davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX transferred my Student Loans to XXXX in XX/XX/2022. I noticed on my credit in XXXX that XXXX continues to show my loan as open/active with over a $ XXXX balance. I now have TWO student loans balances owed ( XXXX ) on my credit report!! I contacted XXXX and they would not speak to me and the recording said for me to contact XXXX. I contacted XXXX and they said I had to dispute my credit report. 

I disputed both Equifax and XXXX and both results came back as account active and will not remove close/remove XXXX from my account. I have since been denied credit as a result of this exorbitant loan balance and my debt to income ratio has been impacted.
Consumer complaint received 2017-03-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: FIRST HAWAIIAN, INC. (HI)

I was frauded by a XXXX. they called me to loan me money. We went back-and-forth negotiating amount, percentage and terms. They wanted to deposit into my personal checking account through my mobile app. I checked with my bank first and they said that if there 's anything suspicious they would send me a code by text to my phone number. of course I could always change my password. so they make the deposit I 'm not knowing in what fashion and it shows up in my account. The bank accounted for the deposit. The bank did not inform me that it was just photocopies of these checks. Photocopies of the front and back so the signature could be seen. XXXX made two deposits in this way in the middle the night and they showed up being accounted for in my personal checking account. again I was ignorant of the photocopy deposits. I was to wire back money to an account manager from XXXX which in their words was proving my checking account and identity. when my checking account was accounting for the deposits I 'm thinking well this could be legit. Five days after the first deposit was made, the first check bounced. The bank called me to inform me so I go down to close the account and I actually paid for the debit that was incurred by the bounced check from XXXX. I informed the manager which was the second check from XXXX. She initially said she of course would put a stop payment on that check. she then realized I paid the transaction by debit card and said that she could not stop payment. So firstly my complaint is that the bank was excepting an accounting for photo copies of checks in the middle of the night with forged signatures. it was very unusual actually never did I deposit checks through the mobile app into my account. The checks were made out to me and then forged with a signature on the back of my name. Obviously it was not my signature. I closed the account before noon on XX/XX/XXXX, The checks were forged, photocopies, and known fraudulent and the back still cleared the second check. thus it bounced. I do n't care if it was the transaction initiated by debit card she knew the company was fraudulent she knew the check was forged and she still cleared it. First Hawaiian Bank did not have basic security to protect me.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account Without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WY)

PHH MORTAGE, OCWEN. problems with payments being received. problems with escrow account. I have called multiple times requesting accountability on where escrow funds were going. i was told that i needed my attorney present. at on time in febraury of XXXX  i had over XXXX dollars in escrow and now on my last statement it was XXXX dollars and saying that it is negative. i asked where this had gone and again i was told that i needed my attorney present. i was also transferred to several other people that also could tell me nor could they account where the money had gone. upon my own research PHH and OCWEN do not follow federal banking laws. ive been over charged on my escrow account for years. any help in this matter would be greatly appreciated, thank you XXXX XXXX
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M

Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-21
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: Atlanticus Services Corporation (TX)

There was a hard inquiry on my credit report from " XXXX '' on XX/XX/2022. Shortly after being notified about this I received a full Credit Report from XXXX and saw that there was a new account in my name under XXXXFORTIVA for a credit card that I never activated. I immediately filed a dispute through XXXX and was notified a week later that the results were " Accurate and Updated. '' From there I filed another dispute on XX/XX/2022 and received the same results. I also contacted Fortiva directly to try and figure out what happened and attempt to remove the account from my name and they told me that there was no record of me having an account open with them therefore there was nothing they could do. 

So I first need to know how XXXX can declare this being accurate when the company itself has no record of me opening an account with them and most importantly I need this removed from my record as I believe it is fraudulent. I need someone to please help me do this or at least point me in the right direction to do so.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (TX)

I received a card in the mail from Cash App on XX/XX/22. I never opened an account. I tried to contact them, but it is an automated line that says it will call you back. I received a call back and they requested I provide my email address so they could send me information on how to close the account. I did not want to provide any information to them. They would not help me close the account and hung up on me. 

I later received an automated voicemail that said a former employee downloaded cash app investing reports. It went on to say there was no personally identifiable info on those reports. 

I XXXX Cash App and apparently this is a typical scam. Please see the article below or you can XXXX " cash app card in mail scam '' and you will see similar articles. 

XXXX XXXX XXXX  Can you please help resolve this? They should also be held accountable for this scam and have an easier way to close this issue out. 

The company contact info is shown as follows : Customer Service XXXX Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-17
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. (NC)

I was XXXX in XXXX XXXX XXXX during the time this loan was initiated with XXXX XXXX XXXX XXXX. During this time I did not have cell phone service or wifi. It was impossible for me to pull the loan. Ive called and asked them about it and they did confirm it was electronically signed. Ive recently been able to get a copy of my credit report and identity errors such as this because Ive taken a break from XXXX. From XXXX Ive XXXX XXXX  times with the XXXX XXXX . All to places where I did not have cell phone service or wifi. The account number of this loan is XXXX. 

This account was fraudulently opened by someone who accessed my account during this time of my first XXXX. Please resolve this issue and remove it from my credit report. Ive already filled out a report with identitytheft.gov and contact XXXX XXXXXXXX  and was offered no resolution.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (NC)

am a victim of identity thief and that should have never came by verified. I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 
The accounts and addresses and inquiries below are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

Capital One- Opened XXXX # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX- $ $ $ addresses XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *** I HAVE XXXX TRYING TO DELETE THESE ADDRESSES AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law part of my Compensation approves, XXXX years of specially negotiated, three-bureau credit monitoring and identity protection XXXX XXXX XXXX and XXXX additional XXXX years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT.. 
Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There was a hard inquiry on my credit report from " XXXX '' on XX/XX/2022. Shortly after being notified about this I received a full Credit Report from Transunion and saw that there was a new account in my name under XXXX for a credit card that I never activated. I immediately filed a dispute through Transunion and was notified a week later that the results were " Accurate and Updated. '' From there I filed another dispute on XX/XX/2022 and received the same results. I also contacted XXXX directly to try and figure out what happened and attempt to remove the account from my name and they told me that there was no record of me having an account open with them therefore there was nothing they could do. 

So I first need to know how Transunion can declare this being accurate when the company itself has no record of me opening an account with them and most importantly I need this removed from my record as I believe it is fraudulent. I need someone to please help me do this or at least point me in the right direction to do so.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MO)

From XXXX Wells Fargo consistently charged me overdraft fees resulting in the inability to bring my balance up to a positive balance or even to XXXX  it out. They then charged me fees to close my account.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Hi, XXXX Acct # XXXX XXXX is inaccurately reporting a balance and past due amount of {$900.00} on my credit report for an account that has been charged off and resold to another creditor.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

I notified cash app of a transaction I wasnt aware of for XXXX it happened when I had lost my phone I didnt realize it right away but when I did I notified them and they kept dragging me along with not responding and never actually attending to the claim I was trying to file I would send them every single detail they wanted but ti no avail did they respond with a solution I basically had to repeatedly file my complaint and it never got resolved I advised them I dont make transactions in that amount I also advised them of the party receiving it they had a foreign name and i had never done any transactions with them my history can prove that the date of the transaction was on XX/XX/2022 for {$3000.00} I asked them if I should notify police they assured me not to worry they would take care of the issue they never did so I gave up I was unaware your agency existed to help consumers in my situation not lose their hard earned money
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2017-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education (TX)

Cornerstone Federal Loan service incorrectly reported that my student loans were late on XX/XX/XXXX. I have 3 90 day late payments. At that time they closed my account and transferred it to XXXX. I was on a deferment you can check the student publishing clearinghouse. I was able to correct this information on my XXXX report, but both XXXX and XXXX wont let me conference call with a Cornerstone representative. I 've filed 5+ online disputes with each Credit Bureau and each time the results come back that the information ca n't be changed. Please help me! I think that the online disputes are done electronically because if a live person called Cornerstone, they could verify with a representative that the information is updated on Cornerstone 's end, but not relayed to the credit bureau.
Consumer complaint received 2017-03-21
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (TX)

I purchased a rush card in XX/XX/2017 for my federal income tax to be deposited. I received my income tax XX/XX/XXXX. On XX/XX/XXXX XXXX some one in XXXX made 3 transactions and ended up taking off my credit card XXXX. I contacted rush to let them know and cancel the card. They told me I had to go through a dispute to get my money back. I filed a police report and also faxed the dispute papersthey needed signatures for on what took place. I called customer service to see if they received the fax that said it takes 48 hours. I called 2 days later and they decided they made their decision and I will not be getting my money back. Customer service would not let me talk to a supervisor. I was also told they will refund me back my money XX/XX/XXXX. Now I 'm being told I wo n't be getting it. They also suspended my account and canceled my credit card and sent me an email saying they were going to be sending the remaining balance in my acct which is XXXX. I would like to take further action.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

In 2018 I opened a business bank account with Wells Fargo as well as set up a merchant account with them. There was {$20000.00} in my account when the merchant provider informed me of a charge back of {$2500.00}. They said they would have to hold my funds for 90 days to ensure there were no more charge backs to pay out and then they would release the funds. I have yet to receive any of my funds back from Wells Fargo. After numerous attempts and not being able to speak with someone, I moved on as a victim of Wells Fargo and their merchant provider.