davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

I DID NOT AUTHORIZE THE INQUIRY FROM XXXX XXXX THAT IS NOW ON MY XXXX CREDIT REPORT. I APPLIED FOR AN AUTO LOAN FROM XXXX, AND THEY DID AN INQUIRY WHICH I AUTHORIZED. AT THAT TIME, THEY APPLIED FOR CREDIT IN MY NAME AT THE OTHER INSTITUTION. I DID NOT AUTHORIZE THEM TO DO THAT. SIMPLY PUT, THIS IS FRAUD. THE INQUIRY FROM XXXX IS VALID, BUT I WANT THE FRAUDULENT INQUIRY THAT WAS MADE IN MY NAME REMOVED, AND SANCTIONS AGAINST WHOEVER IS RESPONSIBLE FOR THIS ILLEGAL ACTIVITY. PLEASE RESPOND AS QUICKLY AS YOU ARE ABLE TO, SINCE MY ATTORNEY IS ALSO WAITING ON THE RESULTS OF YOUR INVESTIGATION.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

Hey on XX/XX/21 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 52 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 52 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I submitted a dispute with XXXX, Experian and XXXX reporting the total amount of credit available is wrong. I showed them the actual available amounts as listed with each company I have credit with and they refuse to change my information. 

I sent XXXX a letter and asked for an explanation two months ago and the never responded with anything I could understand in simple english. ( I did receive a thick envelope with all kinds of " legalese '' but it was just a form letter and did not address my issue ( s ).
Consumer complaint received 2017-04-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (CA)

This account is listed under XXXX SUPERIOR COURT claims I have a driving ticket debt of {$1400.00}. 
This account is listed under incorrect middle and last name and a address I never lived at. Also states it was a XXXX in 2010. I do not recall owning a XXXX. Please investigate this debt it does not belong to me.
Consumer complaint received 2024-02-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc. (NV)

On XX/XX/XXXX I received a push notification along with an email saying that a transaction was successful for a payment while I had the lock card feature enabled so I contacted cashapp and asked how this happened and they really didn't directly answer my question but they said that this can happen for instance at hotels and gas stations and I said no it's not either one and then they said that merchants can force transactions to go through which I then asked ok they tried to charge me for the same amount on XX/XX/XXXX twice and the lock feature was enabled but it was declined so then they told me that I needed to dispute the transaction then which I said I shouldn't have to when the lock card was enabled but they said that it didn't matter. Also note that the transaction does not show in transaction history as a successful transaction it shows as declined. I have more screenshots if you need them as well of my chat conversation with them regarding this matter.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I refinanced my mortgage in XXXX of XXXX. A few months later, a new servicing company, Mr. Cooper took over my loan. Around XX/XX/XXXX, I received a notice from Mr. Cooper that they sent a check to my insurance company to cover my impound account for homeowner 's insurance. I have never had impounds and my loan papers clearly stated as much. I called them and after a very long process involving me and my insurance agent, they agreed with me. I subsequently received a letter stating that they would begin charging me {$120.00} per month to recoup the impounds if I didn't send them the money back. I obtained the money back from my insurance company and sent Mr. Cooper the {$1500.00} they originally sent " on my behalf '' along with letter referencing my account. This month, they charged me {$120.00}. I checked my bank account and they had cashed the check for {$1500.00} weeks earlier. I called Mr. Cooper and they had " accidentally '' applied the money toward my loan. They told me I should have called and checked to see if they did it correctly. I have had to spend hours on the phone trying to straighten this problem out and get my money back and they don't seem to care. They arbitrarily take money without notice and I feel they need to be looked into. Many of my friends and neighbors have loans with Mr. Cooper now and no one is happy with the company and it's " service ''.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NC)

Despite being paid in full, Synchrony Bank continues to report to XXXX, XXXX, and XXXX that I have an unpaid balance with Lowes. I have a paid in full letter from Synchrony Bank, and have sent a copy of this letter to the credit bureaus, but Lowes simply will not allow this account to update as paid. Synchrony Bank is holding my credit file hostage by not reporting accurate information.
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

Sent money via Cash app for goods offered on XXXX by XXXX XXXX, and never received the goods. 
Cash app have not refunded the money and refuse to do so. 

I purchased pair of speakers on the app Offer up offered by XXXX XXXX XXXX. We agreed on the price of {$150.00} for them shipped to my address. 
He told me his name is XXXX XXXX and we started texting back and forth via text messages as well as on Offer Up. 
As of today XX/XX/2024 he has yet to ship them out with Varying excuses, all documented, to me. 
When I offered that we cancel the sale, and that he just refunds me the sum I paid him, more excuses followed and nothing has materialized. 
He has threatened me that if I contact law enforcement, it will only make matters worse for me and I'll never see the item. 
He sent me his home address via text : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX His phone number he's been texting me on is : XXXX His username on Cash app is XXXX XXXX XXXX  : XXXX XXXX I believe he hails from Kansas and has lived in FL, XXXX AZ and XXXX. All according to my texts, XXXX etc. 
Might all be a scam as well. 

There are XXXX different XXXX accounts showing his picture which corroborates with both his Cash App picture and his Offer Up picture. 

I've contacted both apps : Cash App and Offer Up and filed scam reports with both. 


I know this is not a large sum of cash, but nevertheless it is an online fraud/scam and I would like either my goods or a full refund of the sum I've paid. 
I would be willing to cooperate and even prosecute if need be. 

My phone number is XXXX Email - XXXX Thanks in advance for your support.
Consumer complaint received 2017-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

In XXXX XXXX, I received a copy of my credit report, in detailed it showed a collection from a third party company called Fair Collections and Out. This debt collector reported that I owe {$3300.00}. Consequently, this is a false attempt to collect a debt that was stolen from the original company- XXXX XXXX who did not solicit or file with Fair Collections and Out. When I spoke with XXXX the leasing agent from XXXX XXXX he stated, " He was not aware that XXXX XXXX had filed any actions against the account. '' In XXXX XXXX, myself and my roommate moved out of the apartment due to a fraudulent check that was written on the account. XXXX stated, " if we left before XXXX and did not leave the place in disarray he would not file an eviction against us. Now a year later there is an attempt to collect a debt from an account that is reported as a XXXX balance. According to the last printout, myself and said roommate does not have any monetary obligations to this property. 

I have sent emails, letters to each credit bureau, and a formal letter to Fair Collections and Out asking that this debt be removed. I have not received any responses from the either company. I have not received any documents stating that this account is validated by XXXX XXXX. 

Please look at the bottom of XXXX and you will see that the balance is XXXX.
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

Cash App ..I Have Called About XXXX Times Within The Last 7 Days. In An Attempt To Transfer My Money Out Of Cash App To My Debit Card It Will Not Take. They Keep Telling Me To Switch Cards... When I Do Same Thing. Customer Service Agents Are Rude And Will Hangup on You. Help!!!
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Block, Inc. (TX)

XXXX cash app charged me to stay at a room XXXX then XXXX then XXXX after the expired time for a hotel to have a hold I called to have it removed the next day after the limited waiting time and it was charged immediately to my account from pending.
Consumer complaint received 2021-01-31
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mountain Land Collections, Inc. (UT)

I went to the doctors office monthly for XXXX medication and I didn't have a problem with the insurance, until they up charged me. Me, being the XXXX XXXX year old I was didn't notice and the front desk ladies at the doctor 's office said they would fix it. Well they didn't after I tried and tried several times. I trusted them and that was a mistake. They didn't communicate to me that I wasn't covered because I was scheduled for an hour long visit when all I needed was a med refill and I was never charged for an hour long visit before that. All of a sudden I received a collection in the mail. I had never gotten that before and I honestly thought it might be junk. But then I was getting bombarded with multiple phone calls a day. They called my work multiple times. I talked to the doctors office and again and I thought it was fixed because I never heard back from them. I had moved and was going to a different doctors office at that point. Things got serious a guy even came to my house and handed me Court papers. I argued and argued with the doctors office. Eventually we talked to the finance manager and he told us not to worry about it anymore so I didn't. That was 2 YEARS AGO! I didn't hear from the collection agency until a few months ago and they have been garnishing my wages. I have had the time to deal with them because I'm in school and working full time. I did not appreciate them taking my holiday pay. And now I'm struggling to find a car loan, they messed up my entire life and it's not helping during a pandemic when I don't know if I'll have a job or not. Please help get it off my credit score! I'm stressed. Also the garnishment papers, seem fake. The signature doesn't match the name. The court case number can't be looked up anywhere, especially the court that is listed. And they don't tell what I have left to pay. Nothing matches up.
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

We have been with Wells Fargo for decades.
The business accounts and personal accounts of myself and my 2 other business partners have all been closed by Wells Fargo. Worse, all of the accounts of our minor children and adult children have also been closed.
In all something like 20 to 25 accounts have been affected.
They refuse ( so far ) to explain why.
I am certain a mistake has been made somewhere. I run a good business and have done so for 27 years. I am 100 % certain that if we are told what the problem is, we can resolve it to anyone 's satisfaction.
However we are not being given a chance to explain. We have been told that we have 35 days ( from the date of the notice, now about 8 or 9 days old ) to find a new bank.
Somewhere, someone has made a terrible mistake.
Consumer complaint received 2020-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (HI)

Online access to my savings, checking, and credit card accounts was blocked by the company on XX/XX/2019. It has now been over two weeks since my online access was blocked. After multiple times contacting the company 's customer service, I was not given any information as to why the account was blocked, how to unblock the account, or how long the process would take. Each time I contacted the company, I was given a generic response to the effect of " someone will contact you '' and still have not been contacted by a bank representative.
Consumer complaint received 2019-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (NY)

I received a collection letter from American Coradius International LLC ( ACI ) stating that I owe XXXX {$480.00}. As of today I have a XXXX balance in my XXXX account. I called ACI to discuss the letter but my call was dropped before I could speak with a representative. I called XXXX and informed them of the letter and XXXX is investigating after confirming I owe XXXX no money.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2020-01-24
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: Neon Newco Corporation (TX)

I was contacted yesterday from a private number and they left me a voicemail stating that I owed money for an old payday loan and that they are threatening legal action against me. The number that they left to call back was XXXX. When I called the number I was told that XXXX county sent them my information in regards to a debt and that I would have to speak with a compliance officer in their office. When I asked where they were located the representative told me XXXX Georgia. So I asked her for an address and a contact number to the person who contacted me. She told me that they didnt have one. I told her that if they were looking for me they need to contact me and stop harassing my family and friends. She just kept saying they did not call me because they dont make outgoing calls in their office. Me and the rep kept going back and forth and she hung up on me when I told her they are just a call center. I called right back and demanded to speak with a supervisor. I spoke with the supervisor and asked her for a local number to call with an address since supposedly they are filing a court summons in my county. She told me they dont have contact information. She was very rude when I asked her how am I supposed to contact someone with no number? She told me I need to answer the phone when they call next time. I told her there is no number that shows up and my one doesnt ring when they contact. I just end up having a missed call from a private number and a voicemail threatening legal action against me. She then hung up on me. They had my address and everything.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MD)

Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XXXX XXXX closure of XXXX XXXX 3 colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX College where i attended took out several loans without my knowledge.clearly fraud was committed at this school.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Consumer Collection Management. Inc (MO)

I've tried to up date my address to XXXX XXXX XXXX XXXX XXXX XXXX M.O. they will not allow me I have sent disputes in from this address and there not accepting my dispute. There are several inaccurate unauthorized accounts and unverifiable accounts on my credit i filed a complaint before it was closed not resolved.
Consumer complaint received 2024-02-16
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. (MA)

I checked the balance on my card and saw that it was in the negatives but I didn't make any transactions. I double checked my transaction history and found nothing, I also called any companies or account holders I previously paid and they all verified there was no unknown transactions. I called and texted the customer service number for Cashapp since my visa is through their app, when i did get an answer they first told me to dispute the transaction made but there wasn't one. So I called again and was told they couldn't give me the information I was asking for. So far I have no answers as to why my money was taken and who took it.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Account Resolution Corporation (MO)

I've tried to up date my address to XXXX XXXX XXXX XXXX XXXX XXXX M.O. they will not allow me I have sent disputes in from this address and there not accepting my dispute. There are several inaccurate unauthorized accounts and unverifiable accounts on my credit i filed a complaint before it was closed not resolved.
Consumer complaint received 2020-01-24
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)

I was a victim of storm Sandy in NY in XXXX. Unfortunately that was followed by numerous incidents including but not limited to Home Invasion, Grand Larceny, Burglary followed by ( what I didn't know at the time ) Identity theft. 
I had numerous records and accounts that are associated with identity theft. Said account where opened without my permission and authority and I had no knowledge that these accounts ever existed until I started receiving notices of missed payments and my credit report reflected these negative account ( s ).

Police report was filed and submitted to all Credit reporting companies, however, no actions were taken by any of them in order to remove said derogatory information off my Credit Report. 
Furthermore, my Bankruptcy that was filed due to a lengthy and hideous divorce proceedings that started in XXXX in still on my records despite 7-10 years guidelines set by Rules and Regulations of CFBP. 
I respectfully request your assistance in resolving these issues and removing negative information off my Credit Report. 
Sincerely, Mr. XXXX XXXX
Consumer complaint received 2017-04-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (MN)

I have ebill and auto pay set up through USBank for my gap credit card. I have selected the option to pay the entire balance upon receipt of the bill. I noticed that two payments were made in a row for {$25.00}. I thought this was strange and investigated. In both cases they paid only the minimum payment and not the full balance as was requested. I incurred interest fees due to this. When I called USBank they confirmed that despite the settings that they offered me, I selected and they confirmed, that the option to pay the entire balance did not really exist for this vendor. This is completely false advertising and while it did not cause my major financial strain, it could result in large interest fees for other consumers. if this is a known issue, US Bank should be required to make their previous customers whole and STOP promoting this service until they can technically execute on it.