davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (CA)

FCR Collection Services ( Account Number XXXX ), called me over a hundred times over the last 2 years for a debt that is not mine with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Lic # XXXX. I have never done business with these people. I have told them many times to stop calling & to put me on the Do Not Call list but day after day the call & email me. They never mention an amount owed & refuse to give any details. I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX & I want them to cease and desist any & all communication to include but not limited to phone, email, mail & text. 

Thank you
Consumer complaint received 2021-02-12
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. (GA)

I reviewed my updated credit report and I noticed that there were several account and incorrect personal information reporting that does not belong to me. Please assist me in getting these items removed from my credit file. 

The following address information is incorrect : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The following accounts are not mine : XXXX XXXX XXXXXXXX - Bal : {$4000.00} XXXX XXXX XXXXXXXX - Bal : {$2500.00} XXXX Unknown Inquiries : XXXX XXXX 13 TIMES
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

I have been disputing this collection account with the credit bureaus and directly with XXXX XXXX. I have told them numerous times that this is NOT my debt and i have no knowledge of it. They have NEVER responded to my disputes or provided any proof that this is in fact my account. They have violated my consumer rights.
Consumer complaint received 2018-12-11
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: SYNCHRONY FINANCIAL (MD)

On XX/XX/2018 I had purchase from XXXX and I used XXXX credit card ( SYNCHRONY BANK ) for {$190.00} which I never received the item, I contacted XXXX but they never give me credit for it so I disputed the {$190.00} with XXXX credit card ( SYNCHRONY BANK ), instead of removing the charges XXXX credit card ( SYNCHRONY BANK ) charged me another {$190.00} so was total charges of {$380.00} then XXXX credit card ( SYNCHRONY BANK ) removed one of the double charges, and XX/XX/2018 I received letter from XXXX credit card ( SYNCHRONY BANK ) stating that I have to pay {$190.00}, on XX/XX/2018, I called twice at XXXX XXXX and XXXX XXXX the number they provided in the letter XXXX for XXXX credit card ( SYNCHRONY BANK ) and left a message but never called me back, so I had to call the number in the credit card and I talked to XXXX at XXXX XXXX but she could not help me.
Consumer complaint received 2018-10-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

XXXX XXXX Loss Department will not release to me the amount reimbursed by XXXX XXXX for hail damage suffered in XX/XX/2018. XXXX  issued a partial payment check for {$24000.00} and I forwarded to XXXX Loss Department in XXXX, NE in XX/XX/XXXX ( XXXX ) when Affordable Roofing and Restoration had completed the work on the home. The barn reroofing is pending. 

Attached is the receipt from Affordable Roofing showing paid in full and a cash deposit receipt from XXXX. XXXX for a down payment to order materials for the barn roof. 

The response from the Loss Department at XXXX XXXX has been beyond incompetent. I have sent via email, mail and uploading many documents requested often over two times. They still have not released a check back to me for work done to date which I paid for of {$17000.00}.
Consumer complaint received 2017-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

I ordered checks online, in XX/XX/XXXX Wells Fargo, mailed them to the wrong address, I needed the checks so I had to order again expedited, and was charged, even though I talked to the postmaster, who had to track the package, said they put the wrong address on the package they refused to tae any responsibility and charged me twice.
Consumer complaint received 2022-11-30
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: Mercedes Benz Financial Services (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-03-22
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 the victim of identity theft and my information has been used to obtain serves several times in the past without my knowledge. These three accounts were already been addresses with years ago as identity theft but now a new company has put them on my credit they are not mine. The accounts are : 1.  XXXX XXXX XXXX  # XXXX ( Amount {$1000.00} ) 2. XXXX XXXX XXXXt # XXXX ( Amount {$970.00} ) 3. XXXX XXXX XXXX XXXX XXXX ( Amount {$970.00} )
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I contact the following Credit bureaus ( XXXX, Equifax and XXXX ) about inaccurate information on my credit file on XX/XX/2018, and to validate it. They received it on XX/XX/2018 ( see attach ) As to date ( XX/XX/2018 ) nothing was done by any of the above bureaus to remove this item, nor did I receive any correspondence back from the above bureaus within the 30 days of my dispute that they received on XX/XX/2018.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Hi, Ive made every attempt possible to contact EXPERIAN credit bureau to an avail. 
Its virtually impossible to reach anyone at Experian to either assist in buying a credit report or in my case all three XXXX, Experian and XXXX. I have an alleged membership number and all i want to do is buy a new 3 in 1 combined credit report for {$39.00}, as I have in the past on their website. The website experian.com now will not allow such a purchase without them trying to upgrade you to a monthly membership which I do not want! I've attempted on several occasions to contact them through their customer service line XXXX and XXXX, and can not reach anyone regardless what options you choose. Please help myself as well as all others experiencing this mess.
Consumer complaint received 2022-07-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

On XX/XX/2023, I saw an XXXX XXXX XXXX  on XXXX. My mom wanted a new XXXX because her previous one stopped working. I found one listed for {$220.00} and contacted the seller. She told me that it was not her XXXX and she was just helping her friend sell it. She gave me her friend 's number and I reached out to her about the payment method. She claimed that CashApp had some kind of buyer protection, so I sent her half the payment ( {$110.00} ). The next day, she said that her mother was worried that I would not pay the rest, so I kindly paid the full amount. She promised to ship it on Monday and asked for my email address, which I gave her. After that, she blocked me. 

I reported this scam to CashApp, but I have not heard anything back.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (WA)

On XX/XX/2023 XXXX XXXX send {$75.00} using CashApp from his account to my CashApp account which was under XXXX. ( XXXX ID # XXXX ) He confirmed that the funds were moved from his account after completing the transaction. On XX/XX/2023 at XXXXXXXX XXXX PDT I received an email from cash app stating I received payment. 

On XX/XX/2023 I logged into my CashApp account using the email XXXX. However, when I went through the account transaction history, there were no payments made to my account. 

Since then, I reached out to CashApp support several times and each time they say they do not see the transaction even though I provided transaction ID number and all relevant information. They said I'm not logged into the account which the money was sent to, and they keep sending me instructions on how to log in. I followed their instructions several times and logged again using the email XXXX and I get the same results every time. 

I asked XXXX to submit a refund and I received an email that he requested the refund. However, since I cant see the transaction when I log in I cant approve the refund. He reached out to CashApp support and they said I am the only one that can approve the refund. 

Essentially, they took XXXX 's money put wont give me access to it for whatever reason and I dont think that is legal.
Consumer complaint received 2022-06-14
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)

On XX/XX/2022, I submitted a CFPB complaint about XXXX XXXX XXXX and Equifax inaccurately reporting 2 medical collections on my credit file, that I DO NOT OWE. On XX/XX/2022, XXXX XXXX XXXX responded to my complaint stating they will be requesting deletion from Equifax to remove the inaccurate collection account from my credit file. Attached is the confirmation of the deletion letter that XXXX XXXX XXXX provided. On XX/XX/2022, Equifax closed my complaint with the following response : " Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call 1-888-EQUIFAX ( XXXX ) or you may visit www.myequifax.com. With my Equifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free Equifax credit reports and other products. '' I recently checked the status of my re-investigation request with Equifax and noticed that the reinvestigation was completed, and the accounts were allegedly ''VERIFIED '' and remain on my credit file. How can Equifax verify these alleged accounts, if the creditor has requested to remove these accounts? This is a major violation of my consumer protection rights to ensure a complete and accurate credit history. I was also denied a home loan due to the negligence of Equifax in reporting inaccurate information on my credit file.
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NJ)

I am writing to complain about Suntrust Mortgage. They have taken payment from me and not applied it to my account. I have called numerous times and devoted hours upon hours to trying to get it resolved. My check has been cashed but not applied to my account. 
I am getting the run around. 
More so, they incorrectly have my property taxes. I had gotten it verified by my township tax assessor and sent it into them. They refused to adjust it. I requested they call my tax assessor directly to verify. They refuse to do so. 
I feel they are being fraudulent and refusing to assist me with my loan. They have taken my money without applying it to my account. They are overcharging my property taxes. Please help me to resolve this.
Consumer complaint received 2022-07-21
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: SYNCHRONY FINANCIAL (FL)

hi On XX/XX/XXXX, when I checked my XXXX account, I see that there are XXXX charges each for XXXX usd to a company called XXXX, to which I did not make that purchase and I do not know which company the credit company is, first I remove the charges and then He put them back in my account alleging my responsibility later I contacted them and they told me to make a report to the police and so I did but later they put the charges back in my account and time has passed the charges are XXXX for the same company XXXX more for that company XXXX more for that company and XXXX as a gif as if I had so much money, that is, a total of XXXX usd I know and I am sure that I have not made that purchase I am retired and my withdrawal is XXXX usd and I can not afford to incur that type of expense. I would never want them to help me with legal advice since I can not afford a lawyer to resolve this case. 
waiting for your help XXXX XXXX
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (IA)

XX/XX/XXXX at XXXX I did a manual translation for {$450.00} and another manual transaction for {$110.00} at XXXX. I did these transactions manually as the customers entered the card information not me. All my transactions are legit not theft, fraud or money laundering. They have yet to give me a reason for closing my account after I asked twice and they are also saying they wont give my money until XXXX days after XX/XX/XXXX. Why is square holding my money this long? Why did you guys close my account? Im so confused Ive been using square for about XXXX years.
Consumer complaint received 2019-03-22
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 have been the victim of identity theft and my information has been used to obtain serves several times in the past without my knowledge. These three accounts were already been addresses with years ago as identity theft but now a new company has put them on my credit they are not mine. The accounts are : 1. XXXX XXXX Account # XXXX  ( Amount {$1000.00} ) 2. XXXX XXXX Account # XXXX  ( Amount {$970.00} ) 3. XXXX XXXX Account # XXXX ( Amount {$970.00} )
Consumer complaint received 2017-09-18
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. (MO)

On XX/XX/2017 I discovered a fraudulent tradeline from a collection agency ( XXXX XXXX ) originating from " XXXX XXXX '' on my TransUnion credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). This debt is not mine, I do not know where the debt originated. I can presume it is related to the fraudulent names and phone numbers on my credit report, but I do not know for sure. 

I also noticed that the TransUnion credit report XXXX XXXX was illegally permitted to access my credit report for an allegedly " permissible use '' of debt collection. This is especially specious given the clearly fraudulent name that appears to be the source of this alleged debt.
Consumer complaint received 2017-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called XXXX XXXX XXXX Bank several of times and spoke to different managers and filed a complaint with them multiple times about the inquiry that they have put on my TransUnion credit file on XXXX/XXXX/XXXX, a member of their branch office which pressured me while I was there inquiring about some fees that I was being charged for. 
When I was there the lady assured me an approval for a new credit card, she was pressuring me to do something that I was not wanting to do. She asked what my credit score was and she tried getting me a new credit card, I told my score was low but she said do n't worry its good enough, she said you will be approved for a new card with that score, she came back and said you will get something in the mail. 
After trying to resolve this now I 'm filing a further complaint.
Consumer complaint received 2022-11-30
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. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-22
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. (AZ)

Equifax and XXXX are incorrectly reporting me 120 days past due on the XXXX ( starting on page 14 of the attached credit report ) - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX  are incorrectly reporting me 60 days past due on the XXXX XXXX ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX  are incorectly reporting me 30 days past due on the XXXX ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 30 - 120  days late on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2022-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Uplift, Inc (PA)

Uplift.com financed a trip I took with XXXX XXXX XXXX in XX/XX/2022. 
I had issues onboard and tried to get XXXX to refund my cruise due to my issue. 
Notified Uplift about the issue -- nothing done See attached for more info