davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I believe I have a mixed credit file, one that includes my information as well as my parents past information. For my initial credit card, I was an authorized user under a parents account for one year before applying on my own. Almost 10 years later this is now a serious problem. The credit file information does not show up on my credit report to dispute but is routinely used to confirm my identity. In requesting this years credit reports, each credit bureau asked a question I had to call my parent to confirm the information. A previous question asked to confirm my identity asked about who my parents mortgage was with. I cant find anywhere thats tell me how to fix this issue with my credit file.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

The XXXX XXXX Credit card company was overpaid by mistake for {$5700.00} which was cashed on XX/XX/20. It was an over-payment of XXXX as I mixed up payments between XXXX XXXX XXXX and XXXX XXXX service credit card. I have since been trying to get my money back in the amount of {$5100.00}. 

I have called 4 times times, and each time I am told the check will be mailed in two weeks. It has yet to arrive. Today I tried to call and was put on hold for over 30 minutes twice. The last time I spoke to XXXX employee # XXXX on XX/XX/20. He informed me it would be mailed out in two weeks. It didnt. 

Today on XX/XX/20 I still have not received a check and was told by XXXX XXXX # XXXX ( from Tennessee ) that there was an investigation and they still had not mailed out the check but would mail it out today. And would take two weeks, then he changed his conversation and said two business weeks, then he changed it again and said 17 days. 

I do not believe them at this point. If I owed them this much money they would have called me non-stop and charged me interest. Unfortunately I cant charge them interest and they have never called me or even told me that the money was being delayed due to some made up investigation. They keep changing their story to cover their incompetence. I would simply like my money back.
Consumer complaint received 2020-06-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I have not been late on this account. I have been paying them in agreement with my completed loan modification schedule. They are totally XXXX up my credit report with inaccurate information being reported in XXXX, XXXX, XXXX and XX/XX/2019. I need these alleged late pays removed immediately!
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I just pay late one day and just once. I am going to call to remove my late fee and interest fee. But they do not help me. They have a strategy to remove the late fees once a year. But I don't know why they are not going to help me.
Consumer complaint received 2020-06-23
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant
Consumer complaint received 2020-06-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have made several disputes for accuracy verification regarding the reported account XXXX XXXX # XXXX with the CRA, Equifax with the most recent on XX/XX/2020, resulting in a response from Equifax, this creditor has verified that the date is being reported correctly. Equifax does not say what date is being reported correctly, nor do they respond to the specific items that were outlined in my dispute on XX/XX/2020. 

The CRA, Equifax knows, the information in my file must be complete and accurate, and verifiable, otherwise it must be deleted. This is made clear in FCRA Sect 611. I asked Equifax to remove this tradeline because they were repeatedly reporting unverifiable information. As of XX/XX/2020, this account ( XXXX XXXX ) is missing the date of last activity, credit limit, high credit amount, charge off amount, and date of major delinquency. All of this information is required for accurate reporting. 

I am in the planning process of applying for a mortgage and have rights under the Fair Credit And Reporting Act that Equifax is violating. 

Equifax response to my dispute regarding missing information with respect to XXXX XXXX ( aka XXXX ) is that this creditor has verified that the date is being reported correctly. This is a direct response form Equifax. ( see attached ). They have completely ignored all of my disputes regarding this matter and, instead, have merely updated my report with a random reply unrelated to my original dispute. 

It appears that their response is a result of not providing me with proper investigation processes as required by Federal Law or a blatant fabrication. Instead of deleting the account, as required as the necessary remedy, at this point, they have instead, kept the account on my file with incomplete information.
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (TN)

On XX/XX/XXXX we closed escrow on our home with Cash Call Mortgage/Impac Mortgage. We funded our escrow account with {$310.00} for homeowners insurance. XXXX sent a bill for homeowners insurance to cash call for {$940.00}. On XX/XX/XXXX Cash Call paid {$1000.00} to XXXX for our homeowners insurance. 

Cash Call sold our loan servicing to XXXX XXXX XXXX in XX/XX/XXXX. We received an escrow activity report from Cash Call on XX/XX/XXXX stating that {$1000.00} was paid for homeowners insurance and leaving a transfer balance of {$770.00}. 

On our XX/XX/XXXX mortgage bill from XXXX XXXX XXXX was a {$99.00} charge for escrow. When we inquired about this charge we were told by XXXX XXXX XXXX that Cash Call stated that they were owed {$1000.00} on the account. 

As a side note. In our purchase there are 9 parcels of land. Cash Call paid property tax of {$99.00} and {$77.00} on 2 of the parcels on XX/XX/XXXX. This does not show up in their escrow activity report from XX/XX/XXXX. 

We contacted XXXX XXXX Loans about paying our property tax for all 9 parcels. They said they were only aware of 2 parcels and would only pay those. At that time we chose to close our escrow account with them and pay our taxes and insurance ourselves. 


When talking with XXXX XXXX XXXX they said we had to contact Cash Call Mortgage. When we contacted Cash Call Mortgage on XX/XX/XXXX they said XXXX XXXX XXXX has to resolve it. 

In summary, our questions are : 1 ) If our homeowners bill was {$940.00} why was {$1000.00} paid? 
2 ) Why is Cash Call saying 4 months after they sold our loan that we owe them money? 
3 ) Why didn't XXXX XXXX XXXX notify us of this claim by Cash Call and add it to our bill? 
4 ) Why can't either of these companies tell us what it is for?
Consumer complaint received 2016-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I left because their was rodents and other insects in both places, that I made numerous complaints about. I do not owe any debts to any of these companies.
Consumer complaint received 2015-12-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

The fees associated with Hunnington are very high and not necessary. Since XXXX of 2015 Hunnington made a mistake on double charging debit card holders one weekend. They did fix the fees associated with the account. But since then we have incurred lots of fees that have financially ruined my income and life. In XXXX there were almost {$700.00} in fees, XXXX {$500.00}, and who knows what I am accumilating this month. 
The customer service I am recieving is " there is nothing we can do about this '' they are telling me to watch my account better and use my ledger better that is all. 
I have been lied to from the customer service representives and then still charged fees and the bank refused to correct them. 
XXXX XXXX - I asked if the deposit on the XXXX would cover any negative charges. The customer service advised that I was in 24 hour grace and there would be no fees. So I found out I had XXXX {$37.00} fees the next morning. 
I called and asked them to waive them, they said I am not elgible. I was told to go to the branch and do a " Force Pay '' and went to the branch. Guess what they said they could n't do the " force pay ''. So I was lied too XXXX. in that XXXX instance. 
Other promises and lies are " pay this now so no fees get incurred tomorrow '' So I deposit the balance. Wake up and there are the fees. The same run around after numerous supervisors and chats. " Sorry your not elgible for any more fee reversals ''. 
I have lost upwards of {$1100.00} in fees in 3 months with this bank. They have charged a {$37.00} fee for a {$1.00} transaction. These are irreprehensible and I can not get any solution. The Michigan Attorney General suggested I reach out to Consumer Finacial Protection.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

I purchased a food package for an inmate at our local jail. The commisary came out to a total of {$100.00} with 20 overnight express delivery included. The commisary provider said they could not take debit card payments only Cash App or cash at the actual facility. So I paid them CASH app a total of {$100.00}. The money was instantly taken but the package did not arrive as i paid for. By the time my friend was released the package still hadnt arrived to him. I tried numerous times to reach out to the contracted provider via email about 3 times then i tried to reach out to cash app and still to this day I have not received a refund.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

Received a 1099 B from Square , Inc where I received proceeds of {$2400.00} on XXXX XXXX 2020. I have reported to Social Security Adm., Federal Trade Comm., froze credit reports, reported to oig.ssa.gov. I have never done business with Square.Inc. or XXXX. Feel my identify has been stolen. Need the 1099 B done away with because I did not receive any money.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (CA)

I received a Cash App debit card in the mail on XX/XX/XXXX. I knew that it was a case of identity theft because I never opened a Cash App account and I have had two other accounts opened in my name recently. In both of those cases I was able to easily contact the company and have the account closed. I attempted to contact Cash App, but I quickly discovered that they do not have a phone number. All websites that I found directed me to contact Customer Service through the Cash App itself. Of course I do not have a Cash App account, so this was useless. I emailed Square to alert them to the fraudulent account and ask them to shut it down. I received a form email back on XX/XX/XXXX, telling me ( once again ) that I need to contact Cash App Support directly from the Cash App. It did not address my concerns or the substance of the email. I have not received a response to my subsequent email. 

In short, there is a fraudulent Cash App open under my name and Square offers no way to get in contact with Customer Service to resolve the issue.
Consumer complaint received 2020-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

On XX/XX/XXXX I was contacted by an agent XXXX XXXX from Medicredit for XXXX accounts that my wife had in collections from XXXX  XXXX. Those are XXXX and XXXX for XXXX & XXXX. I was not going to deal with them directly because they are horrendous at calling daily over 3 to 4 times a day. But XXXX went to his manager and offerred me a setttlement offer for a totsl of {$880.00} Relunctantly I agreed given the word that this would be removed and the accounts be closed. The agent made a mistake in his computer and called me back 2 days later to tell me he did not process the payment correctly and asked me for a check by phone. Both of these calls were recorded, the accounts were notated and the information sine dealing with HIPPA the agent notes can be seen by the original creditor XXXX  XXXX. Medicredit has denied payments were sent and asked me to repeatedly send in the deposited checks from my bank of which I have sent to them 15 times. The day the agent XXXX took the payment one of the accounts was transfered back to the original creditor whom deposited the check. Now we are in XX/XX/XXXX and no one calls me back from both, I am being bombarded with harassing calls and every agent is giving me the run around. The calls are all recorded and the notations are there on the account. Now if this is not resolved I am now having to seek legal representation to take care of something that was promised to me. I gave them my hard earned money on their word and they both are failing to stop collections activity on me. My credit score is dropping daily because they keep fighting me on the account. I have reached out to all bereaus and filed claims but thsi horrendous creditor fights each dispute with verocity. This is illegal for them to take money and not resolve their own issues when each call is recorded. I am reporting them because I have all my documents on each call made and person I have spoken to at both Medicredit and XXXX  XXXX. 
Do not ever give these people money unless you have something in writing. This has been a nightmare since day XXXX with them
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MN)

I received XXXX into my Cashapp account onXX/XX/2021, I set {$1500.00} to be transferred into my account ending XXXX, and their program said I would receive it on Tuesday XX/XX/2021. On Monday the XXXX I was checking the status and it showed my money was sent to a card ending XXXX on XX/XX/21 at XXXX XXXX ET. I immediately sent a message to Cashapp support, because they do not answer any telephone calls. From their reply email, they said the account was compromised and they closed the account and told me to open a different account and that I should talk to the bank to recall the funds, however the bank said it was too late, it was sent to the correct account, therefore the Cashapp company is responsible for my loss, and it has been reported to the Minnesota Attorney General 's office and the XXXX XXXX XXXX. Where their reply was it was not there fault and tried to place the blame else ware.
Consumer complaint received 2020-06-24
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. (PA)

I have made several attempts to dispute inaccurate information, as permitted under FCRA ( sect 611 ) regarding XXXX XXXX # XXXX with this CRA, Equifax, because the information reported on my credit file is inaccurate. Equifax has responded on a number of occasions that " we have verified that this item has been reported correctly ''. 

I have repeatedly demonstrated to the CRA that the information is not only inaccurate, but inconsistent. For example, Equifax is reporting a date of first delinquency before the " assigned date ''. It is reporting this delinquency for an entity ( XXXX XXXX ) whom I have never had a contractual relationship with that would create such a delinquency. 

Under FCRA, section 611, in previous disputes, I asked Equifax to provide verification, update or remove the account. Equifax has stated that what is inaccurate - is accurate which is a violation. Specifically, they are reporting that I have a date of first delinquency ofXX/XX/2019 with XXXX XXXX even though I have never had a relationship with them. 

I have repeatedly asked Equifax to delete this item from my credit file on the grounds that there is unverifiable information, and this action is required by Federal Law.
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

On XX/XX/XXXX I got noticed a collection was placed on my account by Enhanced Recovery located @ XXXX XXXX XXXX XXXX Florida XXXX phone number XXXX Now the debt they reported was inaccurate and they reported that I opened a XXXX    account on XX/XX/XXXX, however this debt is 7 years old on XX/XX/XXXX they intentionally reported old past due amount as new, collection accounts is considered a continuation of the orginal debt, I'm fully aware that it is a violation to do this and they sent this into XXXX  credit bureau knowing this is false and misleading information, I contacted the credit bureau and they agreed that this doubt is 7 years old and should not be reported. 
Debt due to fall of XX/XX/XXXX Placed on my credit on XX/XX/XXXX Date orginally opened on XX/XX/XXXX Collection company stated dated open XX/XX/XXXX Violation as this is falsefied information to be able to get it placed on my credit bureau.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have never done with this debt collector, nor do I owe them any balance. I have never been in agreement to work with them. I have requested for this debt to be validated multiple times. When I submit a request, the company retaliates by adding derogatory comments or marks on my credit bring my score down lower. They have even deducted {$1.00} from the balance. There are various inaccuracies regarding dates across all 3 bureaus. I am requesting evidence in the form of a signed agreement with this company.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NC)

XX/XX/2021 my 3rd round stimulus check has got deposited into my old cash app account that had been closed with debit card ending in XXXX with the amount of {$1400.00} USD I tried to contact cash app support via the app on my smartphone also email all I got was emails pretty much saying that theres nothing the support team can do about transferring the funds to my bank account or sending me a check and closing the account with the remainder balance to my address on file. They claimed that they can not override the decision and they also claimed to try and do a one time funds transfer to my new current cash app account which was unsuccessful from what I was told. so from that point on I tried to call a phone number that I got from the cash app website XXXX and I couldnt get in touch with a customer representative so all I have are these emails claiming that they can not override the decision to transfer my funds and screenshots of the error messages that they gave me. On XX/XX/2021 I got my second round of the stimulus check deposited into that same cash app account with the debit card ending in XXXX with the amount of {$600.00} USD and I was able to transfer that balance to my bank account without problem. At one point I kept getting error messages also stating that Ive have failed too many times trying to link my bank account and it had put up a security measure so I then emailed cash app support again and the next time I had tried to link my bank account with my cash app so I could transfer the balance I just got the same error message saying to contact cash app support at this point I dont know what to do i cant get in contact with cash app support through the phone and emailing is just turning into a timely process thats just taking too long just to be told theres nothing that cash app can do especially when Im counting on this money in a college student so I need this money.
Consumer complaint received 2020-06-23
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)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.