davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK (AL)

On XX/XX/2022, I received an email from BancorpSouth Mortgage while on vacation, asking me to contact them. Upon my return, I called ( XXXX ) XXXX on XX/XX/2022 and spoke to a mortgage XXXX She stated my XXXX XXXX payment had not been received by XXXX XXXX, so late charges applied. She stated mail is very bad now ( the truth ) and with my payment history, I would probably be waived the penalty. After we spoke, I researched the BancorpSouth Mortgage website and XXXX Bank XXXX XXXX account. Both sites showed a payment of {$2800.00} sent and received on XXXX XX/XX/2022. I also verified payment is done electronically, which is immediate- no mail. So, at XXXX pm XXXX that same day, I sent an email to the original sender, with screen shots showing they had received the money XXXX XXXX, in addition to the proof of receipt and application for payments on XX/XX/2022 and XX/XX/2022. I also included a screenshot of my XXXX account showing electronic payment on XX/XX/2022. I am retired now but when I worked, I was told at XXXX different companies to respond to emails within XXXX hours. After receiving no response as of XXXX PM XX/XX/2022, I called the XXXX XXXXrom the email. After I identified myself, she put me on hold for about XXXX minutes, then stated she would transfer me to a supervisor. After XXXX or XXXX rings ( supervisor did not pick up ), the system moved me to general XXXX. As of XXXX AM XX/XX/2022, still no email nor other response from BancorpSouth XXXX Cadence Bank ).
Consumer complaint received 2017-06-02
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. (CA)

I have been in contact with the   XXXX   on serveral occasions. The first time  XXXX / XXXX / 2017 , then again on  XXXX / XXXX / 2017  in regards to some incorrect information on my credit report. They never responded. I requested that they send me validation on the accounts that are showing on my credit report which i feel do not belong to me. I asked for as copy of written proof of what it is for. As of today I have not received a response.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AR)

my data was in XXXX breach. then i receive a cashapp card with my name on back but not my handle nor did i ask for a new card. it was sent to my old address where i also had XXXX XXXX ( XXXX  ). cashapp will not tell me anything except tgat an account was opened using my information such as name birthday ssn, but not my phone number or email address. and since i dont know the number used they wont tell me anything. i have filed a police report. but cashapp will not close the account or help in anyway. not to mention XXXX XXXX  orders hit my credit card back to back on the XXXX of XXXX totaling {$160.00}. this is all tied together. and im sorry the XXXX  free credit report being offered is not sufficient enough when people have fraudulent bank account prepaid or not opened up. credit doesnt need to be ran. so this is much more serious. and i really wish someone would take this serious and actually listen. things need to change with how account are opened, just alot needs to change.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
EQUIFAX MORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT 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 2022-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (DE)

I have contacted Comenity 3 times. The 1st time I called was last week to let them know that several charges on my comenity credit card was NOT me! An agent name XXXX said a complaint was filled and that it will be investigated. He also said someone stole my credit card info when swiping at a store.. Someone stole my credit card info and made purchases totaling in {$800.00}!! I have been calling comenity this week and all calls go straight to a voice massage and the call gets disconnected! since the complaint made last week I have also lost access to my account!
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account # : 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 2023-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

Reported unauthorized transactions which XXXX XXXX XXXXXXXX denied without conducting proper investigation, violate consumer rights and non compliance of Consent Order XXXX and non compliance with EFTA Regulation E for mishandling Unauthorized Transaction Notice and Error Resolution and CFPA abusive and deceptive practices. Failed and Refused to redress harmed consumer. Failure to protect consumer account from fraud. Refused provisionary credit to account and consumer liability. Zelle New Consumer Reimbursement Benefit for scammed consumer compliance.
Consumer complaint received 2022-07-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

My problem is with Experian, on XX/XX/XXXX my credit score with them dropped XXXX points which also changed my credit rating. I have sent them several text messages asking why and also phoned them always getting the same generic reply, to ask a XXXX XXXX. I had no late or missed payments, no hard inquiries, and nothing else changed on my credit report, not seeing any reason why my score should have dropped. My problem is that Experian can or will not give me a reason why. Are these companies allowed to do whatever when they have such an effect on peoples lives?
Consumer complaint received 2024-04-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

On XX/XX/XXXX my cash app was hacked. The hacker somehow changed my email and my phone number completely locking me out of the account. They then proceeded to send {$1900.00} from my cash app balance to their account and an additional {$1100.00} from the bank account I had attached to my cash app account. I immediately filed a police report and disputed all charges with cash app. Today XX/XX/XXXX I received an ema from cash app stating they denied my claim because they believe the transaction was authorized. Despite me telling them multiple times I have proof of being hacked AND a police report. They refuse to see any evidence or give me a refund. Please help!
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (GA)

In XXXX, 2022 I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to EQUIFAX and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed UNKOWN FURNISHER ( XXXX ), UNKOWN FURNISHER ( XXXX ), UNKOWN FURNISHER ( XXXX )
Consumer complaint received 2022-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

I received an alert today, XX/XX/2022 regarding a Navient account. Stating that my account is reporting Delinquent causing a decline in my credit score of XXXX points. Please advise why? Per the Department of Education : Biden-XXXX Administration Extends Student Loan Pause Through XX/XX/XXXX Contact : Press Office XXXX XXXX XXXX ) XXXX, press@ed.gov Today, the U.S. Department of Education ( Department ) announced an extension of the pause on student loan repayment, interest, and collections through XX/XX/2022. While the economy continues to improve and COVID cases continue to decline, President Biden has made clear the continuing need to respond to the pandemic and its economic consequences, as well as to allow for the responsible phase-down of pandemic relief. 
The extension will provide additional time for borrowers to plan for the resumption of payments, reducing the risk of delinquency and defaults after restart. During the extension, the Department will continue to assess the financial impacts of the pandemic on student loan borrowers and to prepare to transition borrowers smoothly back into repayment. This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. The Department will also continue to provide loan relief, including to borrowers who have been defrauded by their institutions and those eligible for relief through the Public Service Loan Forgiveness program. FSA will establish new partnerships to ensure that borrowers working in public service are automatically credited with progress toward forgiveness, eliminating paperwork that prevents many borrowers from getting help. FSA will also continue to transfer loans to servicers committed to working under new, stronger accountability rules. 
The Department of Education is committed to ensuring that student loan borrowers have a smooth transition back to repayment, said U.S. Secretary of Education XXXX XXXX. This additional extension will allow borrowers to gain more financial security as the economy continues to improve and as the nation continues to recover from the COVID-19 pandemic. It remains a top priority for the Biden-XXXX  Administration to support students, families, and borrowers especially those disproportionately impacted by the pandemic. During the pause, we will continue our preparations to give borrowers a fresh start and to ensure that all borrowers have access to repayment plans that meet their financial situations and needs. 

Delinquent Account XX/XX/2022 XXXX has appeared on your credit report. 

XXXX XXXX NAVIENT Industry Type GOVERNMENT STUDENT LOANS XXXX Address XXXX XXXX XXXX, XXXX XXXX, PA, XXXX Inquiree Address XXXX XXXX XXXX XXXX, GA, XXXX
Consumer complaint received 2022-07-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

A fraudulent credit card account was opened in my name on XX/XX/2022 with XXXX XXXX XXXX XXXX, using a fraudulent address and phone number, and around {$18000.00} was charged to the account. 

I noticed the account ( as well as the fraudulent address and phone number, and the credit inquiries in connection with opening the account ) on my credit report the following month and reported it the credit reporting agencies ( Experian, XXXX, and XXXX ) in XX/XX/2022. I also called to report it to XXXX XXXX XXXX XXXX on XX/XX/2022 at which time they indicated it would be reviewed, I would receive a letter within 30 days, and the account would be closed. 

The credit agencies responded to the disputes indicating they had reached out to XXXX XXXX and confirmed the account, and XXXX XXXX would need to let them know that the account was fraudulently opened before it could be addressed on my credit report. 

Since reporting to XXXX XXXX XXXX XXXX on XX/XX/XXXX ( 65 days ago ), I have called XXXX XXXX at least 5 times to request an update, and at least three of those times, I have waited on hold for over 2 hours to talk to their security department, just for them to tell me they are working on it but can not provide any estimate on the amount of time it will take, and can not provide an confirmation by email or otherwise that anything is actually happening. 

Since XXXX XXXX has taken over 65 days to investigate a fraudulently opened account, the {$18000.00} credit card balance is now in default and my otherwise pristine credit score continues to drop precipitously by the day. As a result I am having countless difficulties : I was unable to open a desired credit card to receive travel points for a large trip and to purchase an engagement ring, I was planning to get off of my parent 's cellular plan but am not able to open my own line as a result of this issue, and I have been planning to purchase a house, which has obviously been put on hold.
Consumer complaint received 2022-07-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

A fraudulent credit card account was opened in my name on XX/XX/2022 with XXXX XXXX XXXX XXXX, using a fraudulent address and phone number, and around {$18000.00} was charged to the account. 

I noticed the account ( as well as the fraudulent address and phone number, and the credit inquiries in connection with opening the account ) on my credit report the following month and reported it the credit reporting agencies ( XXXX, Equifax, and XXXX ) in XX/XX/2022. I also called to report it to XXXX XXXX XXXX XXXX on XX/XX/2022 at which time they indicated it would be reviewed, I would receive a letter within 30 days, and the account would be closed. 

The credit agencies responded to the disputes indicating they had reached out to XXXX XXXX and confirmed the account, and XXXX XXXX would need to let them know that the account was fraudulently opened before it could be addressed on my credit report. 

Since reporting to XXXX XXXX XXXX XXXX on XX/XX/XXXX ( 65 days ago ), I have called XXXX XXXX at least 5 times to request an update, and at least XXXX of those times, I have waited on hold for over XXXX hours to talk to their security department, just for them to tell me they are working on it but can not provide any estimate on the amount of time it will take, and can not provide an confirmation by email or otherwise that anything is actually happening. 

Since XXXX XXXX has taken over 65 days to investigate a fraudulently opened account, the {$18000.00} credit card balance is now in default and my otherwise pristine credit score continues to drop precipitously by the day. As a result I am having countless difficulties : I was unable to open a desired credit card to receive travel points for a large trip and to purchase an engagement ring, I was planning to get off of my parent 's cellular plan but am not able to open my own line as a result of this issue, and I have been planning to purchase a house, which has obviously been put on hold.
Consumer complaint received 2022-07-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A fraudulent credit card account was opened in my name on XX/XX/2022 with XXXX XXXX XXXX XXXX, using a fraudulent address and phone number, and around {$18000.00} was charged to the account. 

I noticed the account ( as well as the fraudulent address and phone number, and the credit inquiries in connection with opening the account ) on my credit report the following month and reported it the credit reporting agencies ( XXXX, XXXX, and Transunion ) in XX/XX/2022. I also called to report it to XXXX XXXX XXXX XXXX on XX/XX/2022 at which time they indicated it would be reviewed, I would receive a letter within 30 days, and the account would be closed. 

The credit agencies responded to the disputes indicating they had reached out to XXXX XXXX and confirmed the account, and XXXX XXXX would need to let them know that the account was fraudulently opened before it could be addressed on my credit report. 

Since reporting to XXXX XXXX XXXX XXXX on XX/XX/XXXX ( 65 days ago ), I have called XXXX XXXX at least 5 times to request an update, and at least XXXX of those times, I have waited on hold for over XXXX hours to talk to their security department, just for them to tell me they are working on it but can not provide any estimate on the amount of time it will take, and can not provide an confirmation by email or otherwise that anything is actually happening. 

Since XXXX XXXX has taken over 65 days to investigate a fraudulently opened account, the {$18000.00} credit card balance is now in default and my otherwise pristine credit score continues to drop precipitously by the day. As a result I am having countless difficulties : I was unable to open a desired credit card to receive travel points for a large trip and to purchase an engagement ring, I was planning to get off of my parent 's cellular plan but am not able to open my own line as a result of this issue, and I have been planning to purchase a house, which has obviously been put on hold.
Consumer complaint received 2019-06-24
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: CITIBANK, N.A. (NJ)

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by THD/CBNA of a fraudulent application submitted with her information without her consent. An inquiry was made into her XXXX and XXXX   credit report XX/XX/XXXX related to that application. A formal dispute of this information was submitted to THD/CBNA XX/XX/XXXX. An XXXX credit report obtained XX/XX/XXXX shows this fraudulent related inquiry still being reported. Per FCRA guidelines, once an item is noted as fraudulent the item is to be either suppressed or removed from the credit report ( s ). This is a violation of the FCRA and my clients consumer rights.
Consumer complaint received 2017-06-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc. (CA)

On XXXX2017 an unnamed person contacted my husband, Aunt and place of my employment claiming to be a Process Server on behalf of Advance America trying to collect on an unpaid debt for the business and that if i did not pay immediately that I would be arrested and sued criminally for my failure to pay. I gave said individual my debit card information fearing for myself, not knowing that it was a scam until after my husband contacted me to tell me he had done a bit of his own investigation and talked to a representative at this site and found that each number used for contact and the website info was all false. I have since contacted my bank and put stops on all of our accounts. Numbers used to contact us : XXXX & XXXX by scam artist.
Consumer complaint received 2022-10-12
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

Jefferson Capital Systems LLC Account # XXXX ( Dept # XXXX, XXXX XXXX XXXX, XXXX, Al XXXX, XXXX ) claims via letter ( s ) that I have an outstanding debt with XXXX XXXX {$40.00}. I contacted XXXX XXXX to verify and was informed that no such record exists. I have a current policy with XXXX XXXX and have used their service for years.