davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

on XX/XX/2019 I sent out notarized dispute letters via certified mail to XXXX, XXXX and TransUnion credit bureaus disputing the information with several creditors on my reports. I also sent out letters to the actual creditors, asking both the credit bureaus as well as the creditors for original signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

After no response or verification from either the creditors nor the bureaus, I sent more notarized certified letters out dated XX/XX/2019. Again, I did not get any verification of ANY signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

On XX/XX/2019, after still NO VERIFICATION and NO RESPONSE from either creditor or the Bureaus, I sent another round of letters asking for verification as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. AGAIN FRUSTRATINGLY WITH NO RESPONSE!!! 

On XX/XX/2019, AGAIN,, I sent a final round of letters as a final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve continued violation of the Fair Credit Reporting Act regarding refusal to delete UNVERIFIED information from my consumer file. AGAIN NO RESPONSE!!! 

The unverified accounts on my record have damaged my good name by not allowing me to obtain credit. I know for a fact that all of these letters were delivered and read by all parties they were sent to, and still i had not received any consumer signed contract as verification as stated BY LAW these entities MUST PROVIDE ME. 

I'm past any resolution on this matter and demand that ALL INFORMATION be deleted that was not verified, including all hard inquiries. These supposed creditors and the 3 main credit bureaus have had 81 days to respond to my legal demands and have failed to do so. I'm writing this complaint as an initial request to make this right before I pursue legal action. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

According to US 1691 c ( 1 ) without my written consent that is considered identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3200.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

My minor son who is currently XXXX XXXX XXXX created a cashapp account with an incorrect Date of Birth and he do not remember what date of birth was used. He has recently received funds in the cashapp from his grandmother, dad and friends but unable to collect the funds because it requires him to have a identification card which he does not have at age XXXX as of today XX/XX/24 there is a balance amount of {$23.00} dollars in the account. I called cashapp number XXXX on XX/XX/24 and spoke with XXXX, I explained to him the issue and he told me that he is not able to assist me and that there is no manager to direct the call to and there is no corporate department and there is no legal department he proceeded to say unfortunately, I am unable to assist you at this time and will now disconnect the call and the call ended. 
I called back and spoke with XXXX, I provided him with my cashapp details instead of my son cashapp details and explained to him that the concern is about the cashapp that my son created and are unable to retrieve funds and that I wanted to speak with a manage to make a complaint on XXXX, the first rep I spoke with and also address how we can retrieve funds from my son acct, XXXX seemed as if he was going to help but phone was accidentally disconnected on my end. I called back and spoke with XXXX who stated that she saw XXXX notes but the notes only mentioned a request to speak with supervisor and did not mention anything about my minor son acct. she also stated there is no manager on Saturday and she could send over a case request ( she provided me a case number ) for a manager to call me back. I informed her that the first call was under my sons cashapp and that he was with me if she need to speak with him.. she stated she can only assist with 1 case per call and is unable to transfer me to another agent and that I will need to callback. I called back and got another agent ( forgot to take her name ) and while explaining my concern, I receive a call from cashapp and placed call on hold and it was XXXX from cash app.. I asked if he is a manager and his response was umm, what do you want? I replied you are rude as XXXX and I dont want to talk to you and I hung up the phone I went back to the other cashapp agent and asked if we could proceed as I thought it was a manager returning my call but they are gone.. she replied if another agent called you then you can speak with them and she disconnected. All of this took place on XXXX. I am in disbelief that so many agents were as rude as the ones I have dealt with and did not attempt to provide any additional assistance.. I will be closing out my Cash app after XXXX years and do not recommend anyone to use this service as the customer service is horrible and you could potentially lose money added into this app and unless youre able to afford an attorney you may never get your funds back.
Consumer complaint received 2019-04-25
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: Santander Consumer USA Holdings Inc. (FL)

I paid off an charge off account with Santander consumer USA on XX/XX/XXXX and received a letter stating that the account has paid in full. However when disputing with the 3 credit bureaus, Santander responded with the same original amount owed and does not update balance on report to an XXXX balance per agreed and stated on the settle in full letter. This is fraudulent reporting on my credit report and needs to be corrected on with all 3 credit bureaus before legal action is taken.
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I have a checking account with Chase Bank. A forged check for {$1100.00} was cashed from my account. I am unable to locate the actual physical check used, although having my other checks in my possession. I have reason to suspect my landlord 's son is responsible for the forged check. 

I am no longer living under this landlord, there were issues making the residency uninhabitable and I moved out within 20 days. My security deposit check was returned. Shortly after, a forged check was cashed from my checking account. The landlords son had been in my apartment at least twice in my absence, that I am aware. 

Chase Bank initially was supposed to reimburse the amount of the forged check ( {$1100.00} ) within 3-5 days. Speaking again with Chase Bank this morning ( XX/XX/19 ),  they said it would be reimbursed by the end of the business day. It is now the end of the day, and has not been reimbursed. It has been 8 business days from when I reported this. And it has still not been reimbursed. 

Please inform me of my rights and what next steps I can take to get my money back. Thank you.
Consumer complaint received 2023-03-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

i entered into a consumer transaction with Capital one in which a finance charge was involved. according to 15 USC 1605 a finance charge is a sum of all charges in a consumer transaction. i had also to to purchase separate auto insurance separately which was suppose to be included in the finance charge
Consumer complaint received 2023-07-04
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)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' DEPT OF EDUCATIONXXXX Balance details 11 % paid off Balance {$860.00} Balance updated XXXX XXXX, XXXX Original balance {$980.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XXXX XXXX Original balance $ XXXX  Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 180 Months Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

XX/XX/19 - I went to XXXX to obtain my credit reports from all 3 credit bureau 's. I was able to see my XXXX report, but not Equfax or XXXX
Consumer complaint received 2019-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Eagle Financial Services, Inc. (OH)

Eagle loan is charging me fees I didn't realize. They are also calling the loan secured but I didn't give them collateral. 
I have made 5 payments of {$190.00} which totals {$970.00}. I only borrowed {$1400.00} and they told me to pay it off would cost {$1200.00}. Is that legal in the state of Ohio?
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Florida department of revenue XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XX/XX/2014 I was ordered to pay child support, due to unemployment over the years I was unable to pay for months at a time, florida department of revenue is stating I owe XXXX, I never borrowed money from them to be an obligor, and financial and securities companies are constantly telling me I have to get the child support debt down before they can hire me. This is effecting my ability to advance my career and gain more income to provide for my family. 

Experian has this debt on file acct # XXXX as well
Consumer complaint received 2019-10-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

Aloha, After having an abnormally hard time getting a digital copy of my closing docs for my records, and after just receiving my property tax notice in the mail- I saw quite a significant disparity from what my appraisal came back as and what my property assessment value is. 

On XX/XX/2018- I proceeded with closing on a VA home loan for my current condo. For a VA loan approval, and any mortgage loan, an appraisal is done to verify the value of the property. USAA requires, as part of the loan process to disclose the contract price of the loan prior to them requesting an appraisal. In compliance, I sent them a copy of the purchase agreement for an offer made of {$320000.00}, and in return an appraisal was conducted. 

Within a week or so, I got back my appraisal and it came in for the exact amount of my offer, {$320000.00}, no more, no less. I found it odd, but was assured this could happen. As I mentioned earlier, I did not know that the property value was indeed lower until I received my property tax assessment form which so happened at the same time I was trying to request electronic documents from USAA and the request for some reason was forwarded all the way up to the Office of the CEO. Now, that I found to be a bit odd.

Something told me to take a deeper look since I was getting so much push back and it took about 3 weeks to get a simple electronic copy. I went back through my docs, and also saw in the mail my tax assessment form. 

It pangs me to know that my lender, who is in business primarily for the military is doing us a huge disservice. After doing research on appraisals I later learned that this is a common practice for lenders to accept high appraisals due to higher interest rates, PMI, and more money in their pockets. It's reported on average appraisals can cost consumers an increase of up to 4 % on their real home value. 

I find it no mistake why it took so long to receive my records, nor that my appraisal is incorrect. It is at this time, I am seeking remedy from USAA, who was the loan originator, to review my records and make a fair adjustment. I am a 100 % XXXX veteran, and this oversight / practice is not only costing me my time, but taxpayer 's money, and great hardship since I put down {$10000.00} of my savings for a reasonable monthly payment. 

Thank you for your time!
Consumer complaint received 2015-11-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OK)

I have repeatedly told this company this does not belong to me..Midland is the company and XXXX XXXX is the issue..I have asked for documentation where I supposedly opened this account and have received nothing. Please help.
Consumer complaint received 2021-02-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2005 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2018-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I have been trying to get info on the PMI Ins on my loan with Dovenmuehle Morgage co, in XXXX XXXX, IL, Acct # XXXX, and they are either unwilling or unable to help. I have been paying 6 yrs on this loan, 5 of them with this company. I want to know what my loan balance needs to be to have it taken off and no one seems to know or know who in their company can tell me. This company has very poor customer service and are seldom, if ever, of much help. Seems to me that they make money off our loans, so should be there to help us when we need it. Who can I turn to, other than Dovenmuehle, for help about this matter? What other organizations oversee the Mortgage Industry? Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( property address : XXXX XXXX XXXX XXXX XXXX, TX XXXX ) XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (SC)

I received a letter on XX/XX/2024 from comenity capital bank stating that they have changed my XXXXXXXX XXXX XXXX credit card account credit limit. They stated after a recent review, we're now writing to let you know your credit limit is being reduced to {$100.00}. I'm having an issue with that because I pay my account and all other accounts on time or before time ; I have an excellent credit history so I don't understand how they can determine this ; They did the same thing with my XXXX XXXX account : I won't this matter solved, thank you.
Consumer complaint received 2019-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (DC)

PennyMac is taking too long to send me the balance of my escrow account. I paid off my loan on XX/XX/2019, and they still not have issued a check to me. The customer service representatives have not been helpful. I paid off other loans I had with a servicer called XXXX   XXXX XXXX, and they sent my escrow refund five business days after payoff.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX XXXX XXXX dollars was withdrawn from my checking account, this withdrawal was not done by me or my mother that is also on the account. I went to a bank branch that was closest to my residence to find out what was taking place. I was given a phone number to report the incident, which was done on XX/XX/XXXX and a temporary credit of {$700.00} was given to me and a investigation was started. On XX/XX/XXXX my claim was denied and the XXXX XXXX dollars was taken back out of my account. I did not receive any information on why it was denied, I called the fraud department which was not very helpful at all. I requested that the claim was reopened because there is a mistake, it was reopened on XX/XX/XXXX and got denied on XX/XX/XXXX. I have only received one letter in the mail stating the an ID was used from someone that is on the account and was not reported stolen. I have been going back and forth with Bank Of America for months and have not gotten anywhere! 
Claim # XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (WA)

this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Apparently on XX/XX/2019, I " signed up '' for Transunion 's $ XXXXmonth credit monitoring service. With tax, I was charged {$21.00} on XX/XX/XXXX unbeknownst to me. Again, yesterday, XX/XX/2019, I was again charged {$21.00} for this " service ''. 

This time I noticed the charge ; I was able to cancel my service, and Transunion customer support told me they could issue a refund for the charge yesterday. 

I assume they obtained my email address when I filed for my free credit report ( probably this is when I was subscribed to their " service '' ). The thing is, I NEVER gave them my credit card information, which I assume I would have had to do to subscribe to a monthly charge. 

So they signed me up somehow? I was not aware of this subscription. If you look, I never even used the service in the past month, I have not logged onto their website since the day I received my free credit report. 

Even more infuriating, they never ever sent me a single email confirming my subscription, detailing the service or any other information. It's like they secretly subscribed me to get money out of me hoping I wouldn't notice. 

I assume there was some condition hidden in the free credit report, but they obtained my credit card information elsewhere ( i.e., not from me ). 

I cancelled the subscription I never agreed to this morning. Transunion said they could issue a one-time refund for the second charge from XX/XX/XXXX. I contacted my bank and put a stop payment on Transunion charges, and filed a dispute for the XX/XX/XXXX charge considering I never even used their " service '' during this entire period, nor did they ever email me confirming my subscription or providing the service. 

Very shady and questionable business practices.