davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Any bank or card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive payments. Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds. 


Reference ID : XXXX
Consumer complaint received 2021-04-19
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: United Revenue Corporation (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX ... UNITED REVENUE CORP ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (FL)

Westlake financial is taking advantage of consumers. My account is with the law office of XXXX and XXXX. So why us Westlake still reporting my account to the credit bureaus. This is illegal. I called Westlake and asked to have my account removed from XXXX and XXXX which is my previous employment. I no longer work there but now I'm humiliated Because they are taking me to court.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

I engaged in refinancing my mortgage with Amerisave Mortgage. I was promised {$2000.00} in lender credits at the onset which I have written confirmation. There was also a long drawn out issue with the rate and points I was guaranteed, again, I have this in writing. Amerisave made good on what I was promised regarding the rate and points after many conversations with supervisors at Amerisave but they did not honor the {$2000.00} in lender credits.
Consumer complaint received 2021-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (TX)

I am a victim of identity theft since early XXXX as I have received a number of bank accounts opened in my name with only some of my information matching but phone number and e-mail addresses not matching. 
Square/Cash App is one of these accounts that were fraudulently opened using much but not all of my personal information. Since it is an online only account the only way you can talk to anyone or do anything is through the Cash App mobile application. I did not open this account so the validation processes of phone number or e-mail address do not match the account so I can't access it or register with the application to talk to someone. There is no phone number on the debit card I received and I can not find one online either.

Since I can't register with the app and have no phone number to call, I called Square who owns the Cash App bank. Talking to people on the phone is a waste of time as they redirected me back to the Cash App to resolve my issue, which of course is not possible because I am a victim of fraud. I then attempted to use the chat feature with Square and again was directed to the Cash App application for assistance. I was able to get someone from Square to e-mail me but after going around and around they referred me back to the Cash App application. I can not get any help or talk to anyone within Square or the Cash App to help me close this fraudulent account.

All I want is to be able to close my account and not open any additional accounts with this shady company ( Square/Cash App ).
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (IL)

On XX/XX/11 I was charged a pending charge after I already paid the charge amount in full. The pending charge is still on my account 2 weeks after I have made several calls and had the company who the charge was to fax a removal form. Money Network told me XXXX XXXX had to fax a letter stating that the pending charges could be removed that XXXX XXXX was not going to be charging them because the order was already paid in full. I have made several attempts with Money Network and they lie to me and keep increasing the so called date the pending charge will be removed. Every time I call Money Network employees are in a hurry to get me off the phone and when they tell me they are going to transfer me to the escalations department the phone always hangs up. The amount that Money Network owes me is {$170.00}. I have attached a snip of my account. On XX/XX/11 at XXXX I was charged {$26.00} and {$140.00} which adds up to {$170.00}, which is what I purchased paid in full. After that I was also charge {$170.00} in a pending charge after the full purchase amount was already paid.
Consumer complaint received 2021-04-19
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: EQUIFAX, INC. (IL)

I am filing this complaint due to lack of response from the credit bureaus, per the Fair Credit Reporting Act, if the bureaus do not respond in 30 days the accounts must be deleted. During these times of pandemic, taking the appropriate action is important and consumer like me should not its now been over 90 days and I have waited long enough.
Consumer complaint received 2021-04-19
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. (MD)

I have submitted proof from the bankruptcy court that they did not provide the information to the credit bureaus. I have submitted this information for 6 months and not getting any results.
Consumer complaint received 2021-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

On XX/XX/XXXX, I sent a secure message through the shellpoint self servicing site asking why when my mortgage was transferred to Newrez/Shellpoint, my Hazards insurance Mortageee clause has not been updated to Newrez, and continues to show XXXX XXXX, my prior lender before transfer, and asking if I should be updating it myself. 

On XX/XX/XXXX, I received a reply in email for someone else 's loan and data included, saying they acquired my loan on XX/XX/XXXX ( My loan closed on XX/XX/XXXX ), with subject line showing " RE : Contact Reply XXXX ''. That is not my loan number, the correct loan number is XXXX. Further, it said I did not escrow for hazard insurance. Clearly in my closing documents, signed escrow disclosure I did and still am escrowed for hazard insurance, and it scheduled to disburse in XXXX. I am very concerned about my data being kept with newrez, and wonder how many other customers this may have happened to. 

To this date, I have not got a answer to my question, and am concerned about receiving other loans data, and want to make sure my loans data was not shared with any other customers. 

This is very sloppy loan servicing at best, and have only had Newrez for a couple of months.
Consumer complaint received 2021-04-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

My bank card was fraudulently used and I filled out the fraudulently used papers I was finally sent after months of reporting the fraud. They finally sent papers I filed them out filed police report and sent back all paperwork and was told sorry no fraud was committed. When all the proof was there and I was told I would be reimbursed.a portion of my stolen money Within 10 days and was my money was never returned to my government account. My name is XXXX XXXX XXXX. My Ss number is XXXX. My address XXXX XXXX XXXX XXXX XXXX Ohio XXXX. The Bank Is US Bank.
Consumer complaint received 2021-04-18
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. (FL)

I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX DXXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (PA)

MIDLAND CRECIT MANAGEMENT PUT SOME ONE ELES INFORMATION ON MY CREDIT I HAND NEAVE HAND ANY TYPE OR CREDIT WITH THEMI LOST MY ID LAST YEARS.
Consumer complaint received 2021-04-19
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. (IL)

I made Payments On the loan on XXXX and XX/XX/XXXX and XXXX XXXX reported it as late non payments which is false. XX/XX/XXXX XXXX XXXX Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). XXXX XXXX never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from XXXX XXXX to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. XXXX XXXX dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with XXXX XXXX. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by XXXX XXXX is adversely affecting my credit report.
Consumer complaint received 2021-04-18
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: CITIBANK, N.A. (MI)

My Citi credit card account was closed XX/XX/XXXX with an ending balance of {$730.00}. My credit limit was XXXX. Upon receiving my next billing statement after the account was closed, I noticed the amount due jumped hundreds of dollars of the previous balance. 

The last time I used the card was on XX/XX/XXXX which placed me right at my XXXX credit limit. The account was closed end of XXXX ending with a {$730.00} balance for my XXXX billing cycle. I had a payment that was supposed to have processed for the amount of {$270.00}, which unfortunately declined. 

I was then charged a returned check fee, as well an additional {$270.00} in error that shows up on my XXXX statement XXXX as a purchase, and on a closed account. 


I contacted Citi several times about the issue, XXXX XXXX I spoke with someone over the phone that stated she and her manager would place a dispute on the account for the error and to allow 4-5 business days for the error to be removed from my account. 


Today is XX/XX/XXXX and I have been getting the worst customer service, the run around about the issue, transferred from department to department, Ive spent hours on hours for days at a time trying to get the issue resolved and no progress has been made. 

Each agent I speak with state how they arent able to assist me, then transfer me in circles, I have yet been able to speak with someone or provided with accurate information on how, and who to speak with directly about getting this issue resolved right away, all to be unsuccessful every time. 

I am being charged more interest than I should be on a much higher balance now, as well as its sitting and causing more damage to my credit report than I have already done for myself.
Consumer complaint received 2021-04-06
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. (NY)

I mailed correspondence asking for investigation into information on my credit report on XX/XX/2021. I have not received a response from XXXX. I followed up with a letter on XX/XX/2021. I have received no correspondence from XXXX regarding this request. 

I sent the same request to TransUnion and XXXX  specifically requesting they show me the method of verification and send me the proof they retain that shows the reporting meets FCRA requirements. TransUnion and XXXX both verified that the information was accurate but have not provided any proof showing me how it's accurate. I sent certified mail to both bureaus that XXXX received on XX/XX/XXXX and TransUnion received on XX/XX/XXXX. Neither bureau acknowledged receipt of this letter that specifically says they did not honor my request of proof of the information reported on my credit report. On XX/XX/XXXX I sent a copy of my credit report showing specific items that I highlighted and explained why or how they are reporting erroneously that they had previously " verified as accurate. '' I asked that the accounts be deleted from my report as they are not permitted to report false information. 

I can provide specific information about the accounts that I believe are reporting erroneously upon request.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reporting TransUnion for failing to block and remove fraudulent accounts from my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. I am a victim of identity theft and submitted the necessary documentation, including an identity theft report and proof of identity, to request the removal of the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has not complied with the FCRA requirement to block and remove the fraudulent information within XXXX business days. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring TransUnion takes immediate action to remove these fraudulent accounts from my credit file and complies with federal law.
Consumer complaint received 2024-09-04
Product: Credit reporting 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. (WA)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Equifax and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 USC 1681- governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personnel information assembled by Credit Reporting. My social security number and information have been hacked and information is being reported incorrectly.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I just received an alert that there was a fraud alert placed on my credit report from Experian. 
I never asked for any fraud alerts be placed on my credit file. Please remove them. 
I'm not writing into Experian to ask that it be removed bc I never asked for it to be placed on there. I know how to do that myself. 
I'm not going out of my way getting envelopes and stamps to write or mail anything. Nobody told you to put them on there. 
Remove the fraud alerts please.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

My mother and I retained the Lexington Law Group, advertised and described as a credit repair agency. Each and every month this unethical bogus company fraudsters debited my account for non rendered services, since 2019. We fullu complied with their requirements for timely processing and repairing our credit scores, however nothing has changed. This company XXXX  rotated us in an endless runaround, kept asking for the same set of documents over and over again ( multiple times we mailed to this company full set of records by the US Certified mail ). We were misled, cheated and XXXX. Subsequently our credit scores were negatively impacted as a result of this company deception and fraud. The company Directing and Managing attorneys ere notified in writing of existing chaos and corporate anarchy, however our concerns were never addressed nor resolved. In fact we've been ripped off and inadvertently depressed by this fraudmasters. Please assist us to remediate this problem.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

My Chapter XXXX bankruptcy order dismissing the case was filed by the bankruptcy judge XX/XX/XXXX. On XX/XX/XXXX it was approved that the chapter XXXX case be statistically closed. I filed Chapter XXXX bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I was approved for an auto loan in XX/XX/XXXX by a dealership lender & I traded-in and bought another vehicle in XXXX XXXX & financed this auto loan with my personal credit union bank. In XXXX XXXX, I was denied for a credit card by my credit union for an active chapter XXXX bankruptcy even though they pulled credit 2 months earlier & no saw no active bankruptcy. They said they were using a new credit reporting company and they needed proof of it being discharged. The same day I emailed copies of the judge 's orders and was approved right after. This was a first this had been brought up and assumed they had just made a mistake, so I didn't think much about it until now. XX/XX/XXXX I applied for a store credit card and received an email the next day notifying me that I was denied for active bankruptcy. Now, I have to physically mail a dispute letter, my proof, and then wait weeks for this to " hopefully '' get corrected. What shocks me even more is that I currently already have two other open credit accounts with this same bank and my pervious XXXX auto loan. I pulled all three credit reports and I seen it was reported to one credit reporting agency as " Filed '' and immediately filed a dispute with that credit agency. Within my report it states they receive their bankruptcy information from a furnisher, XXXX. I have called the bankruptcy automated info line and confirmed it states both cases are dismissed/discharged. How after 4 years since a dismissal can this all the sudden be reported as active on my credit report?