davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TN)

received a notification from XXXX XXXX XX/XX/20, XXXX  XXXX XX/XX/20 and XXXX that my credit score has decreased due to Mr. Cooper a.k.a Nationstar has put a negative comment on my credit file and it is not accurate.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (OH)

Cashapp stole {$48.00} from my account, when I asked why the money was missing from my account they claimed a technical error occurred between XX/XX/2023 and XX/XX/2023. They said the error caused a payment to a merchant to not successfully go through. When I asked what merchant, date the technical error occurred and for how much the supposed transaction was for and they were unable to provide that information! I asked them to start an investigation because they took my money in error and now they keep asking me to select a transaction to dispute. There is no transaction because cashapp took the money and wont tell me for what merchant, transaction, date and amount of transaction that supposedly didnt get paid due to their technical issues. It also doesnt show a transaction in my activity log but you can see the money is missing because I had just received a payment.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (FL)

I have been disputing this since 2021 under this complaint # XXXX only for it to continue on my report with no valid information in writing to advise it its accurate. On XX/XX/XXXX i contacted Experian to advise that a address is not valid and i have never lived at needs to be removed ( Fraud ). The address is XXXX XXXX XXXX XXXX which i never lived at. Experian said it can not be removed as XXXX XXXX XXXX is reporting that address, how is that i never lived there and i definitely have no account with them. Disputed initiated under # XXXX and came back accurate. I contacted the bureau again and asked what documents did they show to advise that that is indeed my address that they are attaching to that account. I was advised nothing it only came back as accurate, well that is fraud how can you keep a account attached to my name that Im telling you I never lived at and have no account relationship or done any type of business with this company. Im willing to take legal action as Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights to privacy to 15 us 1681 b 2 this company has no permission to report anything using my information pursuant to 15 us 1681 4. I hearby demand the deletion
Consumer complaint received 2020-08-03
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. (TN)

Last month I noticed several accounts on my TransUnion profile that should not be on there. It has been over 30 days since they received my dispute letter. I have attached a copy of the tracking number ( mailed certified via USPS ) thats directly from the USPS website as proof that TransUnion received the dispute letter and when they received it. I also attached a copy of the dispute letter that I mailed. I am demanding that ALL of the unverified accounts be removed IMMEDIATELY. It has been over a month, I have not received a response from TransUnion, and they have not verified the accounts.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MI)

I use Cashapp to make my purchases for XXXX grocery delivery. I load the funds that I am going to use on my card, make the purchase, make sure the funds were withdrawn and then lock my card. I was double charged for 4 orders back from XXXX and XXXX the other day. I 100 % know I was charged the day of the purchase. I contacted Cashapp and they told me there was a technical error where the funds were not received or processed so they money was taken out later. I know that was not the case and I have been double charged and XXXX confirmed it. Cashapp denied my dispute claims and will not help me. The charges are : XX/XX/XXXX {$23.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$33.00} XX/XX/XXXX {$39.00} They can not provide me with any kind of proof.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I met a guy on XXXX and he told me to invest XXXX and made good money. He taught me how to do XXXX. After one month he helped me to withdraw and the taxable income {$42000.00}. Later I got another error with incorrect account number cause it frozen and they asked to pay {$32000.00} to unfreeze. Additionally its not stopped. They said now they have to transfer to third party to do withdrawal with XXXX more. I called the mufg and found out it not doing XXXX invest. I called bank but they dont have any update
Consumer complaint received 2018-12-31
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: Credit Karma (OH)

I BEEN TRYING TO HET MY FREE CREDIT REPORT I NEVER HAD ANYTHING IN MY NAME I KEEP GETTING DENIED FOR MY CREDIT REPORT I PIT ALL MY INFORMATION IN CORRECTLY I XXXX  XXXX   XXXX BORN ON XXXX XXXX XXXX-XXXX-XXXX  DONT KNOW WHATS GOONG ON BUT I NEED TO GET TO THE BOTTOM OF IT SOON MY EMAIL IS XXXX MY MAILING ADDRESS IS XXXX XXXX XXXX XXXX XXXX Ohio XXXX  AND BEFORE THEN I STAYED ON XXXX XXXX XXXX XXXX XXXX OH XXXX   PLEASE HELP PLEASE ILL GIVE ANY DOCUMENTS I NEED TO PROVIDE TO YOU UPON YOUR REQUEST THANK YOU
Consumer complaint received 2023-04-01
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX   acoount # XXXX.I was never late.The information is incorrect.
Consumer complaint received 2019-01-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/2018 ),  Equifax, XXXX, & XXXX  have not investigated or responded to disputes of my credit report.
Consumer complaint received 2019-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC (NH)

The mortgage lender XXXX XXXX payments and processes division started an internal process to adjust past payments made on the loan. According to XXXX XXXX this started on XX/XX/XXXX. XXXX XXXX put the full balance of payments in suspense triggering multiple phone calls to me stating my loan was past due 6 months. According to XXXX XXXX 's own statements provided to me they show the loan has always been paid in full on the XXXX of each month. 

After 2 more phone calls with managers I was told the payments and processes division was completing the transfer of the money that was in suspense and the account would accurately show it was paid in full. As of XX/XX/XXXX XXXX XXXX miscalculated the amount in suspense by an entire months payment ( XX/XX/XXXX ) thus causing the automatic billing/paymenet for XX/XX/XXXX not to process. 

Currently the account still shows past due and XXXX XXXX has stopped the automatic billing. 

This issue seems to be linked to the original violation Harbor One Mortgage made in selling this loan to 3 debt collectors. Harbor One Mortgage addressed the violation and ensured me the loan would only be serviced by XXXX XXXX.
Consumer complaint received 2019-01-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I am trying to get a payoff statement from the company with the daily per diem and wiring instructions because I have secured another loan to pay off the company due to historical issues with Citizen 's not sending me statements. I have inquired several times to get statements and even filled out the proper paper work. Citizen 's is claiming that the issue is with my address. The property is at XXXX XXXX XXXX XXXX. There paper work states street -  they say when they call the tax office to have it corrected, the tax office confirms it is street.  Not true at all - I called the tax office myself and they advise it is XXXX XXXX and has always been XXXX XXXX. I believe they are purposely withholding information from me in order to charge me late fees. After securing the other loan, I have spent the past 2 weeks attempting to get a pay off letter sent to me without success. Every time I call the wait time is in excess of 10 minutes and then they put me on hold and do not come back to answer the phone. I believe this behavior is retaliatory in nature. All I want is a pay off letter from this company so I can pay them off and stop accruing late charges.
Consumer complaint received 2019-01-07
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. (MI)

All 3 credit bureaus have been putting my car loan as reposssed redeem and Late payment that shouldnt be on NONE of my reports. Ive sent in numerous complaints to consumer finance. This is my third time filing and will seek legal action if its not off my report within the same day of receipt of this complaint. This has hindered me from purchasing property. Very damaging to my score.
Consumer complaint received 2023-04-01
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2019-01-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes, XXXX, Experian, & XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items 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 XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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. (TX)

I have a credit card from XXXX  XXXX XXXX XXXX closed in the amount of XXXX From XXXX XXXX that is incorrect From XXXX XXXX XXXX XXXX has a XXXX balance in my account thats incorrect XXXX XXXX XXXX from XX/XX/XXXX for XXXX amount is incorrect From XX/XX/XXXX XXXX XXXX has a hard inquiry For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has hard inquiries listed that are incorrect XX/XX/XXXX XXXX has a Incorrect hard inquiry posted
Consumer complaint received 2021-03-06
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. (NY)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. And the multiple name spellings.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I have a XXXX account that was paid in full and it shows negative as well. 
XXXX bill And multiple ( 10 ) name spelling addresses XXXX XXXX  XXXX  XXXX, XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX, nj
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I was scammed of {$5000.00} on XX/XX/2023 on Cashapp. I immediately reached out to support and held multiple conversations over the past few days. I also spoke with my bank but the issue occurred with Cashapp not my bank XXXX. Cashapp support suggest blocking the scammer and reporting their profile, however I was unable to receive my funds back. I request a refund as suggested and no results. Cashapp even tried to shut down my account and stopped effectively responding. There has not been any measures taken to fix this issue or prevent it from happening to anyone else. I would like a full refund of my {$5000.00}. I am a college student with bills and tuition to cover.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

After going through numerous stages to obtain a Federal employment position, the final stage is a background check which includes pulling my credit report from the 3 agency 's. Two came across no problems but the 3rd from Equifax returned a fraud alert error. This alert was not placed by me, and i was never notified of this error. I have spent now 30 days attempting to remove this alert, calling every day, faxing requested documents numerous times. I get different explanations from them each time i call. Nobody at Equifax can tell me why the alert was placed in the first place, and now i.am being told they have no file for me at all. I am now in jeopardy of loosing this position i have worked so hard for, and nobody at Equifax will help me.
Consumer complaint received 2019-01-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes, Equifax, XXXX, & XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items 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 XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Merchandise was not received. I submitted a dispute and got confirmation from XXXX that Bank of America has already issued a {$91.00} charge-back. Bank of Amer asked me, online, to provide additional Info, which I did. Meanwhile, no provisional credit was ever issued, and, in fact, no credit at all was issued. On XX/XX/XXXX, I called about the status of my dispute and inquired why, online, there is a message in my inbox advising that the dispute is resolved and was combined with another dispute ( which does not exist ). Incompetence and deception both.
Consumer complaint received 2019-01-07
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. (GA)

I filed a proper dispute with Experian on an unknown medical account # XXXX placed with XXXX XXXX XXXX for {$110.00} on XXXX-18. I contacted XXXX XXXX XXXX with a dispute and request for validation on this unknown medical account as per instructions from Experian on XXXX-18. I re-disputed to Experian with a copy of my dispute letter to XXXX XXXX XXXX on XXXX-18 along with proof of XXXX XXXX XXXX ' receipt of the dispute. Experian 's refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.
Consumer complaint received 2018-12-31
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (WI)

in XXXX I filed a claim for lost travelers checks with American Express. multiple phone calls and emails. first they said I had to file a paper claim. when I did, with the forms they sent me, they said it was wrong form. filed again. in mid XXXX they said they sent a check. never received. called again. on XX/XX/XXXX said they would send another check. called XXXX said they sent check still have not received either one. They keep telling me to send me my bank info for an e-check. i keep reusing and said paper check ( which they said they sent twice ). phone number used is XXXX XXXX XXXX. 

email : Dear Ms. XXXX, Greetings from American Express. 



I am contacting you with reference to your claim for American Express Travelers Cheques. 



I would like to let you know that your claim was approved and the Refund Cheque was issued successfully to you on the XXXX XX/XX/2018 to the below mentioned address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI - XXXX XXXX Refund Cheque Number XXXX If you have not received the refund cheque by now we can place a stop payment on the cheque that was issued and do a bank transfer instead for faster refund. 



For bank transfer we will need the following details Bank Name Account holder name Account Number Routing Number If you have any questions please call American Express immediately at XXXX quoting your claim number. 



Yours Sincerely XXXX XXXX Claims Review Department American Express ( XXXX XXXX +XXXX amount was {$100.00}
Consumer complaint received 2023-04-01
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. (AR)

I am submitting another CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (NC)

My identity was stolen, several credit and debit cards were skimmed and fraudulent charges were made without my knowledge, consent, or authorization. I filed a police report and have a notarized Identity Theft Affidavit and Cash App is refusing to settle the fraudulent charges that were made.