT CLOSED ACCOUNT FROM MY REPORT AND INQUIRIES THAT I HAVE NEVER MADE AS SOON AS POSSIBLE
Consumer complaint received 2020-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I noticed a charge on my card from XX/XX/2020 for {$240.00}. I noticed it in XXXX and immediately called Capital one. I filed a dispute and receive a letter dated XX/XX/2020z the letter stated that the charge was not fraud because the card was used after the date I report it lost or stolen. The last transaction on my card account was the transaction in question. When I called to dispute the letter, I was told there was nothing that could be done because they did not find any fraud. I did not purchase anything after XX/XX/2020. I should not be held responsible for this charge. I feel like my credit card so pant let me down. I refuse to pay for something I did not purchase. Where do I go from here?
Consumer complaint received 2020-06-17
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. (MA)

Equifax has not resolved the incorrect late reporting of XX/XX/XXXX for mortgage account with XXXX XXXX XXXX. I have submitted an earlier investigation on XX/XX/XXXX with no change in reporting. I have just reopened another unnecessary investigation as XXXX has already acknowledged there was no late reporting on XX/XX/XXXX.
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I noticed a charge for {$2000.00} on my checking account on XX/XX/2020 and immediately called Bank of America to file a claim. I continued to call every three days to check in on my claim as I still had heard nothing back. The transaction was made to a XXXX company in New York. Neither me nor my husband have ever even been to New York or have ever made a transaction amounting to {$2000.00} on our debit cards or credit cards. BOA stated that since Iogged onto my online banking account ( when I checked my account and noticed the fradulant transaction ) that they denied my claim. I logged on and immediately noticed the fradulant transaction and made the claim, so this makes zero sense. It is now XX/XX/2020 and BOA has denied my claim and I have had to reopen it and now wait at least another two weeks in order to even possibly receive my money back. BOA is trying to state that I logged into my online banking account during the dates of XX/XX/2020 and XX/XX/2020 which is one reason why they denied my claim. I did not log into my account at all during those two days.
Consumer complaint received 2020-06-17
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. (CO)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$850.00} on the XXXX  XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) My out-of-pocket expenses, as well as my deductible was met. Any remaining expenses should have been covered by my insurance and because these expenses were covered there is no outstanding balance due and nothing to collect/chargeoff. ( I have attached a copy of ( 1 ) spreadsheet outlining all outgoing expenses ; ( 2 ) insurance card ; and ( 3 ) letter for XXXX  XXXX XXXX XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-06-18
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. (NJ)

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

The company is used to determine line of credit and their credit score model does not update. Since covid 19 there has been no updates to any ones score especially mines. This is a violation of our rights as consumers.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX
Consumer complaint received 2020-06-17
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: CORELOGIC INC (NC)

Fraudulent inquiry, illegal pull and use of credit report.XXXX reported that XXXXXXXX  pulled my credit back in XXXX. I did not apply for any credit with this company or give authorization to pull my credit. This was fraudulent activity which I promptly reported and requested deletion. To my surprise when I receive my credit report I see that XXXX inquiry and 3rd party information on my credit report. I want this fraudulent inquiry removed as well as supplemental 3rd party information removed. I also want to know how they got my SS # and information and where it come from. I want the written documentation it came from, digital files, or temples sources to file police reports and send to FTC. The email address the was previously provided is obviously not mine and a fake address. I demand all information related to this inquiry. I don't have accounts with XXXX which has already been verified and they where told to delete the fraudulent information off my report in a letter received. XXXX and XXXX should both be fined for there practices and fraudulent activity. Additional supporting documentation has been attached.
Consumer complaint received 2021-01-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMS-Recovery Management Services, Inc. (IL)

XX/XX/XXXX enrolled at Indiana University XX/XX/XXXX left Indiana University for financial reasons and they forgave most of the semester tuition except {$4200.00} I paid it down to {$3600.00} in XXXX and had to stop for financial reasons. 

Was placed with a collection agency Recovery Management Services XXXX XX/XX/XXXX paid {$3600.00} toward the {$3600.00} outstanding obligation to IU but was told I owed another {$1500.00} in collection fees? 

XX/XX/XXXX inquired about the fees and requested a statement from IU and discovered they only paid IU {$2500.00} and not what was owed and have a seperate line item for collection fees of {$460.00}. I inquired with them why they only applied {$2500.00} and not what I had paid and they said it doesn't matter what the statement said, I owe the {$1500.00}. I offered to pay the {$460.00} and they said I would still owe the balance ... i refused help..these collection agencies are criminal
Consumer complaint received 2022-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (TN)

I took out a loan with Greensky in XX/XX/2019 in the amount of {$56000.00} for a construction project. After 29 months of consistent payments the balance is only down to {$46000.00}. My payments each month are {$880.00}. The merchant that originally connected me with Greensky told me the interest rate was 9.99 %, but 50 % or more of my payments are going toward interest and not principal. According to their site, I have now paid {$11000.00} in interest and only {$9700.00} in principal. Clearly that is not 9.99 %. If I had a clear understanding of how this loan was going to work, there is no way I would have agreed to this. I was mislead by Greensky as well as the merchent that connected me to them.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (WI)

I placed an order online using my Asscociated Bank Master Card Debit Card for my checking account on XXXX XXXX 2021, Never received items and filed a dispute with the bank XX/XX/2021, Supplied copy of a letter from the XXXX XXXX XXXX in XXXX, Delaware showing that they found the company closed down, along with other complaints from people with the same problem, I also gave copies from XX/XX/XXXX of an email showing that they havent sent item yet, along with several pages of similar compalint from many people. Tried contacting the Company thru email since that as the only option on the website, and never received response, Associated Bank denied my dispute because they said the company shipped my items on XXXX, XXXX, 2021 with NO PROOF of shipping info, ( tracking number, shipping receipt ), Bank didnt bother to look at the 14 pages of Compelling information showing that the company was a scam, file a complaint and they refuse to revisit the complaint I filed with them, The bank has the worse customer service and the fraud investigation company does not have the customers best interest in mind, Would like the bank to investigate and look at the documents I gave them showing the items did not get shipped on date the scam company says it was
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

Target red card refuse to update balance on my credit report! Claiming theyre unable to change!! Im on a payment plan! I Try to make a phone payment on XX/XX/20 and XX/XX/20 but the service unavailable due to the holidays!! Made it a payment on XX/XX/20 ( no store branches in my town ). That shouldnt be reported late!! Because the payment was made it next business day!! And they need to update the balance of two billing cycles!!
Consumer complaint received 2022-01-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Account 1 : WORLD FINANCE, BALANCE {$1400.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 2 : WORLD FINANCE, BALANCE {$530.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 3 : DEPARTMENT OF EDUCATIONXXXX, BALANCE {$320000.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 4 : DEPARTMENT OF EDUCATIONXXXX, BALANCE {$0.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 5 : XXXX XXXX, BALANCE {$2500.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 5 : XXXX XXXX, BALANCE {$9000.00}, there was no action taken by Transunion within 30 days after dispute was initiated.
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing is the third mortgage loan servicer servicing the mortgage loan secured by a condo unit that was owned by my late mother. One of my siblings prevented me from starting the probate process earlier, nevertheless, I continued making all the payments, but when Specialized took over, they stopped accepting my payments, and the real estate taxes included in the escrow were not paid to the county, placing a lien on the property, that was later paid by Specialized. There was not any type of communication from Specialized explaining what they had just done, nor what were the repercussions, and not even what happens next.
Consumer complaint received 2022-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MA)

Referring to pervious complaint # XXXX This is a new complaint following up on the commitment made by Cash App in regards to recovering a missing deposit of {$750.00}.

The company stated that resolution could take 2-3 weeks from XX/XX/2021. 
It has now been 27 days and they have not resolved my missing deposit of {$750.00}. 

I do have some additional information regarding the missing money : - XXXX XXXX confirmed the ACH to Cash App ( Square inc, ) on XX/XX/2021 and provided their phone number ( XXXX ) and the trace ID ( XXXX ) - They also provided the company ID where the reversal initiated ( XXXX ) - They said the {$750.00} went to Square inc and provided the phone number of XXXX. When I called that number, a Square inc. representative told me the money went to Cash App, which is a different division of Square inc., and that she couldn't give me their number.

It has been over a month and Cash App / Square Inc. refuses to acknowledge and return my {$750.00}.
Consumer complaint received 2020-06-17
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. (NY)

Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX   XXXX on my Credit Report with XXXX, XXXX, and Transunion. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law. XXXX, XXXX, and Transunion are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? XXXX, XXXX, and Transunion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore XXXX, XXXX, and Transunion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to. XXXX, XXXX, and Transunion failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

on XX/XX/XXXX, i sent a merchant ( XXXX XXXX ) {$65.00} on cash app for goods that he would deliver to my place. after a few messages, he says he would refund because i asked for the refund. he complied and said he would send it. waited for 2-3 days until he blocks me and never refunded my money. ive contacted my bank and Cash App about the situation but they didnt do anything to solve the issue. they also told me to contact the person to refund me but, again, they blocked me so i can not contact them at all.
Consumer complaint received 2020-05-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MI)

My mortgage began the latter part of XX/XX/XXXX, with first payment due to XXXX   XXXX XXXX ( XXXX ) on XX/XX/XXXX. This payment was made before XX/XX/XXXX ( see attached document ). Mortgage was then soon sold to Home Point Financial ( HPF ). HPF said that they didn't receive the XX/XX/XXXX. payment from XXXX, and has had me showing as late since that time. XXXX   sent me documentation via email that I had, indeed, paid the XX/XX/XXXX. payment ( again, ( see attached document ), and verified that that payment was sent to HPF. I explained this to HPF, who said that they don't see it and that there's a 30 day grace period for such matters. I was told that their online payment system would not accept any current month 's payments, only the " past due '' month 's payments. So XX/XX/XXXX rolls around, I make a payment just mentioned to HPF ( see attached document ). Instead of a payment for XX/XX/XXXX, it shows as being for XX/XX/XXXX. XX/XX/XXXX comes, and I make another payment to HPF ( see attached document ) and again address the issue. Again, same story from them, my payment only applied for XX/XX/XXXX. I explained that I have proof of payment, and was told that that doesn't matter, they don't see the payment in their system. In late XX/XX/XXXX I get a letter from HPF that I'm past due and they tacked on a {$42.00} late fee. On XX/XX/XXXX I go in to my online HPF account to make a XX/XX/XXXX payment and there's no link to make such a payment and it says that I am 29 days past due and late charges ( see attached document, " HPF Page 1 '' jpg ). I don't know what to do, outside of getting an attorney. I've discussed this matter  with HPF about 4 times and sent an email today regarding this issue. Has my credit and character been negatively affected? Is HPF anti-veteran, or do they just choose to financially abuse veterans in this manner? NOTE : Mortgage company address may be incorrect as they have 5 addresses.
Consumer complaint received 2020-04-30
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: LEXISNEXIS (GA)

We previously had Auto insurance with XXXX and left them due to their discriminatory practices with taking advantage of XXXX XXXX Americans and U. S. Veterans. We are now being retaliated against regarding their falsified claims for Home Insurance claims they have been reporting to Lexis Nexis and impacting us negatively when attempting to shop around for new Home Owners Insurance. XXXX never paid a claim out for the Home Insurance Claims which we did not file as a claim. We only called them during a major Torando or Wind occurence in GA to inquire and just only view our home. However, we did not file 4 Claims and one is also a duplicate on the same day! Also, when I spoke to Lexis Nexis on XX/XX/XXXX, I was informed that these were not Valid Claims because there were No Payouts on them. Therefore, the following Home Claims should not be reported on our XXXX XXXX Report to further Oppress and Suppress XXXX XXXX-Americans from obtaining lower and competitive Home Owners Insurance : 1. XXXX - Home Claim XXXX Reported on XXXX XXXX, XXXX 2. XXXX - Home Claim XXXX Reported on XXXX XXXX, XXXX 3. XXXX - Home Claim XXXX Reported on XX/XX/XXXX 4. XXXX - DUPLICATE Home Claim XXXX Reported on XX/XX/XXXX This is a direct form of Discriminatory Practices which XXXX has exemplified against us by utilizing Lexis Nexis to report negative and False claims to retailiate and oppress us from obtaining Home Owners Insurance! They need to be reported to SEC and FTC for their illegal practices as well!
Consumer complaint received 2021-01-12
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 been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!