davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX  that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a few complaints that I am submitting about XXXX  credit reporting agency. The first issue I have is XXXX XXXX XXXX that is reporting as a charge off account I have submitted a police report years ago about this account was involved with identity theft. I also submitted recently an affidavit for this account again. My next complaint is about XXXX account this account was paid off in full in 2015 in the amount of {$380.00} My next issue is XXXX  XXXX XXXX XXXX that has been removed and deleted off my report but now is reporting again. This account was verified to be removed it should not have been put back onto my report.
Consumer complaint received 2020-12-28
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. (WA)

XXXX XXXX should not be reporting to XXXX ; XXXX  and Transunion that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Step 1 - Equifax appears to be hiding my Credit report from Me and from those who pull my credit report. I have had several people tell me when they look at my Equifax credit there is nothing. My subscription to MyEquifax.com and XXXX revealed the same thing. None of my current items appear on my report. 


Step 2 I am having problems with Equifax getting a full copy of my credit report and having companies who pull my credit having the same problem. 


Step 3 I placed several calls regarding the issue. The first time I called the Equifax rep told me after verifying my new credit as of XX/XX/2020. Told me he would send me a report containing the full credit file. What I received was a report that said WE ARE UNABLE TO COMBINE YOUR MULTIPLE FILES DUE TO AMOUNT OF DATA IN EACH. 


I called approximately three or four times. The second Equifax rep. told me that I had two reports and it was a simple matter of merging the reports. While being transferred to the appropriate dept. with the Customer service rep. on the phone, I was disconnected or hung upon. It was a 20 minute plus call. 


Needless to say, after several attempts including speaking to a supervisor the last Equifax rep. I spoke to again told me that I had two reports but it was due to the fact that I had two addresses on file one for : XXXX XXXX XXXX XXXX &. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA XXXX I informed her they were the same place as XXXX XXXX is a subdivision of XXXX XXXX. I was instructed to fax a letter stating that they were the same address along with my ID and Social security card copies. And then once that was noted in my file the reports would be merged. 


To this day I am still receiving the WE ARE UNABLE TO COMBINE YOUR MULTIPLE FILES DUE TO AMOUNT OF DATA IN EACH. I can get no answers nor appropriate action or a solution to my dilemma. 


I am including the faxes I sent to Equifax as a detailed record of my attempts and copies of the reports I received from Equifax as well as copies I received from XXXX and myEquifax.com for my Equifax credit file. Please forgive my language of frustration. 


Step 4 - The complaint is about Equifax and their mishandling and misreporting of my credit file. 


Step 5 Equifax Customer Service and Equifax Management. The last Equifax customer service rep. I spoke to was named XXXX. They do not give out their last names.
Consumer complaint received 2020-12-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (FL)

I refinanced my mortgage with Alliant Credit Union XXXX. I am owed several XXXX dollars of escrow funds back that were withheld from my mortgage payment to pay taxes and insurance. The customer service line wont provide me with an accounting or itemization of that account and return the funds. I thought there were federal rules requiring any excess account amounts from escrow to be returned to the borrower within 30 days. My closing date was on XX/XX/XXXX. It has been almost 8 weeks.
Consumer complaint received 2020-11-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

My complain concerns the service provided by the Citibank, branch - CITI SECURITIES SERVICES OPERATIONS XXXX. 
On XX/XX/2020 I made an international wire from my XXXX XXXX  account in the XXXX ( XXXX ) to the XXXX XXXX ( XXXX ). The transfer went via the correspondent banks - XXXX ( XXXX, XXXX ) and Citibank ( US ) - to the beneficiary bank in XXXX. On XX/XX/XXXX the funds were not delivered to the beneficiary and I initiated the investigation through the XXXX client service. The correspondent bank XXXX presented the proofs that the funds were sent to the Citibank that should have sent them farther to the XXXX XXXX with the particular SPEI number. { SPEI is an electronic funds transfer system owned and operated by XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX. This system was developed to facilitate payments between financial institutions, in addition to enabling them to offer safe and efficient retail payment services to the public. } I provided XXXX instructions and the SPEI number to the XXXX to make the investigation possible from the side of the beneficiary bank. However, the beneficiary bank couldn't find the funds with all these data. Moreover, the database of SPEI number managed by the XXXX XXXX  XXXX  XXXX  doesn't contain this SPEI number provided by the Citibank. The XXXX investigation team requested the confirmation of transfer from the Citibank. There was no response. 
On XX/XX/XXXX I requested the recall of the transfer from XXXX. The bank launched the recall procedure by contacting the correspondent banks and the beneficiary bank. The Citibank was the only bank in the chain that didn't respond to the XXXX. As a result, the funds are still not found, the Citibank doesn't support to do the investigation. 
I am not entitled to apply to the Citibank as I am not a client.
Consumer complaint received 2020-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

I tried to use my XXXX  device to login to my cash app and I verified with SMS and Email upon login. Even though I did that I still could not make purchases or send ANY money from my new device although I was on my home network and I didn't purchase anything extremely out of the ordinary. So I try to send a friend XXXX $ and Cashapp ( Square Inc. ) asks that I send from my mobile device ( which I could not do which is why I was on my XXXX in the first place ). After this I was given no opportunity to verify myself further. I attempted to use  my card for a XXXX $ and XXXX $ dollar purchase at a local cookies store and they blocked this payment too even though I eat there regularly. Shortly after my purchase declined ( even though my balance was XXXX $ ). Then I receive an email telling me my account has been locked for my protection. This is not fair as I now can not spend my own money because Cashapp ( Square Inc. ) uses a bot to detect fraud not manual review. I have also searched for solutions from people who have experienced similar troubles with Cashapp and they all have said Cashapp has not helped them with the problem after MONTHS. I am not in a financial position to go back and forth with Cashapp 's bot support system for let alone one day.
Consumer complaint received 2021-08-28
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. (FL)

My natural inalienable XXXX given rights are being violated pursuant 15usc1681c-2 by all three credit reporting agencies. ( XXXX, Equifax, and XXXX ) Each agency which has no authority granted by Congress to report any of my information being a private Man, further more without my express written consent. 

But on the XXXX day of XXXX in the year XX/XX/XXXX all agencies received by certified USPS an FTC identity theft report along with a written order to block and remove those accounts and information in accordance with FEDERAL LAW pursuant 15usc1681c-2. ( Please see attachments ) ( My request did not meet the criteria to decline or rescind, according to 1681c-2. ) It has now been 6 days from the date of each agency signing for my order, and I am with the understanding after 4 days of receipt without verification of mentioned accounts they are to be removed. After several conversations with each agency, I was informed by them all that they have started an investigation and dispute process according to their " Agencies Regulations. '' The deceitful language being used implies that their inhouse corporate regulations supersede and outweigh the ruling authority of the FCRA. 

1. I did not give express written consent to start a dispute. They did not receive dispute letters.

2. Never gave express written consent for the initial reporting of anything being reported, factual or not!

2. If it is my responsibility and no one else to protect my faculties, that including fair credit reporting, makes it is also my duty to expose those who take an unfair advantage of my rights as Man. 

Although Exhibit B is titled Transunion be not mislead, each individual agency received their own personalized FTC Report and Cover letter.
Consumer complaint received 2020-12-27
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-09-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (ID)

XXXX. I was mislead by a scammer on the internet posing as someone who wanted to help a college student financially by sending me money. They first " got to know me '' and then said I would get an allowance of XXXX $ a week, just for companionship and talking with them. He then had me do an " errand ''. He sent me a check for {$2500.00} and asked me to deposit {$2200.00} of it into Cash App. Somewhat suspicious, I called my bank and ask if the check cleared. They said yes ( little did I know a check can take weeks to clear ). After I deposited the money into CashApp and sent it to the username on CashApp of " XXXX XXXX '' ( who also had another account " XXXX XXXX ''. I was extremely suspicious. I looked on the check that was sent and called the bank which is was from. I asked them if the listed account number had funds available and they said no. That is when I knew it was a fake check. So basically they gave me a fake check, had me transfer the fake money into a third party cash website, and I am left to pay the {$2200.00} back to the bank. I have contacted CashApp Support an insane amount of times, asking that they please refund my transactions, because they were a scam. Notoriously, they did not respond. Many forum pages talk about how bad Cash App is about scams and dealing with them, and they feel no responsibility toward victims of internet crime. I should have got my money back under the " Merchant didn't hold his end of the bargain rule '' by default, by providing no service, no product, except stealing my money. I emailed CashApp multiple times regarding this issue just to get an automated " sorry, nothing we can do '' message. Taking the loss for the scam is going to seriously damage me financially. Please Help.
Consumer complaint received 2018-01-03
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: CL Holdings LLC (CA)

Never got a account with The creditor and stablish credit with or card or i was bill for it However, i was found out that a 3rd party collection company reported me late with a balance of {$97.00} Jeopardizing my ability to obtain credit somewhere else This a real violation of my consumer rights and fair credit act I called XXXX on XX/XX/XXXX @ XXXX and spoke with credit representative XXXX XXXX Who confirmed that I never had any credit or nay relationship with the creditor And even had different address shown on their data base confirming that person was NOT me Rep recommended to have a direct dispute with the 3rd party agency since the account was wrongfully Charged off
Consumer complaint received 2020-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

On XX/XX/2020 I used a nail salon with a Cash App account XXXX. I mistakenly sent cash to XXXX. The owner immediately let me know it was the wrong account and I cancelled the payment and received a confirmation from Cash App that the transaction was cancelled ( see attached ). I then sent the cash to the correct account XXXX which Cash App also confirmed. When i looked at my bank account Cash App paid the correct person twice which is not what i did. I have emailed Cash App back and forth for a week. They kept trying to tell me that I made the second transaction which I didn't and have documents to prove it. When I ask them to show me any documentation that proves I made the second transaction, I haven't heard from them.
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

Access to my two accounts, one personal and one a d/b/a/ XXXX  account, was completely blocked on XX/XX/2021 until I was ... forced ... to agree to electronic communication and a lengthy terms and conditions agreement, as part of the consolidation of BB & T Bank and Suntrust Bank . 

The lengthy agreement is something that should be reviewed by a lawyer. 

The electronic communications agreement includes text messaging. I do not text. Just as with 27.5 million other American adults I use a flip phone. This is something I've called to the attention of BB & T on, at least, two other occasions.

There is no way to modify the " agreements '' especially the one dealing with electronic communication. That means that customers can not access their accounts without surrendering their control of their own XXXX.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted all the proper identity theft documents including a police report and identity theft affidavit back on XX/XX/2020. I have proof of the certified mail receipts showing the dates received by all 3 bureaus ... .nothing was done.The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

Am having 4 issues with my chase checking and savings accounts.

1. they started charging me {$6.00} on a no fee checking account last month 2. they are now putting holds on 2 checks i deposited today. one from XXXX XXXX for {$500.00} and one from XXXX back for {$0.00}. yes i know crazy that XXXX would send a check for XXXX XXXX. the first {$500.00} is supposed to be immediately available 3. I was logged into my chase checking account when i opened my chase savings account. according to there website at signup time i was supposed to receive twice as much interest on my savings as they are paying me. they refused to resolve this at the bank a number of months ago nor could the rep who called me about it fix it unless i went to the branch which said they could not fix it and that some one would call me.

4. I am not getting interest on my checking account like they said i would receive if i opened a savings account with more then $ XXXX.
Consumer complaint received 2020-12-28
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: Bread Financial Holdings, Inc. (GA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-27
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.