davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
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: EQUIFAX, INC. (MO)

My identity has been compromised and I have sent in a police report months ago and these accounts should have been removed. I also have an letter of XXXX  inwhich proves I'm not responsible for these accounts nor do I have any contract with any of the following companies and asking that these accounts be removed immediately. 

1 ) XXXX {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX   {$760.00} 4 ) XXXX XXXX XXXX {$950.00}
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

I opened a checking and a saving account with citibank.com for a XXXX $ bonus. The webpage states How To Earn Your {$600.00} Bonus You must open a new eligible consumer checking and savings account in The Citi Priority Account Package until XX/XX/2018. 
Within 30 days of opening your account deposit {$50000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$5000.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$50000.00} in your eligible linked checking and savings account for 60 days. 
Upon completion of the requirements, the {$600.00} bonus will be credited to your new checking account within 90 calendar days. 

I opened the accounts on XX/XX/XXXX and deposited XXXX $ to the saving account and another XXXX $ to the checking account. The money has been with citibank for over six months. I met all the requirements and citi customer service acknowledge that. However, they just kicked the balls and promised dates for me, but never really deposit the bonus.
Consumer complaint received 2023-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

I got a notice of an unauthorized transaction on XX/XX/2023 for a total of {$190.00}. I tried to dispute the transaction as fraud and unauthorized with Cash App but they denied my claim. I then took the complaint to my bank, XXXX XXXX and filed a claim, which was ruled in my favor and I received a final credit for the money that I lost. 

I received a message XX/XX/2023 that I had a negative balance in my Cash App account. Cash App charged me back for that previous unauthorized transaction of {$190.00}. They withdrew {$160.00} that I was unaware of from my Cash App balance and the rest was charged but caused my balance to go into the negatives. I called customer support and they told me that " the Add Cash transaction was reversed and the funds had been removed from your balance ''. They then told me to call my bank for further details. The bank told me that the claim was approved on their end and that it was Cash App trying to charge me back for that {$190.00}. So in the end, I am still losing money for that fraud charge. I called various times to Cash App and they kept repeating the same thing over and over and then at some point they would just hang up on me and even started to ignore me. They told me that there was nothing that they could do on their end and that in order to resolve this issue with the negative balance was to add money or get someone else to send me money. 

I am still being charged for a transaction that I did not authorize. My bank, XXXX XXXX credited me back this amount of {$190.00} but I am still being charged by CashApp.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IL)

For some odd reason XXXX believes my card was fraudulently opened. Once I got that straightened out they turned it back on and I was able to use it for a day. Then all the sudden it has been reported as " lost '' according to them. To which I have to call the fraud department to get it fixed. This is an ongoing problem that needs fixed, and resolved! I have not reported it stolen, I have it in my custody, I am looking at it as I type this complaint. Nobody seems to be able to help, It is very embarrassing to go to use a card that you know has plenty of money on it for it only to be cancelled unbeknownst to you. Yet they sure are happy to take my money for a payment!
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I have a credit card with XXXX. I have made every payment and as my mother XXXX XXXX has since i was XXXX. They are reporting a late payment that has decreased my credit score XXXX points. EVERY PAYMENT WAS MADE and my mother made XXXX payment for 2 months ago. We just received notification that the payment didnt process knocking my mothers credit payment history from 100 % to 99 % and decreasing my score. I want this late payment removed from my credit files. we made this payment as we do any other time
Consumer complaint received 2019-07-12
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: Resurgent Capital Services L.P. (MO)

I'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 

1 ] XXXX  {$940.00} 2 ] XXXX XXXX {$1000.00}
Consumer complaint received 2019-07-12
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: Experian Information Solutions Inc. (MO)

I'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 

XXXX ] XXXX  {$940.00} XXXX XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2023-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

I paid for items on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been adding money on to my account and it was not taken off yesterday XX/XX/XXXX. I was re-charge in the amount of XXXX, XXXX XXXX and {$23.00}. I reached out to customer service. I was hung up on. I asked for proof stating that the money was reversed to my account which it does not show on my transactions. I was told that my account was adjusted for the money that was not taken out. There is nothing showing that on my account, so when I added money to pay my insurance, cash app took {$100.00} out of my account without notice or without reasoning, I was unaware of any charges being reversed to my account. It has caused a hard ship because the money was for my rent.
Consumer complaint received 2020-12-17
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. (NY)

On XX/XX/XXXX, I asked XXXX, XXXX  and Equifax to verify two accounts ( XXXX XXXX and XXXX  ) that were reporting inaccurately. They responded on XX/XX/XXXX stating that the Original credit, past due, terms and rating were updated on the XXXX Account for XXXX  and the XXXX account remained the same. 

I then responded on XX/XX/XXXX to XXXX, XXXX and Equifax because XXXX was still reporting inaccurately with three different months for the same late payment. XXXX  reported XX/XX/XXXX, XXXX  listed XX/XX/XXXX and Equifax reported XX/XX/XXXX. Equifax has since removed the late payment, however, it remains on XXXX  and XXXX. If the same creditor is verifying payment history on the account to all 3 of these bureaus, then how can the dates be different across both bureaus? 

I also responded to on XXXX XXXX to the XXXX  account still reporting inaccurately with different dates of last activity. XXXX  has it listed as XX/XX/XXXX, XXXX  has it listed as XX/XX/XXXX and Equifax has it listed as XX/XX/XXXX XXXX, how can these dates be different if the information is being verified with the same creditor? 
The bureaus responded and XXXX is still reporting with different date of last activity as XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX  and XX/XX/XXXX for Equifax which is inaccurate.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

While reviewing my recent credit report, I found several unauthorized inquiries as well as incorrect accounts. I sent a certified letter to Equifax, as well as submitted disputes online asking them to remove the inquiries and both verify and validate the accounts in question. Today I received a letter via mail, explaining that I did not need to give consent for inquiries to be given on my credit history. As these are inquiries that are not associated with any account, I do not agree that any company should be able to request my credit file without my written consent. They still have not provided validation or verification of the debts shown.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Harrison Financial Group (FL)

To whom it may concern, On XX/XX/XXXX, I discovered that two of my checking accounts were restrained, at the request of Harrison Financial Group, for the amount of {$15000.00} each ( for a total of {$31000.00} ) based on a Default Judgement of {$8700.00} issued in XXXX XXXX, NY. On XX/XX/XXXX, I submitted the Exempt Funds forms to the two banks in question ( XXXX XXXX and XXXX XXXX ), requesting that the funds be released while I obtained legal counsel. While awaiting a hearing pursuant to a Order to Show Cause, we were informed by the plaintiff 's counsel on XX/XX/XXXX that the funds were garnished on XX/XX/XXXX from the XXXX XXXX  checking accounts to satisfy the satisfy the judgement. A Satisfaction of Judgement was provided to me by the plaintiff 's counsel. I submitted a request, accompanied by the Satisfaction, to the two banks to have the remaining restrained funds released on XX/XX/XXXX and again on XX/XX/XXXX. 
As of XX/XX/XXXX, the funds have not yet been released nor have I received a reply other than to instruct me that the Release has to be sent by the Plaintiff 's attorney. The Plaintiff 's attorney ( XXXX XXXX, Harrison Financial Group ), was notified as well on those dates and has not followed through with submitting the requested documents to the two institutions.
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

on XX/XX/XXXX and XX/XX/XXXX i submitted 5 cash app payments through cash app for XXXX the company I submitted it to turned out to be a fraudulent company. It is called the XXXX XXXX owned by a scammer named XXXX XXXX. I reached out to my bank XXXX XXXX they issued me a refund for the XXXX recognizing the fraudulent company However they recanted the refund and told me to get the refund from cash app because this is a third party situation. I reached out to cash app several times. I called and the rude customer service rep hung up when I told her I could not hear her. I have asked for Cas app to open an investigation against this company to reach out to them to do what it takes to get my money back and they have not responded.
Consumer complaint received 2019-07-12
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: Experian Information Solutions Inc. (MO)

These accounts are incorrect on many levels for one I do not have an contract with ( 1 ) XXXX XXXX {$580.00}, or ( 2 ) XXXX XXXX {$240.00}. And secondly these accounts are obviously fraudulent because they definitely not mines and I'm demanding that they be removed immediately, or I will be filing suit for harassment.
Consumer complaint received 2019-07-12
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: Consumer Collection Management. Inc (MO)

These accounts are incorrect on many levels for one I do not have an contract with ( 1 ) Consumer Collections {$580.00}, or ( 2 ) XXXX XXXX {$240.00}. And secondly these accounts are obviously fraudulent because they definitely not mines and I'm demanding that they be removed immediately, or I will be filing suit for harassment.
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

After reviewing my credit report from EQUIFAX, I have noticed that the report shows 11 credit inquires that I did not authorize.I have sent letters to these companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. The letters were sent by certified mail, so I am sure when they were received. 
1.XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 12.XXXX XXXXXX/XX/XXXX 4.XXXX XXXX XXXX XXXX XX/XX/XXXX 13.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XX/XX/XXXX 9XXXX XXXX XXXX  XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-12
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: Thunderbird Collection Specialists, Inc. (CA)

TCS is incorrectly reporting the date of delinquency and collection on my credit reports. In XX/XX/XXXX I became delinquent on my HOA fees. In XX/XX/XXXX, the house was foreclosed on and sold. In the attached documents from the attorneys representing XXXX XXXX - the HOA - you will see the date of their affidavit of fees - after the judgement was issued for this debt - date was XXXX XX/XX/XXXX. According to reporting laws - 7 years from this date would had expired making the debt noncollectable and the collection should have dropped off of my account. The problem is that TCS is currently reporting the date of delinquency as XXXX on my credit reports. Secondly ; Exhibit 1 ( again from the HOA 's  attorneys ) is the CCR 's - which ( see highlighted area page 23 ) clearly states that the foreclosure or any proceeding shal extinguish the lien of the assessments. Third ; the accounting summary in exhibit 2 shows the original delinquency as XXXX XX/XX/XXXX. The date of the original delinquency should start the collection clock. 
All of this information has been sent to the TCS on several occasions as well as sent to the credit bureaus in dispute and TCS has continued to confirm the debt. I just spoke to XXXX - a collector who called last week - he was given all of this information, as they have been for years, and he promised he'd look into it and call me back the next day. I have not heard back from him as every other time I speak with TCS collectors.
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

My 16 year mortgage with XXXX XXXX XXXX  XXXX and was sold in 2016 to a company called Bayview Loan Services LLC out of XXXX Florida. 

I always made my payment all these years. BAyview loan services increased my taxes and did not believe I had insurance and applied force placed insurance. 

Now this was an error that Bayview Loan refused to correct, I have 17 month proof,. 
You call, and they just do nothing. They refuse the regular payment and start foreclosure. 

This is total fraud. And a scam. I was a XXXX  XXXX. They are in violation of ORC and government codes. I fought this foreclosure myself, because every attorney refused to help unless I had XXXX. So I did it myself, I am XXXX years old, have lived in my condo for 18 years and now I get to go to a shelter. 

This is such a terrible thing they are doing to many. I called the scam squad in my area, they would not help either. I have lost income due to the foreclosure, and I lost custody of my grandsons, I was raising due to my daughter death. So now I am kicked to the curb, like a dog. And I had a perfect record, till they changed my payment and refused the regular payment. Bottom line this is a collection agency buying old loans and then the scam begins. This company is in 5 states. Because there is no quality control, no one check balances, or to see if the mortgage should go into foreclosure. I worked for XXXX XXXX XXXX XXXX. for 15 years. I did XXXX  and I can not save mine home, no one is checking to see their errors, and it looks like I am delinquent because of the increase of {$200.00} on my payment. My taxes did not go up, and my insurance is paid my the condo association. I was doing just fine till they bought my loan and increased my payment I am happy to meet anyone who can help or anyone who cares, to prove this. I get to even lose all my possessions because I have no where to put them, my whole life going in the trash. I am now going public and going to the media. They have to be stopped. Check out the complaints on line from customers, over 800. I also called the FBI. Nothing is happening. The decision on my house is this week, and if they win I plan to continue to fight. Such a shame this is happening in todays times. I do feel my age is a factor.
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

XXXX has been reported on my credit report which I am unaware of who they are.I worked with XXXX law to get this removed in the past and it was removed from XXXX but not XXXX. I did not open this account back in XXXX of 2017 and have no recollection of this account but it is still being reported.
Consumer complaint received 2019-07-12
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. (MO)

These accounts are incorrect on many levels for one I do not have an contract with ( 1 ) XXXX XXXX {$580.00}, or ( 2 ) XXXX XXXX {$240.00}. And secondly these accounts are obviously fraudulent because they definitely not mines and I'm demanding that they be removed immediately, or I will be filing suit for harassment.
Consumer complaint received 2019-07-12
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: SYNCHRONY FINANCIAL (CA)

To my knowledge, I have not signed any document authorizing SYNCB/XXXX  organization to view my credit history therefore, their inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I have disputed with them with a certified letter mailed out on XX/XX/XXXX19. I received a response from SYNCB/XXXX saying they will not delete these two inquiries I don't recognize below : Creditor Name : SYNCB/XXXX Inquiry Date : XXXX/XXXX/2019 Reason : I don't recognize this inquiry Creditor Name : SYNCB/XXXX Inquiry Date : XXXX/XXXX/2019 Reason : I don't recognize this inquiry The two unauthorized inquiries are hurting my credit and is prohibiting me to get approved for a home I am trying to purchase.
Consumer complaint received 2019-07-12
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. (VA)

While I was XXXX  my identity was stolen and abused. This account do not belong to me and I'm asking that it be blocked immediately from my credit file. The account in this instant matter is, XXXX XXXX XXXX {$790.00}
Consumer complaint received 2020-09-24
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. (TX)

I recently submitted a dispute with Experian concerning a public record on my credit report. I was instructed to contact XXXX regarding the issue. XXXX was named as the vendor that verified the public record. I have submitted supporting documents to Experian from XXXX stating that the public record account do not exist. Also, a letter from Bankruptcy court stating they do not report directly to credit Bureaus. I understand that the Experian must physically verify information from the original furnisher. This public record is not reported by the other reporting agencies XXXX and XXXX. I asked Experian in my previous dispute about the non consistent and inaccurate reporting, which was never validated. I submitted all documents to Experian on XXXX XXXX. My dispute confirmation number is XXXX. I would like a proper and thorough investigation. The public record is XXXX Court US BKPT CT TN XXXX
Consumer complaint received 2019-07-12
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: Experian Information Solutions Inc. (VA)

While I was XXXX  my identity was stolen and abused. This account do not belong to me and I'm asking that it be blocked immediately from my credit file. The account in this instant matter is, XXXX XXXX XXXX {$790.00}