davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
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. (TN)

XXXX continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from annualcreditreport.com, attached file Equifax 3, you will see 30 day late reported XXXX 2019 and on the attached file XXXX 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2019, I received a notice that my credit score with TransUnion had decreased by 65 points. I have not applied for credit or opened any new accounts. I've had problems with this CRA recently. A fraudulent account was opened in my name on XXXX XXXX. TransUnion failed to conduct a reasonable investigation. I disputed the account twice but TransUnion continued to report the account as a valid debt. TransUnion did not document the account as a disputed account. I filed an identity theft report on XX/XX/2019. The account was removed on XX/XX/2019. TransUnion increased my credit score twice after the account was removed. I'd like for my credit score to reflect the correct score, XXXX. Please see the attached documents.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Experian is the only agency that is reporting an inaccuracy on the following account number # XXXX. Pursuant to the fair credit reporting act, to be more specific, 15 U.S. Code 1681e, it states that consumer reporting agencies must maintain maximum possible accuracy, however Experian is in violation as they are the only agency reporting inaccurately. Attached is the exhibit.
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (NC)

Yea my money was put on Venmo money from car wreck and playing with my money over 1100 fruadulent activitys just give me my money in part ways
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-09
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 (VA)

My father who is XXXX veteran sent me money via venmo for his emotional support dog but sent it to my old venmo account. I have reached out to venmo on sunday and it has been 5 days and they won't let me gain access. the account clearly is mine. i have the email and password i just can't use the two step verification because it's an old phone number. 

old venmo account XXXX  XXXX new account XXXX XXXX this is insane. i need the money to help my father
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I'm feeling unsettled due to the inaccuracies in some of the listed accounts.
Consumer complaint received 2020-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

Lender is has not returned escrow funds of {$1000.00} two months after closing ( XX/XX/2019 ). 

Mortgage was paid off and lender has received payoff funds XXXX XXXX XXXX for Mortgage payoff. 

The funds were wired to their bank ( XXXX XXXX XXXX Bank on XX/XX/2019 ) Lender refuses to reflect the loan as paid off, and continues collection efforts even though they have record of the loan being paid in full. I've called numerous times and been placed on hold for over an hour before being disconnected abruptly. 

My credit report still reflects the full loan amount due, and I have received numerous collection calls from the lender. 

the lender is : XXXX XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2020-01-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

To whom this my concern or can help me resolve. I have a account with chase a checking account. Chase is the bank that writes my spousal support payments every two weeks. My check are never on time from headquarters in Delaware J.P. Morgan bank. 
I have been struggling to get chase to send me my check on time for the last 4 years. Every responsible of bills and rent in my name depend on my checks they send them late after the XXXX th and after the XXXX of each month for 4 years. Chase has control of my money under a court order demand sign from judge here in the XXXX ca county. Chase has charger me XXXX for each idem. If I get my check by mail its late everything is late. My spousal support money is all I have to live on. They will not work with me at all around 4 years of charges to my account. I have a outstanding XXXX late fees for insufficient funds. I feel they owe me all the fees refunded from 4 years they are in control of my money. They send it when they want they are just making money from me. How can I resolve all my fees refund back for 4 years of chargers when they have control of my money.
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

My mortgage was briefly held by XXXX XXXX. On XX/XX/XXXX I received a letter with the date in the heading of XX/XX/XXXX which stated, " after XX/XX/XXXX, all correspondence you receive will be directly from SLS. '' I had already sent in my XXXX, XXXX payment. I confirmed with XXXX that the payment had been applied but, when I went to the SLS website to set up a login, the site I was sent to alerted me that the site was unsecured and may be attempting to fraudulently obtain my information. 
If I am going to be required to enter my SS #, as the XXXX rep stated I would, I am not going to do so through an unsecured site. I looked the number for SLS up which had a high scam alert and there are many complaints online about SLS mishandling payments. What recourse do I have?
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

There are several entries on my consumer report that are aggravated identity theft as I did NOT authorize these inquiries. I had never applied for these products or services so they have no business being on my consumer report. THIS IS IDENTITY THEFT.
Consumer complaint received 2021-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (AR)

XXXX XXXX  allowed someone to set up an account under my name, I told them to close the account and deactivae the service now they send me a bill! XXXX XXXX  will be reported to the ftc also
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

Hello. I tried to contact Sage stream to place a credit freeze on my account. I placed one online and followed all the steps by providing all the proper documentation and validating information. 20 days have paced and I have not received any information on whether my account has been frozen yet. I tried calling and received a message telling me they were busy and to leave my name and number. I did that and continue to wait without a phone call. I need to put a freeze on my account and it is within my right to do so. I would like this resolved as soon as possible. Thankyou
Consumer complaint received 2023-03-16
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXXXXXX
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed two disputes with XXXX, transunion and XXXX  regarding information on my credit report being inaccurate. The first dispute letters were mailed out on XX/XX/2019. The accounts requesting to be corrected are as follows : XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX. In addition, removal of incorrect late payments on DEPTEDXXXX XXXX. From the initial dispute letters, TRANSUNION  FAILED TO REPLY WITHIN THE 30 days time allotted. A second set of letters were mailed to XXXX, transunion, and XXXX  on XX/XX/2019. To my dismay I received no correspondence back informing me of the results and/or status of my disputes. 
I HAVE NOT RECEIVED ANY COMMUNICATIONS FROM TRANSUNION, XXXX  OR XXXX. I CONCLUDE THEREFORE THAT YOU WERE UNABLE TO VERIFY THE DISPUTED INFORMATION OF THE ACCOUNTS ABOVE. AS SUCH, PLEASE DELETE THE INACCURATE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AND SEND ME THE UPDATED COPY. PLEASE INSURE THESE ACCOUNTS ARE REMOVED PROMPTLY TO AVOID THE PURSUIT OF MY RIGHTS UNDER 15 USC SECTION 1681N AND 1681O, WHICH REQUIRE YOUR COMPLIANCE.
Consumer complaint received 2020-01-11
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (CA)

I did the 90 day pay out option with acima credit for a outstanding balanced I owed to acima. At the time, I did the payout over there automated service. I did this early pay out on XX/XX/XXXX The automated service charged my card for whatever I owed them as a 90 day pay out which resulted to a payment of {$420.00}. On XX/XX/XXXX I put a STOP on any auto payments with my bank account so i could do the 90 day pay off instead. So I got the {$420.00} loaned to me to do a 90 day early pay off with acima so my total balance on the account would not double as they told me it would if it was not paid by XX/XX/XXXX. They some how Aquired my  debit card number that i never provided, and on XX/XX/XXXX started taking money out of my account again without my knowledge. So I contacted my bank and stopped all payments from them and I immediately contacted acima VIA live customer service. The representative I spoke to said there was a pending XXXX from XX/XX/XXXX that did not clear at the time of my early payoff so there for went past the 90 day pay out option and doubled my total, which they say resulted in re-opening my account. I offered to pay the {$64.00} that supposedly never went through in hopes it would clear my balance with them but the representative said I MUST pay {$900.00} now. I dont see why there system like she says, did not recognize there was a missing payment and why there system wouldnt just add that {$64.00} to the early pay off total. That is not my fault. They instead applied the {$420.00} I paid them to installment payments instead of the " early pay off ''
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION (NV)

ATM withdrawals while card in my possession and we're not made by myself and not permitted by myself for anyone else to do. Information other than what was told to me by phone representatives or found on website is unknown. 
Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX, Nevada ( 3 ATM withdrawals ) in the amount of {$280.00}, {$300.00} and third withdrawal {$400.00}. 

Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX, Nevada ( 1 ATM withdrawal ) in the amount of {$300.00}. 

Reported to the phone # on back of card and had card # changed. Case # XXXX and case # XXXX. I have been told that this dispute has been denied and that a letter had been sent to my email. I have not received any written correspondence and continue to call to ask why it was denied as it was reported on XX/XX/2021 when I first found out as I knew I had worked and gotten paid yet transactions were being denied for insufficient funds come to find out this was why. I spoke to customer service rep " XXXX '' employee # XXXX today to infact confirm that I understand correctly what I'm reporting in this complaint is accurate. He still is unable to say why and once more, AGAIN, he will request the denial letter be sent via email to me. I confirmed that they have correct email and mailing address but he said it. Can only be sent via email. I have not gotten anywhere with this. I have not gotten my money back etc. I've made a police report even though upon my first call to this regions bank I was told by regions bank the police report doesn't help
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (NY)

I purchased {$30000.00} worth of {$1000.00} gift cards issued by Blackhawk Network Holding. After the purchase, Blackhawk Network Holdings limited how these gift cards can be used. They changed the terms AFTER my purchase. I tried to make a {$600.00} purchase at XXXX  and the gift card declined. I would like a refund for the unused gift cards.
Consumer complaint received 2020-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (NC)

I opened a credit card account with First progress located in XXXX XXXX Tennessee. After 6 months I was not pleased with the service and closed my account. They sent me a letter stating that the account was closed however the account is still open and has an available credit of {$130.00} along with my past due amount of {$160.00}. I called the company to ask why I still have an available credit and they said because I still have a past due I will always have an available credit. I stated if the account was closed I should not have an available credit however just a past due balance. I later discovered that the account is still open but they titled it somehow someway as closed and it is not technically closed. The company did not want to speak with me nor did they want to show any resolve..
Consumer complaint received 2024-01-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

For XXXX I was gifted an American Express gift card with a balance of {$50.00}, I activated the card, checked the balance, and called the company, but the card literally declines everywhere.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NM)

I had a Mortgage with XXXX XXXX in XX/XX/XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and XXXX XXXX XXXX assumes my XXXX XXXX XXXX # XXXX. In XX/XX/XXXXthe XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XX/XX/XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XX/XX/XXXX, and the fact that I refinanced my XXXX Home in XX/XX/XXXX, paid it off completely when I sold the home in XX/XX/XXXX. Financed a brand new XXXX XXXX in XX/XX/XXXX, it too is completely paid off, but I am still being denied credit in XX/XX/XXXXbecause of this Fraud to my account! I do not feel like this is fair to a XXXX XXXX that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX Veteran of this country! You can't report both loans! Thgis is Fraud!!!!!
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XX/XX/2022
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (ID)

Yesterday, Sunday, XX/XX/2021, I tried to use my card at a retailer who accepts American Express, for a total charge of {$11.00}, and my card was declined twice. I knew I had enough to cover that purchase. When I called the customer care number, the automated system told me my balance was {$39.00}. When I finally got through to an agent, after waiting on hold and having my call dropped, I was told there is nothing wrong with my account, and she didnt see any declined transactions. She stated the retailer didnt run my card correctly but didnt explain how to fix it. So I went to a XXXX ATM and withdrew {$20.00} so I could complete my purchase. Later that evening I added one of my debit cards so I could combine my money. My account was verified, as I was able to identify the two temporary charge amounts of {$1.00} and {$1.00}, used to confirm my ownership of this account. 
This morning, Monday, XX/XX/2021, I attempted to transfer {$18.00} from my debit card to this account. I got a dialog box Oops, this is embarrassing, we seem to be having technical difficulties, please try again later. I tried to login to try the transaction again, and it kept saying my password and login do not match. This was concerning because I KNOW I didnt change my password. When I tried to use the forgot password link, and entered my card information, I got the same error as described above. After waiting a few minutes, again, I tried a couple more times to reset my password, continuing to receive the same error. I called the customer care line, entered my card information, and was told my account access was permanently suspended and an email would be sent to the email address on file. The email stated I had violated the terms of use per section 22D, and I could write to the address in the email for more information. This is not acceptable so of course I tried to contact customer care again, 5 times. Each time my call was dropped with no further help or explanation. I could not locate this section of the terms of use online, and after a quick search on consumer complaints, I found a number of people experienced this same issue. I have had nothing but issues with this company, but this has taken it too far.