davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2023-06-23
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. (TX)

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 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2023-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (GA)

Fay Servicing committed mortgage fraud and identity theft against me by using fraudulent documents to foreclose on my home that I have no mortgage on. I've called Fay Servicing, emailed them and sent them letters explaining to them that they were illegally foreclosing on my home and they knowingly and willingly foreclosed on my property causing me to lose my home.
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00}
Consumer complaint received 2023-08-14
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: LEXISNEXIS (NY)

I was given a higher undesirable XXXX XXXX XXXX Quote on XX/XX/XXXX and again XX/XX/2023. Both times LexisNexis provided a Credit Type Auto Report to XXXX XXXX XXXX that caused the high rate quote. LexisNexis has no way to get the report on the Internet stating to call them at XXXX -- XXXX. Upon calling LexisNexis Recording states use the Internet Site. They pass me back and forth with no resolve. No human contact is possible at LexisNexis. 

LexisNexis lied to Federal CFPB and said they did not know me in a response in Case # XXXX and the employee ( name and phone number hidden ) at CFPB closed my case even thou I was given no opportunity to respond to the LexisNexis lies . 

Likewise at LexisNexis, no name or contact information to the cubical, or even direct e-mail address, was given in the response given to CFPB by the LexisNexis respondent. 

Since the unknow employee at CFPB closed my case recklessly and prematurely I have no choice but to file another case in the hope that a different and more competent employee who does not hide their name and contact phone number to their office cubicle will get me my negative credit reports that LexisNexis gave to XXXX XXXX XXXX on XX/XX/XXXX and again XX/XX/2023.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/22 I was contacted by a person impersonating a real cop from my town saying that I had not shown up for court for one of my juvenile clients ( I'm a therapist ) despite signing a court summons. I went into panic mode XXXX  I have a professional license that any kind of misdemeanor can mean it gets revoked and I no longer have a job. The person sounded like an XXXX XXXX ( not foreign ) and called from a number that said " XXXX XXXX '' on it. He threatened me with criminal charges if I didn't pay the " bond '' fees for the charges against me until I was back in town ( I was out of town when this scammer called me ) and could prove I hadn't signed the court summons. Long story short - he got XXXX out of me ; looking back, I realize how stupid I was, but I'm new to my job and messing up by not being somewhere I was supposed to be ( like in court for one of my juvenile clients ) wasn't out of the realm of possibilities. He defrauded me by pretending to be a cop, and now the bank won't refund the money I lost saying that it was an authorized transaction. But is it really authorized if it was under duress and fraudulent? I disputed the charges on XX/XX/22 and they must have denied it immediately ( i never got an email ). When I called them to check the status, they told me I should have gotten an email about it. While on the phone, I asked if they would reconsider, and they said no - their decision was final. XXXX is nothing to this bank, but it's a lot for me and my family. I've already filed a police report. I know I was stupid, and I've learned my lesson, but I just think the bank is being unfair in this situation. If I had called and lied and said that someone broke into my phone and completed the charges, would they refund then? I don't understand the logic- it was a transaction that was obtained through means of fraud, impersonating an XXXX ( a real one that actually works in my town! ), and threat to my livelihood. Please, I am begging you. Please help.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (FL)

Dear Experian, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1.Account Name : XXXX XXXX XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2022-07-18
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. (AR)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Amount- {$6300.00} I do not know this company my Identity has been stolen and compromised. I have filed an Identity theft report with the creditor. I did not authorize my signature on any documents for this debt noted.
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NE)

I became aware of a fraud account under my name with Cashapp when I tried to sponsor my daughter 's cashapp account, because the app gave me an error message that I reached my sponsor limit. Yet, I have not ever sponsored any account through Cashapp. 
Yesterday, XXXX XXXX, XXXX, I was repeatedly being hung up on when asking for a XXXX or asking for help understanding why this error was stating I reached my limit across all cashapp accounts, but I have not ever sponsored any cashapp account. Cashapp kept refusing to explain & would hang up on me. Also, yesterday, through emails, Cashapp continued to refuse to help or investigate my issue. 
I finally got through to a XXXX named XXXX, after a couple of hours of being hung up on. While on the phone with the XXXX XXXX, he told to me that there is another account, in my name, that was sponsoring XXXX other accounts. This was an old account that I had not been able to access since around XX/XX/XXXX, therefore all the activity in that account since XX/XX/XXXX is fraud & identity theft. After being told about the activity on this old account, I have repeatedly tried to report the fraud & identity theft regarding this old account, that I had only gained access to with XXXX XXXX 's help when he transferred my phone number to that old account for me. Once I gained access to that old account, on XXXX XXXX, XXXX, I closed that account, because the Cashapp XXXX told me to delete that old account & then I would be able to sponsor my daughter 's account. 
I have been trying to resolve the issue with Cashapp on their chat service through the app, through emails, & over the phone, but Cashapp has kept refusing to help me resolve the issue, has refused to take my complaint or investigate my issue. Cashapp has hang up on me nearly every time I asked for a XXXX or tried to report the fraud account. In emails, Cashapp has downright refused to offer any help & wouldn't investigate my issue or file a complaint. 
Now, today, XX/XX/XXXX, I'm still getting the error message that I've reached my sponsor limit, I reached out to Cashapp again & again about the issue through phone calls & emails. Again I was hung up on mulitple times & had an extremely hard time trying to reach a XXXX, & Cashapp continued to not listen to me or offer any help with my issue.
Consumer complaint received 2023-07-05
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Home Headquarters Inc (NY)

My Mortgage ( since XX/XX/XXXX ) is with Home Headquarters Inc. 
XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX They have not been reporting my mortgage and payment history for the length of my mortgage. 
When I call and email them, they state that they have been reporting it since XXXX.
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (OH)

Got a {$500.00} loan, but due to fees and interest the total loan amount due is {$760.00}. It is more that the loan itself! How is this ok? I been making {$92.00} payments and something should be going down but its not. I am tired of being taken advantage of! And this is my hard earned money. This needs to stop!
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NM)

SENT SEVERAL BILL OF EXCHANGES AND 1099A COMPANY DID NOT SET OFF THE DEBT AND KEPT THE FINANCIAL INSTRUMENTS AND REPORTED ME TO THE CREDIT BUREAU 'S OF BEING LATE THE AMOUNT IS RAISING WITH FINANCE CHARGES AND LATE FEE 'S SENDING NUMURIOUS LETTERS REQUESTING PAYMENT AND THEY HAVE NUMURIOUS PAYMENTS BUT DID NOT APPLY TO THE ACCOUNT.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

On XX/XX/XXXX, I logged in to the site to pay my mortgage only to see a new {$7.00} service fee for online payments ( and apparently automated phone payments as well ). This had not been previously communicated. After some research on the site, it appeared to be tied to having not signed up for " paperless statements ''. This is something that was never encouraged, communicated, or made easy to figure out how to enable. 

However, once selected, it warns that it may take up to 3 days to take effect. There is no warning the service fee won't disappear. A call placed to the company offered only 2 real options - 1 ) pay a service fee to make and automated phone payment, or 2 ) talk to someone about refinancing my mortgage. After several loops through the phone tree, I disconnected without resolution. 

After logging in several more times on XX/XX/XXXX and XX/XX/XXXX still seeing the service fee, I eventually paid the mortgage and the service fee to avoid a more costly late payment fee.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (AZ)

I have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with IDme.gov sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over XXXX hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the dark web. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( XXXX hours ), that is to CITI and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterdayXX/XX/23on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( bachelors ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.
Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I have a secured account through XXXX the checks are secured good already pre posted and cleared, when I cash one at the bank or do a mobile deposit it is an immediate to one day credit deposit. Since banking with Wells Fargo I deposited two of these kind of checks # XXXX dated XX/XX/year> for {$400.00} & check # XXXX dated XX/XX/year> for $ XXXX Wells Fargo placed a hold on both checks that had already cleared then sent me emails stating returned, I never received the money in my account! There is other large deposits transfers from my cash app blessing accounts that do not reflect in my balance at Wells Fargo and the bankers never mention it to me. When I inquired the banker claimed to not know anything about the deposits. I have all the proof of the deposits posting and clearing on my end, attached is just one page of them there's more!
Consumer complaint received 2023-07-21
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. (OH)

Previous disputes with CFPB against Equifax where I supplied ALL the documentations they requested regarding an inquiry that was fraud on my credit file. Equifax response According to CFPB complaint # XXXX and complaint # XXXX NON REPORTING DISPUTES Inquiry : XXXX EMPLOYEES FEDERAL CREDIT XXXX XXXX XXXX XXXX XXXX NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Inquiry : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE BUT THE XXXX XXXX XXXX XXXX XXXX IS IN FACT STILL REPORTING. I AM GOING TO SUE EQUIFAX. Also the initial investigations TOOK WELL OVER 30 DAYS TO RESOLVE. They'll be hearing from me in court.
Consumer complaint received 2023-07-21
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. (FL)

Recently disputed this ( XXXX XXXX XXXX XXXX   ) which the company in itself if is violation because it is NOT licensed to collect debt in the state of Florida, also I have NEVER done business with this company, I have no KNOWLEDGE of the account or the amounts, account number consistently reporting to my credit report, it seems this company has stolen my information or has me confused with someone else! I have disputed this matter and it keeps coming back as accurate, but never any proof that I signed anything with this company proving I have debt with them or how it was verified, a bill isnt proof of accuracy nor stating the account as verified and updated shows proofI have reached out to the company and they have not provided proof of signature. MAXIMUM Accuracy has to be reported on a consumers credit report at all times and disputing violations!
Consumer complaint received 2023-06-22
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. (TX)

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 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (HI)

On XX/XX/XXXX I attempted to send my brother XXXX dollars through cashapp. A app where you can send money fast to a person. In paying off a credit bill to my mother and she changed who to send the money to. It was XXXX XXXX  Hawaii time. He said he did not get it. Plus to get it right away there is a XXXX dollar charge. So at XXXX I sent XXXX dollars and he said he did not get that. So at XXXX I sent XXXX again and still he did not get it. I tried again but cashapp cut me off. So I told my brother I would try the next day. On XX/XX/XXXX I tried again but this time I tried with a different debit card and when I applied it the other card said it was the same bank. That is impossible. So that's when I knee something was wrong. I took that card down immediately and checked my bank and my money was not there, a totally of XXXX dollars. Cashapp has given me XXXX dollars back. But I'm having a hard time getting XXXX dollars back. Twice they told me they sent me XXXX and almost XXXX dollars back but when I called my bank they have not receive my money at. I feel they lied to me twice. I've called numerous times and emailed numerous times and I need extra help. My bank is not helping at all. I asked them for a letterhead of the month of my statement and they sent me nothing with cash app charges in it. I was very mad about that plus they made me wait until the XXXX of the month to get and nothing is on it that I can us. But I have screenshots of everything. I can prove everything I say. 
If anything, this company is bad for business, when they gave the XXXX dollars they put it in my bank then they took it out of my bank. XXXX XXXX XXXXXXXX. 
XXXXXXXX XXXX XXXX XXXX