davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Home was damaged due to water pipe breaking in ceiling of second floor. Because damage exceeded XXXX, insurance company sent check to my mortgage company. 
All repairs have been completed and inspection done and confirmed by bank. They have refused to release the balance of my funds of aprox XXXX. I have spoken to and or emailed with so many different agents, that I have lost count. They say they will release funds if I provide them with a particular item then, request something totally different the next email. Everything is done and paid for, I have submitted copies of all payment and contractors paperwork. They still will not release the balance to me. It is causing a hardship as I paid out of my own funds to complete the work. The last phone conversation was with XXXX. She assured me the remaining funds would be release if I showed proof of payment to XXXX XXXX XXXX. That was done. Now a different agent is requesting something completely different and unnecessary. They even had paperwork from another claimants claim in my file and were asking me to provide contractor information of this claim ( from another state ) Took me a week to clear that mess up with them. It has been over 4months of dealing with this.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/2021 I received a call from Capital Ones fraud department, asking to verify my information on my employment to make sure I was eligible to receive the grants and eidl loans from the SBA. I spoke to the woman for XXXX minutes, she verified my information and said everything was good to go. On XX/XX/XXXX I received a {$14000.00} deposit for my eidl loan increase, the remainder of my total amount of {$19000.00}, my first amount was for {$4800.00} in XXXX or early XXXX. Prior to receiving the remainder of my loan I called and spoke to capital one again on XX/XX/2021 because I hadn't had my application approved by the SBA yet but the woman I spoke to previously, a month prior, already knew the amount I applied for so I was making sure they didn't mess anything up. They said that if I hadn't had my loan portal updated to approved then the deposit won't show as pending on my account, ok, fine, that makes sense, they said yet again that everything was fine. So on XX/XX/XXXX I received the call from the loan officer at the SBA and they approved my loan increase, I received the funds the XXXX of XXXX, like I said, then the next day at XXXX p.m. central time I received an email from Capital one that they had put a fraud hold on my account to verify my information and asked for tax returns and statements showing I received refunds, so I immediately sent it to them and after that I called them ... .yet again, only to get told that they're investigating me for fraud and should be cleared within XXXX business days. It's been a week. I have yet to hear anything back and have had literally every bill I have to pay returned because they've frozen my available {$7000.00} plus left in my account. Currently I am {$26000.00} overdrawn in an account that I used for everything because they put a {$34000.00} fraud hold on my account which is the total amount of the grants and eidl I received from the SBA. This is after they have talked to me twice before the hold and verified my information and said it was all ok.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$9800.00} ; US DEPT ED XXXX Balance XXXX {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-09-13
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (AL)

I bought a home in XXXX to XXXX XXXX XXXX alabama lease to own {$66.00}. 
I have made every payment never missed one. 
In XXXX he called and told me he had a XXXX XXXX I call chase bank, they would not talk to me until I had the last 4 numbers of his social securety so he gave it to me. 
When I called and spoke to a loan manger she said it was just getting ready to go into forcloreser even though I had been sending him checks .I called hom back he did not know where thr 3 checks where but would find them .So I called them back only to find out he had taken a XXXX loan on my property without my knowledge. the bank ( Chase ) and I sent him papers many times to transfer to my name he never answered. So I paided the {$1500.00} back payments and have been paying Chase bank every since then but they are in his name. And he I am 21 years later of making payments my balance is {$48.00}. 
I now have no air condition my central unit went out. I have XXXX. I work every day been at the same job 25 years plus. Cant get a new unit because they say I dont own home .Please help me.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX BANK XXXX XXXX Balance : {$27000.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

Dear XXXX XXXX or American Express Bluebird : AsAmericanExpress continually closed my requests by refusing to take further action to ascertain that my dispute is valid for my loss of a {$400.00} from a failed ATM machine, I again write to make a final request for further action and fair resolution. If my request is not reconsidered for a fair resolution, my last option regrettably will rely on legal assistance to help myself recover my loss or settle the dispute. Thank you for a reconsideration and look forward to your prompt reply and cooperation XXXX
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XXXX XXXX, my cell phone was lost at XXXX. I replaced cell phone and when I logged into my accounts ; The transactions I noticed were unauthorized I was able to cancel. and received credit. Then on XXXX I noticed until XX/XX/2022 I became aware the person who stole my cell phone had sent {$4200.00} to either themself or someone they know and had used my digital debt card and made purchases. I contacted customer support through my cash app support. The support representative stated there was no recourse to recover any money and sent me information on how to better protect my money. A couple of days later on XX/XX/XXXX contacted support again and once again i was told they can do nothing, to recover my money and to be more careful. After speaking with law enforcement and filling a police report, they informed me I could recover money because it was fraud and an unauthorized transaction. Therefore, I did my research and come to find out the same regulations govern cash app and I have zero liability to unauthorized transactions. Once informed with information, I contacted cash app support. This time, I stated I knew the regulations and I could dispute charges. Only then was I able to dispute charges, but I have still been unable to dispute the {$4200.00} transaction. Nor do I have a card ending XXXX Cash App intentionally gave me false information, which prevented me from filling a claim on the unauthorized transactions. I still can not file a claim for XX/XX/XXXX XXXX XXXX XXXX - {$4200.00} Further, the transactions I have been able to make a claim on listed below : THE XXXX XXXX - {$96.00} Debit XXXX XX/XX/XXXX Cash Card THE XXXX XXXX  - {$67.00} Cash app has sent me two emails stating my claims where approved and I received credit, but I have received no credit to my account. I have contacted them many of times. Each time support states my account was credited, I then provide them a screenshot of my account proving I did not receive credit and conversation abruptly ends with no resolve. Upon checking with the merchants they have all stated the charges were credited back to my account.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX OF XXXX CARD XXXX As well as the XXXX XXXX card if it changed at all it should reflect open It's the same Bank THIS ACCOUNT IS IM USE HEAVILY AND RECENTLY AND HAS NEVER BEEN CLOSED NOR DID I REQUEST IT TO BE. THERE WAS CLEARLY A MISCOMMUNICATION. 

I have reported this account and no one seems to understand what I'm saying. You can't update it anymore there are XXXX changes to be made BUT the only request I have.
Consumer complaint received 2022-07-22
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. (NC)

I was surprised when I saw my Credit File reporting accounts t hat I never knew or heard of. Upon further inspection, I realized that these accounts are fraudulent information reporting on my Credit report. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX : {$2400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$510.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) XXXX XXXX : {$710.00} Date Opened : XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-10-12
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-10-06
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Hi, I have tried to resolve this problem with Chex systems for a while now, and this company still refuses to remove this information from there reporting systems. I have consistently sent certified letters asking this company to send me information that validates that this is a debt that I owe. They have sent me bank account information, a bank printout, and no real validation that I owe this company any money and that thus is my debt. I have repeatedly asked these people to remove this information from my record, and that these charges were not made by me and this is not a debt that I owe. The company on numerous occasions failed to provide this information and continue to state that hey are waiting on XXXX  XXXX XXXX to send more validation, and etc. This again is not acceptable. I have been fighting to regain my identity that of which was stolen from me, and this company could care less, and there intent is to continue to provide false information in the chex system report under my name. The company that they are reporting as account abuse is with XXXX  XXXX XXXX in the amount of {$4600.00} they are reporting this information under my name and SSN and thus is inaccurate. I am a victim of identity theft and the report is attached. I want this company to delete this inaccurate information from my chex systems report immediately. My account number with the FTC- Federal Trade Commission is # XXXX and my Police Report Case number is XXXX
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (GA)

On XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, GA XXXX for XXXX the vehicle was later voluntary repossessed and subsequently sold. I was never notified about the price of the vehicle which was later charged off. I requested several times for sell date and sell amount. I later have several different balances that I was informed that I am currently being charged for with not detailed legal amount. Those amounts are XXXX and a initial amount of XXXX which I know is incorrect. I would like for you to remove this incorrect data which has impeding me from obtaining any credit for erroneous information which was never provided to me in accordance FCRA, and FATA. Thank you and please update and correct and remove. 

thank you XXXX XXXX.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$230.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX Balance : {$230.00}
Consumer complaint received 2022-09-21
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. (NJ)

In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX. 

Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX  XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX & XXXX ) Account Name : XXXX  XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXXn ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  XXXX account number XXXX ) XXXX XXXX XXXX  Section XXXX A States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section : Also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer containing any of the following items of information. Any other adverse items of information other then records of convictions of crimes which antedates the report by more than 7 years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall notfurnish 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 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (MD)

I was notified about the amount of {$110.00} owed to XXXX by Sequium Asset Solutions in XX/XX/XXXX. I paid XXXX directly the entire amount owed on XX/XX/XXXX. I have proof of the paid account/account closure, dated XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, Sequium Asset Solutions, made additional debt collection efforts for a paid account by reporting these fully paid debts to XXXX and XXXX. These attempts to collect a debt that was already paid are affecting my ability to obtain mortgage loan approval.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and CAPITAL ONE BANK USA with no successful resolution. All 3 bureaus are me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

I have an issue with XXXX opening XXXX accounts in my name they have both been removed and then they put them back. 
Recently they sold the accounts to another collection company was never authorized. 
A credit card that was XXXX now showing XXXX XXXX and the XXXX XXXX that was XXXX XXXX now over XXXX XXXX. My credit was never that high to begin with. 
I have made several attempts to remove it and they take it off and put it back on again.