davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (SC)

I have a loan with NAVY FCU. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. They failed me!! I tried contacting both NAVY FCU AND ALL THREE BUREAUS with no successful resolution. There was definitely an error on their part. You guys are reporting late payments DIFFERENTLY FOR EVERY month for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! You have 120 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX and XXXX  and you have 150 days late FOR THE SAME MONTH! Well, which one is it? I was never 120 days late XX/XX/XXXX! You have 60 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have 90 days late for the SAME MONTH! Well, which one is it? You have 30 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have 60 days late FOR THE SAME MONTH! Well, which one is it? You have me on time XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX  and you have 30 days late FOR THE SAME MONTH! Well, which one is it? You have 30 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have on time. Well, which one is it? You have me on time XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have 30 days late for THE SAME MONTH!! Well, which one is it? THIS NEEDS TO BE REMOVED IMMEDIATELY because you have failed to report accurate information and by the FCRA YOU ARE REQUIRED TO DO SO!!!!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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 2020-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (NY)

I opened an XXXX mobile account on XX/XX/2020. I made my first transfer of {$150.00} to the XXXX account from my primary XXXX XXXX account on XX/XX/2020. And a second transfer on the following day, XX/XX/2020, of {$82.00}. There was no historical record or transaction confirmation provided by XXXX regarding my transactions which made me distrustful as it is hard to monitor money in this way and it also did not meet my needs. I decided to transfer my money ( the {$150.00}. and the {$82.00} ) back to my XXXX XXXX account but I couldn't because XXXX did not have the feature or capability to give me my money back. I emailed XXXX to get my money and I was told I had to get the money in my XXXX account through my XXXX  XXXX account. Really? I tried to do that but XXXX XXXX told me the only way I could do that was by opening a dispute. After months of investigation, I received an email from XXXX  XXXX now stating they can not get the money back from XXXX because they claim I made the transfer. I did make the transfer and then, wanted my money back and XXXX did not allow it in any way possible. 

It gets worse. Today, XX/XX/2020, after receiving the email from XXXX XXXX and speaking to them to no avail, I called XXXX and spoke to a representative named, XXXX, who stated my XXXX account was closed prematurely due to technical difficulties. XXXX continues to have my money ( {$150.00}. and {$82.00} ) in their possession and have not notified me of the account closing nor has contacted me to return my money. It is now, that I called that I find out all of these and have been given the option to have my money transferred back to my XXXX XXXX. This option is only available because my account was closed prematurely and I found XXXX out on their doing. WOW. Please investigate this institution as they have with confirmation committed fraud and potentially are committing fraud with hundreds of other accounts. They most not be operational.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

I received a Cash App Card in the mail on XX/XX/2021, with my name on it - I never applied for it. It says it is a Visa DebXXXXt card. I don't, and have never, used any products provided by Square , Inc. 

Looking at their website, it seems bare minimal information is needed for a person to apply for a Cash App card - name, address, DOB, and last four of SSN. That in itself seems wrong to me. 

Their Help page at XXXX XXXX XXXX XXXXs aimed at customers. It wants to redirect to their app and wants me to log in using their app. I'm not a customer though and I don't have their app ( and I don't want it ). There is no email that I could find to contact anyone. I did find a phone number XXXX XXXX XXXX on their page at https : XXXX. When I phoned the number, an automated response said to enter 1 for customers and 2 for other callers. And when I clicked on 2 it said it wasn't taking calls for 2 replies or something and ended the call. 

I found a couple news articles about Ohio scams involving people receiving unsolicited Cash App Debit cards from their company and the trouble they had. The links both said to contact Cash App at https : XXXX XXXXXXXX for fraud related issues. I did that and filled out an online form stating my issue and later received a reply from XXXX saying the following ... 

" I get how important this situation for you but unfortunately I do not have access to this type of account.You emailed the Point of sale Support Team, you can reach out to Cash App Support directly from the Cash App : From the app, tap on your profile image and scroll to the bottom of the page. 
Tap Cash Support and review answers to common questions. If youre not able to find your answer, tap Something Else. 
Select your reason > Contact Support. 

You can also contact XXXXash Support by visiting XXXX. " So they are basically " fobbing me off '' is the feeling I get. I just want to cancel this card, that was applied for fraudulently in my name, and confirm there is nothing else linking back to me in any way.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XXXX XXXX I XXXX  cash app customer service number this number was XXXX XXXX XXXX XXXX. I spoke with a young man we got disconnected I called back another another man answered he started helping me and told me to download an app called XXXX. With this App he was able to look at my screen the young man told me to go in my cash app then asked me " who do I bank with '' my reply was XXXXXX/XX/XXXX. He then told me to open my mobile app and he told me we were going to do a XXXX quick pay of {$200.00} to see if my account was interrupted by anything. He then took the money then when I asked can he send it back he told me I would have to give him 3 minutes. So he went on to ask me to tell someone to Cash app me {$100.00} dollars because my cash app was not working properly. After I told him no he said well okay he will send my money and give me a confirmation call but he never called I called them back numerous times and he repeatedly hung up in my face and antagonized me and my family by calling us back. Colleague then tried to act as tho he wanted to help then told me to cash app {$86.00} a name called XXXX XXXX when done I done I also asked for my money back and he refused to send me my money back.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-24
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are multiple accounts that were discharged in my bankruptcy on XX/XX/2020 that are still reporting as late and charged off that need to be immediately and completely deleted from my credit file per applicable bankruptcy laws.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SLM CORPORATION (CA)

After I did activate the card I could not use it for purchases. They put hold on my account asking more docs from me. I did provide them the requested docs but my account is still on hold. I have got no letters what so ever for the explanations.
Consumer complaint received 2020-06-24
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: National Credit Systems,Inc. (AZ)

Hi, I am writing this complaint on ( XXXX  XXXX XXXX ). First they keep saying they didn't get my dispute letters in mail. Which is impossible cause i have tracking number and it says it was delivered. 

So National Credit System put a account on on XXXX XXXX report i found out about it in XXXX. Then In XXXX they put it on all the Credit Bureaus. I informed XXXX, XXXX  and XXXX  this was a fraudulent account. All three credit bureaus deleted the National Credit System off my report within 4 business. 

XXXX XXXX XXXX told me they have to contact National Credit System to delete this account and it will take 30 days. 

I am making this formal complaint because the FCRA 605B clearly states that the credit buraues has four business days to block this information my report. 

How can XXXX delete this off my report but the XXXX XXXX section wont delete this off my account. 

XXXX XXXX still falls under the FCRA and should follow the rules. 

FCRA clearly states : Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 


Attached is a police report and dispute letter
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My name is XXXX XXXX. I've placed a prior CFPB complaints regrading my credit scores dropping acutely in XXXX of this year. I've been provided multiple answers to date regarding why this is. I was initially provided information that making a minimum payment in XXXX on my student loans was the driving factor regarding this. Essentially, this was the reason for my initial dispute/complaint. With that being said, further discussions with reps from the credit reporting agencies, my student loan service ( XXXX ), and the XXXX have revealed that this drop is most likely secondary to my student loans being placed into the government driven loan forbearance. Regardless, I am placing a formal complaint at this time challenging the accuracy of my current credit scores and the reflected drop in score that occurred in XXXX. My student loan service has provided that there is nothing from their end that would have resulted in this acute change. Discussions with the credit reporting agencies ( as well as pulling these reports myself ) would allude to my student loans being the culprit for the significant drop in my scores noted in XXXX.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

At this time we are are just a month behind on our mortgage payment. Green tree has been been told that we are paid on the XXXX of the month as both my husband and I are retired. They have also been told that we will be completely caught up shortly. However, after telling them this information they continuously call us a XXXX times a time which is becoming a harassment by them. When they call they will let the phone call go over to voicemail and not leave any type of message.
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

On Sunday XX/XX/2021 I noticed that cashapp had closed my account without any type of explanation. Unfortunately Ive been investing in stock and bitcoin on the platform for quite some time. I had about XXXX bitcoin which at the time was valued at around {$42000.00}. When I saw that my account had been closed I tried to sell by bitcoin hand withdrawal the funds back into my bank account. The first withdrawal that I did was for {$4000.00} at XXXX on XX/XX/2021. This withdrawal was not sent to my bank and it was subtracted from my cashapp balance. I researched a little online and found out that sometimes for larger transactions cashapp may not be able to instantly deposit it so I tried doing smaller amounts and a few of them went through. I did several {$1000.00} withdrawals around the same time as the first one and some went through and others didnt. Im total I attempted to withdrawal {$25000.00} which is the weekly limit for withdrawals on my account and only {$9200.00} was deposited into my account. Additionally i still have {$13000.00} on my cashapp account that I am not able to withdrawal because I am at the weekly limit. I tried contacting cashapp about this major problem and all I got was a auto response from their support. I also tried calling them but they do not have a customer support number. I contacted my bank to see if maybe the transfers were just on hold and my bank told me that cashapp reversed multiple transactions. Im total I am missing {$29000.00} that cashapp seems to be refusing to give me. This is my savings and they are denying me the right to withdrawal this money and are not attempting to help me resolve this issue.
Consumer complaint received 2020-06-23
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. (TX)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$430.00} XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$6000.00}
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK (MO)

My wife and I received a check from another bank payable to both of us. We do not have a joint account but both bank with Commerce Bank, so we both endorsed the check and I deposited it in my account. Commerce Bank refused to deposit the check to my account claiming it was a " third party check. '' First off, it was NOT a " third party check '', it was payable to the account holder, and his wife, who both signed the check. Second, it was from another Bank, not an account holder, the Bank itself, so it's not as if there's a risk the funds would not be good. Third, my account has more funds in it than the amount of this check, so there is no risk to the bank of a loss. 
On top of Commerce Bank refusing my deposit and notifying me by letter ( not by phone, email, or any other instant method ), and telling me to call them to find out more information, when I called, I was advised that they MAILED THE ENDORSED CHECK TO MY HOME VIA REGULAR MAIL. So effectively, there is a negotiable instrument floating around in the USPS - anyone who gets their hands on it can cash it - apparently at any bank other than Commerce Bank. They might as well have mailed me some cash, it's just as safe.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (UT)

XXXX XXXX BTC** XXXX XXXX BTC** XXXX before Bitcoin made it too my cash app wallet cash app closed my account and unlinked every bit of information on my account that would allow me to login too the account** XXXX Recieved email stating that my card and bank account were unlinked as well as my email. I responded immediately too let them know I did not unlink my information and account must have been compromised. XXXX Theyve been promising that they have my account and Bitcoin would be merged onto the account they made me make and never has happened. XXXX the manager at first gave me information too an account that wasnt mine which is really scary and just that alone was enough to be sure that these guys are are joke. Theifs I can not believe how Cash app gets away with how they do business its nuts ... I reported them too the XXXX and they also keep responding too my complaints and try getting me to agree that the problem has been solved but it hasnt and its very clear it hasnt so i just keep rejecting there response. Im hoping that this message will be the eye opener for them because this is now over XXXX $ in Bitcoin they are wrongly holding from me its disgusting.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

This issue has been going on since XX/XX/2019. XXXX, Equifax and XXXX  fail to remove bankruptcies they claim was verified by the courts. I obtain verification from the Federal Court clerk asking, if they verified with the credit bureaus. The credit bureaus refuse to take the letter from the clerk.
Consumer complaint received 2020-06-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP (FL)

The company is unable to respond directly to your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. 

This complaint concerns Complaint ID XXXX, Submitted on XX/XX/2019 and closed by CFPB based on Company 's false response, which stated that, " The company let us know it is unable to respond to your complaint through the CFPB because it involves the same issues raised in pending or prior litigation between the company and the account holder. '' There was and is not any pending or prior litigation between Honda Financial Service and myself or any other account holder. Therefore, was and is not a private attorney or local legal aid office that assisted or is assisting me with any litigation with the company. 

Basically the Company was untruthful in its response and the CFPB should have verified the information prior to inadvertently closing the complaint. This issue needs to be reopened.