davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Equifax Complaint : Freeze not being lifted, though website, and their own reps indicate otherwise. 

On XX/XX/XXXX I logged into my account at XXXX XXXX XXXX  and initiated a " thaw '' to my preexisting credit freeze. On the website, I received confirmation that the freeze had been lifted. I did not receive email confirmation. 

On XX/XX/XXXX I was denied credit by XXXX due to the Equifax system still showing my credit freeze in place. This was only for a store credit card. XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I called back to Equifax and after 45 min was transferred to a supervisor in the XXXX, and was told " due to an internal error, the freeze was not processed correctly '' and asked if I wished to actually remove the freeze. She asked her staff, and she would not offer any explanation as to why their website SHOWED that my account freeze was removed, nor would she provide any proof to the lender to I could show WHY my credit was frozen and therefore denied. 

I was denied credit because Equifax 's system was non-functional, and was offered no resolution to help me get the credit I have worked so hard to achieve.
Consumer complaint received 2022-05-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

On XX/XX/2023 at XXXX XXXX I placed an {$74.00} order to XXXX. My order was stolen from me when the driver went by on XXXX XXXX  and when I contacted XXXX for the first time they have refused to refund me. On the day the charge settled, I contacted Cashapp for a refund for the merchant for failure to render services. And they have refused to refund me, without an adequate explanation as to why my request is being denied. 

I have contacted my lawyer about this situation and also XXXX XXXXXXXX - XXXX XXXX, with Cashapps refusal to issue this chargeback. They have NOT handled this matter, and I will NOT stop filing reports and calling until this is resolved.
Consumer complaint received 2022-05-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/22 HSBC Bank transferred my mortgage servicing to XXXX  mortgage servicer. I was under the covid forbearance plan, XXXX claims they received no paperwork related to the covid forbearance I am on. There has been no good faith effort, on HSBC 's part to send any and all records to XXXX. The records must include the phone call 's I made as in those calls, it was verbally promised I would be able to defer all the missed payments to the backend of the loan. XXXX says they have no paperwork and therefore I am under threat of foreclosure.
Consumer complaint received 2023-03-30
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: Block, Inc. (GA)

Cash app is not giving my money back from a cash app user who scammed me I sent XXXX for clothes and never got them tracking number when I ask for tracking never got again I asked for my money back and the person who Im thinking I am buying from said she will tell her brother to refund me but never got it I sent a refund request he declined once I said I was reporting them I was blocked this was on or around XX/XX/22 I contacted my bank who still has yet to get my money back cash app needs to be shut down asap they are stealing consumers money and nobody seems to care XXXX  XXXX XXXX or Cash App
Consumer complaint received 2022-05-25
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. (MN)

I have contact XXXX XXXX and Experian about the inquiries and names and debts on this account being wrong multiple times with no resolution. The sad part is XXXX sent a check to me back in XX/XX/2019 for {$16.00} for a refund for their bad marketing practices with an agreement from your company ( CFPB ), and it bounced and the company XXXX : which I used to cash the check to go directly to my account ended up charging me {$51.00}. These people are not verifying anything. I sent them my verified real spelled out name, updated my address, phone #, work info along with my ID and SS card to verify myself. Those debt accounts, misspelled names and addresses are not mine and belong to someone else. 
I'm not aware of these accounts and they are being reported as fraudulent accounts. I contacted the companies who could not verify my SS # stating they don't know it. I contacted XXXX, XXXX, and Experian who clams it was all verified. How can any of them claim I was verified when the companies don't know my SS #. I was contacted through their website. They have several misspelled names and addresses I never lived at and DOB that was breached. this is this has left my credit damaged big time. Not able to get things. By the way I sent certified letters to all three credit bureaus.
Consumer complaint received 2022-05-25
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. (MN)

I have contact XXXX Transunion and XXXX about the inquiries and names and debts on this account being wrong multiple times with no resolution. The sad part is XXXX sent a check to me back in XX/XX/2019 for {$16.00} for a refund for their bad marketing practices with an agreement from your company ( CFPB ), and it bounced and the company XXXX : which I used to cash the check to go directly to my account ended up charging me {$51.00}. These people are not verifying anything. I sent them my verified real spelled out name, updated my address, phone #, work info along with my ID and SS card to verify myself. Those debt accounts, misspelled names and addresses are not mine and belong to someone else. 
I'm not aware of these accounts and they are being reported as fraudulent accounts. I contacted the companies who could not verify my SS # stating they don't know it. I contacted XXXX, Transunion, and XXXX who clams it was all verified. How can any of them claim I was verified when the companies don't know my SS #. I was contacted through their website. They have several misspelled names and addresses I never lived at and DOB that was breached. this is this has left my credit damaged big time. Not able to get things. By the way I sent certified letters to all three credit bureaus.
Consumer complaint received 2022-05-25
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX 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
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

-Ocwen is a crooked mortgage company forcing people to forclose! I have been trying to do a mortgage modification for 3 months now.Every time I call I get the run a round.They never received my paper work or my time has run out I need to fill out another packet or the information I sent in was wrong.I found a website on XXXX with thousands of complaints towards this company the site is called The Ocwen lawsuit source! Many people lost their homes already, others stressing that it is going to happen to them next., The site was set up because people do not know how to handle this situation.Please help!! I 'm a single Mom living in my home now for XXXX yrs.I do n't want to loose my home. 

Thanks XXXX XXXX
Consumer complaint received 2022-05-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than XXXX which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I wanted to send {$5000.00} to my cousin in XXXX on Monday, XX/XX/2022. 
I went to the nearest Citizens bank branch to my home. 
I have a checking and saving personal and business account with this bank. 
Prior to going there, I booked an appointment with XXXX XXXX the branch manager. 
He assigned one other banker to assist me. 
Banker asked for my information, and beneficiary ( my cousin ) information to transfer. 
I have indicated and emphasized that I'd like to transfer the same dollar amount. 
I agreed on paying {$75.00} for fees. The piece of paper that I signed also indicates Total to the Recipient : XXXX USD. 
My cousin informed me today ( XX/XX/2022 ) that the received money was XXXX euros. 

This was not what I have asked my bank to do, this money is much less than what I expected, it is not what I expected, and Citizens bank has violated the customer 's right. 
My right to request banking services as exactly indicated above, my right to be informed. 
I called the office of transfer ( XXXX ), and when I complained about the above issue, the citizens ' bank manager hung the phone on me ( Disrupted the phone conversation ).
Consumer complaint received 2023-03-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

We switched our business bank account from XXXX XXXX to XXXX XXXX and updated it on our square account. 

Square holds nearly {$2000.00} of our money in savings, these funds are from day to day business operations and need to be accessible.

After changing bank account, Square informed us that account funds transfers would be unavail

able for the next 24-48 hours while they review the account to make sure everything is okay.

Flash forward two weeks later, multiple phone calls, case escalated, and we still have no access to our funds. 

We will loose our entire business if we do not have access to these. If this does happen, we will be filing a lawsuit against Square Financial Severices.
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

I have a us bank reliacard which I used for a month and a half until about XX/XX/XXXX I tried to use it was declined. I call cust serv they say it's locked and I must send docs for verification which they received on XX/XX/XXXX. As I've called everyday waiting hours on hold for them to tell me nothing they know nothing and haven't even looked at my documents. Now XX/XX/XXXX I call and they say the pic id I faxed and also uploaded to the site they couldn't read it!!!!! Really the Id I took photo of with my 64 meg pix camera phone XXXX!!! This so called bank had been giving me the run-around for weeks while I'm left broke and no way to access my money. They are a disgusting and pathetic excuse for a bank. I've never been treated so poorly in my life!!!!!!!!!!!
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX2019 I have been BOAs branch in XXXX of XXXX, and I have take cash from ATM in this branch for {$100.00} dollars by twice, because the first time didnt work, then, when I check my bank app for transaction history, my account be charged twice, and the second day, all the account history be fixed, only appears once money out, and account still be charged twice, because balance never change.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Names and addresses and also work places and phone numbers show up on my credit report that do not belong to me. Please removed these list of names, addresses, phone numbers, and employment from my credit report. 

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 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 and XXXX XXXX XXXX
Consumer complaint received 2022-05-25
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently, I discovered inaccuracies on my credit report attributed to the XXXX. These inaccuracies, presumably clerical errors or misunderstandings, have adversely impacted my creditworthiness and financial standing. Despite diligent efforts to rectify the situation, resolving these discrepancies has proven challenging and time-consuming. As a law-abiding citizen, I believe in the importance of accurate reporting and fair treatment. Therefore, I am committed to working closely with credit bureaus and relevant authorities to correct this misinformation promptly. I remain hopeful for a swift resolution and trust that proper measures will be taken to prevent such errors in the future.
Consumer complaint received 2022-05-25
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-07-31
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: Experian Information Solutions Inc. (PA)

I had received a Social Security alert through the credit alert notification on XX/XX/2019 from XXXX XXXX associated with XXXX  XXXX on an address that I have never lived at nor heard of before pop up on my credit report as an associated address of mine.
Consumer complaint received 2022-05-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX Bank forward an amount to Resurgent Capital Services for an amount of XXXX $ unlawfully racking up a debt that I tried to inform XXXX  XXXX bank of fraudulent charges. After unlawfully adding XXXX $ of extra charges they then forward this debt to Resurgent. I have been a victim of credit card theft and was trying to get it fix to only find out I had to report my findings within 60 days and it was too late, I had my card half way paid off and then an unknown charge of almost XXXX $ was made and for some reason my account went in the red. I feel as though I am not responsible for this debt as I tried to fix it and was denied ; now Resurgent Capital Services wants everything but my kitchen sink for proof of this happening.