davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

Mailed full payment for XXXX XXXX. We mailed it XXXX XXXX and they called XXXX XXXX claiming never received it. 
This has happened again for XXXX of XXXX, so we call to ask for assistance and unable to get customer service representative to speak to. I went online to make payment electronicly. I payed XXXX XXXX along with late charges and {$10.00} fee to pay online. I also made XXXX XXXX payment electronicly at same time but had to wait 12 hours for fist transaction to go thru. After patiently making second payment for XXXX and paying another {$10.00} fee it showed payment made as of XX/XX/XXXX. I do have a copy showing proof. Now it 's XXXX XXXX and the money never come out of out account and I depose I will be asked to pay another late fees. Please help me. I feel abused and very frustrated. I have always paid my bills ahead of time and this " Loancare '' lending service is destroying my perfect record. This is not fair, and if I can be part of a lawsuit against them please count me in. I will start a lawsuit if they do n't fix this immediately. Thank You- XXXX XXXX in Wisconsin XXXX
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (UT)

Equifax mishandled my information via a publicly announced hack of over 140 million records, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

I am writing to file a formal complaint against Cash App regarding fraudulent charges made to my account on XX/XX/scrub> 2024. Someone gained unauthorized access to my Cash App account and made multiple fraudulent charges. Upon discovering these charges, I immediately reviewed my transaction history and found several unauthorized transactions to merchants with whom I have never conducted business. 

I promptly disputed these charges on XX/XX/year>2024, but encountered difficulty in reaching Cash App 's customer support. Despite my attempts to contact them, I was informed that they have limited availability for assistance. The funds that were fraudulently taken from my account were essential for paying bills. Despite my numerous attempts to resolve the issue, Cash App 's customer service representatives were unhelpful and instructed me to dispute each charge separately. 

Furthermore, on XX/XX/XXXX, I received an email requesting verification of my account through the app using my driver 's license. However, upon attempting to verify my identity by taking a photo of my face, the app stated it could not verify me. I believe this was discriminatory as my appearance has changed since the photo on my license was taken. Despite providing additional verification through email, Cash App closed my account without attempting to verify my identity again. 

I have contacted Cash App support multiple times regarding this matter, yet they have not addressed my concerns or refunded the fraudulent charges totaling over {$1000.00}. This situation has caused significant financial strain as Cash App is where I typically receive my deposits, including early direct deposits. 

I urge the Better Business Bureau to investigate this matter and ensure that Cash App takes appropriate action to refund the fraudulent charges and improve their customer service procedures to prevent such incidents from occurring in the future. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Experian recently investigated an account on my credit report. I disagree with the findings and the fact that the account is still on my report. This account is affecting my ability to obtain credit due to its inaccuracy. Please promptly Re-Investigate the following account XXXX XXXX XXXXXXXX. Please act in accordance with the Fair Credit Reporting Act, Public law 91-508, Title VI- Section 611 ( a-d ) when dealing with this matter. After investigation is finished please provide me with all business names and addresses that you used to verify this information so that I can follow up with them to verify. Thank You
Consumer complaint received 2019-10-25
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. (SC)

PLEASE SEE ATTACHED. THIRD LETTER TO EACH AGENCY. IM TIRED OF THE RUN AROUND AND BEING TOLD MY DISPUTES AND CLAIMS HAVEN'T BEEN RECEIVED. IM TIRED OF SPEAKING TO REPS IN XXXX WHO I HAVE TO EXPLAIN EVERYTHING FROM SCRATCH EVERY TIME IM TRANSFERRED. THIS PERSONAL AND SENSITIVE INFORMATION SHOULDNT BE OUTSOURCED SO FREELY.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Earlier this year ( 2017 ) my identity was stolen and the cause was unknown. In light of the recent news with Equifax and the breach of over 143 million SSN 's, according to the Equifax verification website, my SSN and my wife 's is impacted by the breach. 

I have had several un-authorized accounts opened in my name and have spent countless hours correcting these un-authorized activities. Presently, I am disputing an account with a collections agency that is currently pending. My credit has been frozen with Equifax and XXXX XXXX, but I have been unable to successfully freeze my credit with XXXX at this time.
Consumer complaint received 2023-04-01
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. (SC)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax has grossly mishandled mine and millions of others ' critical personal information and has put my identity and financial well-being at a huge risk of compromise. Equifax also took an inexcusable amount of time -- over a month -- to release information about such a disastrous breach.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (NV)

Equifax Inc. suffered a cyberattack that affected 143 million U.S. customers with some people in other countries as well. I am one of those people. I visited www.equifaxsecurity2017.com and it said I was a potential victim. I feel they have mishandled my information and used it improperly by securing it in such a poor way. A major credit bureau should have an extreme detail to their cyber security and Equfax failed.
Consumer complaint received 2017-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (FL)

My current mortgage payment is XXXX a month which includes putting money in to escrow. When I closed on my house we had closing costs and that should have covered this year towards insurance and taxes. Now my mortgage company is saying there is a shortage in my escrow and they are moving my payment up to XXXX. My insurance and property tax appear to be the same so this means my mortgage company never quoted me right and we bought the house know we could only afford XXXX a month for a mortgage.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (MT)

Equifax was breached and my information, according to the website, " may be impacted ''. They failed to disclose this in a timely matter and are leaving the protecting of my information in my hands rather than actively protecting their customers.
Consumer complaint received 2017-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been trying to work with customer service on multiple occasions to get validation of inquires that have been placed on my report. I have also attempted to contact some of the companies that are listed on my report as inquires but have had no success. The customer service reps have been unhelpful in assisting me in removing duplicate and inaccurate inquires and constantly transferring me to multiple representatives resulting in no correction. Please validate the inquires listed on my credit report or remove them within 30 days as some sure have been added in error or without authorization.
Consumer complaint received 2022-03-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (NJ)

Santander Consumer USA Acct # XXXX $ XXXX IRS Publications 4681 ( 2021 ) Canceled Debt, Foreclosure, Repossession, and Abandonments. IRS clearly defines a charge-off as a gross or ordinary income. Income does not get reported on the consumer report which in fact Santander is reporting. Santander is reporting as well they sold the debt to a third party and they are reporting as well. 


15 US Code 1681n Civil Liability for willful non-compliance A- ( A ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER DUTY AS A RESULT OF FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}, OR ( B ) CIVIL LIABILITY FOR KNOWING NONCOMPLIANCE ANY PERSON WHO OBTAINS A CONSUMER REPORT FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWINGLY WITHOUT A PERMISSIBLE PURPOSE SHALL BE LIABLE TO THE CONSUMER REPORTING AGENCY FOR ACTUAL DAMAGES SUSTAINED BY THE CONSUMER REPORTING AGENCY OR {$1000.00}, WHICHEVER IS GREATER. 
C- Reporting information with actual knowledge of errors
Consumer complaint received 2017-10-17
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: BANCO POPULAR DE PUERTO RICO (NY)

I attempted to open a credit card with XXXX XXXX in XXXX XXXX. When I did not receive my credit card in XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XXXX XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (OH)

I am enrolled in the save plan. My monthly payment is {$0.00}, so my credit score should not drop XXXX points every month when i dont make a payment. In XXXX it dropped XXXX points, and in februrary it dropped again XXXX points. Somewhere between the credit reporting agencies and the student loan people there is a glitch it picks up the interest and reports it back as a negative balance essentially. The credit reporting agencies wont acknowledge it, and the student loan servicer sad " then pay the interest monthly and that wont happen ''. But if I am not required to make a payment then my score should not be impacted negativly. Their save plan is not advertised that way and does not meet the expectations of the consumer. I called the credit agency and they are not being helpful.
Consumer complaint received 2019-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

AFFIDAVIT I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. 

My name is : XXXX XXXX XXXX File Number : XXXX ( Trans Union ) Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (MO)

Equifax mishandled personal information, which puts me and thousands of other at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2024-10-14
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. (NV)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-10-14
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX XXXXXXXX, has violated my rights 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 furmish a account without my written instructions
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SIMMONS FIRST NATIONAL CORPORATION (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX : SIMMONS BANK Account # XXXX XXXX XXXX  XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by SIMMONS BANK Account # XXXX XXXX XXXX  XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2020-06-22
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. (GA)

I have made all the right attempts to have these fraudulent accounts removed from my credit files with all 3 bureaus ... I have never file BANKRUPTCY yet these accounts are posted to my credit file ... my file is thin and has always been ... I have never had many credit accounts ... these are fraudulent .... 

BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX {$560.00} none of this makes sense!!