davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

My bank, XXXX XXXX XXXX, was acquired by Atlantic Union Bank and the transition was complete in XX/XX/XXXX. I had/have a money market account with XXXX XXXX that has been transferred to XXXX XXXX XXXX XXXX XXXX had, and still as of today has, a XXXX XXXX XXXX advertised on their website. This products terms state that if you deposit {$25000.00} from an outside bank into this money market you will receive 3.04 % APY. My money market was paying, and is still paying as of today, 0.27 % APY. On XX/XX/XXXX, I deposited a cashiers check from an outside credit union in the amount of {$26000.00} into my money market. At the time of deposit I asked if this would qualify me for the online advertised money market 3 % rate and was told it should. When my rate did not increase I reached out to the branch manager who told me she would need to speak with a supervisor about the rate, which I showed to her on the website. The supervisor at Atlantic Union told my branch manager this money market is no longer offered by the bank and was retired in XXXX despite the website saying the rates for this money market were valid as of XX/XX/XXXX. They will not honor the advertised money market and rate. I feel misled by deceptive advertising and would not have deposited these funds into my money market had I known they would not honor the product and rate advertised.
Consumer complaint received 2023-01-31
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)

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$110.00} 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
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 (CA)

In XXXX of XXXX, paypal/venmo sent me an email with no warning saying I was " permanently banned '' because my account was " a risk ''. I have called twice and communicated by messaging twice over the past two years and they refuse to provide any information at all. They would occasionally send me emails saying they were waiting for information, but not saying what information or how to provide it. I have been given no chance to appeal or even any idea of what I'm appealing. They have a virtual monopoly since the system relies on network effects.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TN)

To start this let me say, I am a homeless veteran and I am on a very small fixed income. So I dont have a lot of money. I was placing an order on the XXXX app. The total was like {$18.00}. It didnt go through because I forgot to unlock my cash app card. So I unlocked it and tried it again. Then all of a sudden my cash app was charged {$44.00} and on top of that, the order wasnt even showing up on the XXXX app anymore. So I went to the XXXX and they told me it got canceled. Long story short they didnt give me my food. And the {$44.00} charge actually posted. So I disputed it with cash app. They denied the dispute. 8 times. I made a XXXX about it. And cash app actually commented on it please dm us and our team can take care of this for you They sent me through the exact same process I already went through 8 times before and guess what? They denied it again. They literally got my hopes up.
Consumer complaint received 2023-03-14
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2022-12-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TRansunion credit bureau to validate This account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor..It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$15000.00}
Consumer complaint received 2024-03-28
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. (LA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-12-22
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. (CA)

This is my 4th complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$530.00} ; XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX ... .Balance : {$3200.00}
Consumer complaint received 2022-12-22
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
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. (CA)

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX  XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (GA)

A tree fell on my home XX/XX/year>, I met with my XXXX ( I do have his name ), XXXX TIME. He stated that I needed to keep receipts if I needed to stay anywhere. Also told me about eating out and supplying those receipts as well. I did receive about an inch thick of wasted paper from them the mortgage. 

My mortgage is telling me that there are no funds to send me regarding the repair of my home. The most information I can get is returning paperwork and being in a prior financial situation is the reasoning behind this utter nonsense. 

I can not even describe how horrible this whole process has been, a nightmare to say the least. 

Now, mysteriously this month my mortgage will not let me make a payment on my mortgage. This is absolute nonsense. 

My next step is the insurance commissioner. Guess I need an attorney as well. I've lived in my home for almost XXXX  years and now you are trying to take it away from me? I want my home fixed. I'm not giving up or giving in. I can also call the news if necessary. 

This experience has been immoral, inhumane, and curious if illegal. This has been very upsetting to say the least. 

Just want my house back, nothing more nothing less. I deserve that, and it will be finished. I'd like to have my home back by the holidays. There shouldn't be a reason that can't become a reality. 

I need HELP! No more XXXX
Consumer complaint received 2022-12-22
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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. (FL)

I have never had a relationship with XXXX XXXX. I'm not sure what this debt is. I have attempted to notify them of that several times and have been assured it would be removed, yet the balance remains on my credit report. The address on the account is one I have not lived at for 8-10 years.
Consumer complaint received 2022-11-23
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. (NC)

According to my research about FCRA 605, you are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2200.00}.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (ND)

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 U.S.C 1681 section 602 A. 

XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX all XX/XX/XXXX 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Various calls and requests have been made to have them remove all these accounts per their violation of my rights with no replies and updates!
Consumer complaint received 2022-12-22
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. (TX)

The error of this charge was disputed and found not valid and was removed off of my XXXX account and XXXX however, its been more than 30 days not being removed off of my Equifax account. 

ACCOUNT : XXXX COMPANY NAME : XXXX XXXXXXXX XXXX XXXX XXXX AMOUNT : {$440.00}
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have been disputing this account every month since May. The different items I have disputed are, openng and closing the account, no date of last activity, activity after charge off, reporting a past due balance on a closed accoiunt, incorrect payment history, reporting 90 days late 61 times, reporting a past due amount on a charged off acount, removing the c/o and replacing it with late payments and removing payments after dispute. reporting dispute resolved when it is not. Refusing to update account after multiple disputes, everytime I file a dispute to correct information furnished to CRA, they add or delete something to furthur cause harm to my credit report. The latest was to change the account closed date from XXXX to XXXX with the last payment made in XXXX. 

XXXX, XXXX and Experian all say that they are aware that the data being furnished is factually inacurate and changes each month but state that they are required to report what is furnished to them and can not correct, block or remove unless XXXX XXXX tells them to, so they update the account each month with more inaccurate data than the month previous.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (FL)

I transferred money from my TAX saving account folder to an external bank account - got a confirmation ( I grabbed a screen shot ). Based on the delivery date on that confirmation, I could make the estimated tax on the due date. So I paid my estimated tax by the due date, so the IRS could withdraw it the next day. I went on the acct for another reason 2 days later - the money was still in the tax folder- I panicked and transferred again, but delivery would be 2 days after IRS would withdraw it. I called Square - the 1st CRS hung up on me when I insisted I talk to a supervisor and she said she could put in a request ; answer in 2+ days. The second call I get an agent that maybe sounds like he can do something. He looks and say he cant see ANY transfers Is my email correct? like I am XXXX XXXXXXXX. I sent him screenshots of 1st & 2nd transfers and of my dash showing my confirmed email. I also informed him of a " disruption '' banner message I am seeing on my screen- perhaps this affected my transfer? " Oh ... let me transfer you to the " Banking Dept to see where the transfer is. '' Banking can't see it either, so now ( nearly 100 min later ) it needs to go to " Engineering '' which most would not answer that day. Meanwhile the IRS withdrawal is scheduled. I did everything on time & based my payment decision on Square 's timeline for funds delivery. I told several of their customer service reps the simple answer was to do an instant transfer ( like they offer for a fee when customers pays into the account. ) Nope, not unless you have a banking account w/Square. Apparently your Square Balance is a placeholder and they will not return to it the money from a FAILED transfer out of the tax folder that I got a confirmation for & acted upon.
Consumer complaint received 2022-12-22
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. (WA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (DE)

Lvnv funding llc is reporting two accounts XXXX and XXXX to XXXX as collections accounts. Via 15 usc 1692 c ( b ) who ever the debt is owed is not allowed to communicate with third party in connection with collections of any debt. The debt holders sold my information to lvnv funding llc after several disputes and no evidence of agreement or consent for either account. Lvnv have placed these accounts on my credit file as closed. In Good Faith Lvnv needs to review all disputes and remove the close collection and stop it from tarnishing my credit score.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (SC)

I have been a victim of identity theft repeatedly since I lost my wallet and documents some years and and again last year. Accounts have been opened in my name and paid in full sometimes. Ive filed police reports and this is the ONLY NEGATIVE ON MY ACCOUNT AFFIRM 30 days late on XXXX only I would like these negative accounts on XXXX removed : XXXX XXXX  XXXX accounts XXXX accounts removed