davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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)

exercised right to rescind the contract due to XXXX XXXX fraud and breach of contract evidenced CONSUMER FINANCIAL PROTECTION BUREAU case and complaint id # XXXX as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXX has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, EQUIFAX, and XXXX, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.
Consumer complaint received 2022-01-03
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)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (MO)

i call them and ask to stop calling me and the agent i talked to said oh you want me to stop calling you i said yes im having problems when i get my check i will pay and they keep calling i should not have to ask them more then once
Consumer complaint received 2022-02-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

On XX/XX/2021 and XX/XX/2021 payments from my Escrow account were payed to the wrong parcel number. The amounts were XXXX and XXXX respectively. My mortgage company is Freedom Mortgage and they didn't even know a mistake was being made until I received a past due notice from XXXX XXXXXXXX Real Estate Tax Office. Freedom mortgage then payed the correct parcel number from my escrow account which caused my escrow account to be lower than it should. To remedy this they are charging me a higher monthly payment to catch up my escrow balance to where it should have been. When I asked Freedom Mortgage to contact XXXX XXXXXXXX Real Estate Tax office they did, however they followed up with me to let me know they couldn't fix their mistake and that I needed to call and ask for a refund. It was only when I reached out to the tax office that they informed me that there wasn't just one incorrect payment but two, costing me more than XXXX XXXX dollars which was pulled from my escrow account and paid to the wrong person 's account. Not only did Freedom mortgage make a mistake, but they weren't able to fix their mistake. Therefore I had to handle their mistake with the tax office and in the interim I would be charged a higher monthly payment until I fixed their mistake.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (GA)

In XX/XX/2021, Someone hacked our bank account. The hacker authorized several bank reversals dating back to XX/XX/2021. My husband and I contacted the bank to have the credits reversed back to all merchants except for my landlord, who I made arrangements to pay. The only merchant that did not get paid was XXXX. The money was debited out but not dispersed to the merchant. I called the bank to ask why hadn't they sent the money to them. Whenever I call customer service, I keep getting a run around about my money. I want the {$390.00} and insufficient fund fees debited out of my account credited back. The date this transaction took place was XX/XX/2021. I am a long-time customer of Chase bank, and I will be seeking legal counsel if this is not corrected immediately.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

On XX/XX/2021 my Coinbase crypto currency account was compromised. I immediately reached out to Coinbase and my banking institution to inform them that my account with Coinbase appeared to be hacked. My bank put measures in place to not allow a pending fraudulent transaction. Coinbase on the other hand has been virtually impossible to deal with. Coinbase first and foremost will not talk with me ( or any customer ) they are 100 % email only, so this creates some time urgency issues. Next, Coinbase allowed the " hacker '' to change the phone number and email on my account without any legal ID, which is very unusual in the case of secured online accounts as the email and phone are typically the proof of account ownership. I have literally sent Coinbase 20+ emails seeking resolution and explanation. After 48 hours I receive a reply that either asks me for duplicate information I have already provided or the reply email does nothing to move issue forward. I am no where closer to resolution and retrieval of my {$10000.00} in assets that Coinbase holds. I am more than frustrated at this point and really need some assistance in getting my account straight. I have recreated a new account per Coinbase request but the account has zero balance and my account balance was over {$10000.00} prior to this situation. I am unable to get any resolution on this matter. Please help, I would be more than happy to provide all emails I have provided to Coinbase and their reply or if needed I can better explain via a phone call. My cell is XXXX. Thank you
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (PA)

On XX/XX/2021, 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items in 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and my have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation (AZ)

I already have a pending complaint against Homepoint ; however, their response, though insufficient and unsatisfying, stated I have to obtain an appraisal through a Homepoint approved appraiser. For THREE WEEKS, I've called and emailed requesting information on who is on their list so that we can obtain the appraisal to eradicate the PMI. No one is responding. How are we supposed to get this done when Homepoint will not answer questions? It's almost as if they don't WANT to help us. We've spent at least $ 75K on remodeling since the home closed and we know it will appraise for enough to remove the PMI. I have copies of multiple emails and a diary of multiple people with whom I've spoken to no avail. I can not get an answer. Please HELP US.
Consumer complaint received 2022-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates (AZ)

I noticed that there was a debt on my credit report that I did not recognize about six months ago but apparently this debt is from 2015 so I called the number listed on the report to find out what was going on. When I talked to they they told me it was a debt for a cell phone or a bill, Im not exactly sure. Apparently they collect for severaXXXX XXXX  phone companies. They couldnt give me any information or find and account after I gave them the last four numbers of my social security number. I was informed that there were eight other people with my same first and last name. The rep told me to email the company for more information so I did. Only after I had given them the last four of my SS did a receive a Validation of debt with the last four of my SS, which was their so called proof but I had just given them the last four of my SS. I told them I wasnt going to sign the paper because it isnt my debt. I asked them to send me proof that this is my account such as a signature or something other then the last four of my SS which I had given them. As of right now I am still waiting for a reply back with the proof. Please help me because I dont know what else to do. Ive also disputed this with a three Credit bureaus several times. I guess call the police on Monday to file a fraud complaint. I also informed the company that I was going to file a police report. The companies name is XXXX XXXX and associates their Email is XXXX. 

Thank you XXXX XXXX XXXX PS this is the second time I have contacted you about this situation but I didnt think I had send everything so sorry for the redundancy.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX. 2023, I sent a letter to Experian requesting that a missing about be added back to me credit profile. XXXX was my this attempt t0 get this resolved. Currently the account is still missing from my Experian credit profile. The account in question is : XXXX XXXX XXXX
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank failed to notify me of the change in payment, failed to apply my automatic payment properly to my monthly charge, failed to adjust the payment amount despite the money being in the linked account. I moved all of my banking relationship over to TD Bank and configured my automatic payment drafting to ensure that this would never occur. My payments were not applied, and I had to call in and speak to someone who was able to reverse the fee, properly apply the payment, and get my account into the good standing that it should have been from the beginning of the issue. 

I paid {$6700.00} on XX/XX/XXXX, and again on XX/XX/XXXX via my automatic draft that was set up to pay my mortgage amount. I was never notified of the change, or of the fact that the amount was not correct. The second payment of {$6700.00} would have resolved the initial short amount, by which time I received a notification from my credit monitoring that a late payment was received. At this point, I immediately called TD bank, who saw the issue, reversed the fee, and adjusted my payments properly. The individual that I spoke with told me to just fill out a dispute form and the credit mark would be removed from my credit report, however I just received the result back and the dispute was declined. I want this dispute overturned, and the mark removed from my credit report.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (CA)

I am a business owner. I was giving a check by a business i do business with. The check was stolen and someone deposited it into their personal account via atm. Wells fargo bank allowed this personal account holder to deposit a business check that wasn't made out to them into this persons personal account. Wells Fargo contacted the business I do business with and asked them who they gave the check to and they said my company name. Wells then said to put a stop payment, but it was too late. Wells Fargo 's legal fraud department contacted me and said they figured out who did it and asked me to file a police report. Then they said have the business who gave me the check file a claim, which they did. Everytime i contact Wells fargo for the status of the refund to the business i got the check with so they could give me a new check they say it is a slow process and still pending review. Its been over a month now.
Consumer complaint received 2019-06-02
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC. (MA)

Multiple phone calls that are pre-recorded advising me to call their number back immediately. Phone calls start early and throughout the weekend day continue with no rhyme or reason. Calling the number back advises their offices are closed and to call a second number, which I will not. The calls just keep coming, over and over. It is quite obvious they are circumventing laws by demanding a call back but instead, route you to a different number than was calling.
Consumer complaint received 2020-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

On XX/XX/2020 a request from XXXX XXXX ( XXXX ) was made I thought nothing of it because it was my cousin and she's really good at returning or sending money to. On XX/XX/XXXX I called XXXX XXXX and ask when was she going to return the money that I sent her like was stated in the request. She then told me that she never received any funds or sent a request now we are both totally puzzle to what's going on because if she did not get the money who did is the problem and who had access to her account where she had no clue about it. So she screenshot me her activity and I did the same and we were still totally shocked that this ever happen I also check my web receipt to come to find out that it was totally a scam from who I never met a day in my life or have phone conversations with how do they have the same cash app logo as XXXX  as picture ( XXXX XXXX ) I'm not sure if the scam came from XXXX XXXX or someone outside of cash app but this is ridiculous that this even happened. I contact XXXX XXXX on several different occasions and each time it was told that it was my fault and I should verify before sending any funds my question repeatedly to cash app is how can I verify any farther if this is the person if I'm unable to actually see the actual who's the actual request from until there's a web transaction I need help and I need my money back there's already a crisis going on and I've been laid off and all money needs to stay inside my home if I can help it.
Consumer complaint received 2020-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (NC)

On XX/XX/2020 at XXXX I made an attempt to transfer {$410.00} into my Cash App account to pay rent. The app claimed that the transaction failed. I tried a second time and it said it failed again. I went on my XXXX  XXXX XXXX account to make sure it didn't go through but {$410.00} was taking out saying the payment of was sent to Cash App. I contacted Cash App via email but they told me that maybe that my bank is blocking me from making the transaction but to make sure I made a {$1.00} deposit that went through. I called XXXX  XXXX XXXX and they told I need to resolve the issue with Cash App. I was going back and forth with both parties then decided to file a claim through XXXX  XXXX XXXX. The claim was being investigated for 2 months. During this time I had trouble paying rent and almost got evicted. I continued to call XXXX  XXXX  XXXX to check the status of my claim and at the end they basically told me they can't do anything about it because Cash App, owned by Square Inc, said they don't have the money and they can't help. I filed a claim through a different site but haven't heard from them either. It's been 4 months and I still {$410.00} short.
Consumer complaint received 2023-08-15
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TN XXXX 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Since then, Portfolio constantly calls me multiple plus times daily with different numbers each time which I block. Holidays and early and late... I can't take it any longer.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$5100.00}
Consumer complaint received 2020-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

My name is XXXX XXXX from XXXX XXXX, Illinois. 

I wrote to you today to seek your help. One payment gateway company named Square in XXXX XXXX maliciously hold the payout of our shops and users when epidemic is raging, depriving us of ability to against the virus. 

The Company name : Square , Inc The Company address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, USA Contact : ( XXXX ) XXXX ; Email : XXXX Square is a payment gateway company providing money collecting service, allowing shops and users to register in their company and use their payment service. They hold and suspended my payout worth {$50000.00} since last XXXX. As far as I know, they have no right to hold the payout of shops and users without providing time framework. Even when they need time to solve the chargeback dispute case of buyers and customers, they cant hold the payout indefinitely without giving a clear time to grant these funds. 

At the beginning, they said they need 90 days to deal with potential chargeback dispute and payout will be available in 90 days, which is understandable, reasonable and necessary. However, 90 days later, they still hold my payout and failed to send email to me. I sent email to them to ask for consultation and seek help but havent received any reply. As of today, they have held my payout for half a year, which is intolerable. 

As the new coronavirus is raging in America now, I dont have money to buy daily necessities to protect myself because this collecting company in your city hold my payout worth {$50000.00} maliciously without any explanation. I really need these money to buy some food and cleaning products. I dont want me and my family to contract coronavirus, but I dont even have money to buy some soups and sanitizer. 

Please help me reach the company in your area, since I am in a very urgent situation right now. I can not protect myself and my family because this company maliciously hold my funds. 

Thank you so much for your time. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had a 360 checking account with Capital One now over 2 months! I have now found out that they have been refunding all deposits/transfers going into my account! I have been without SS payments now for 2 months and thought this was SS doing this! Then I find out from my friend who was trying to make a {$400.00} transfer into my account that Capital One has refunded the money back to him 7 times! This has caused me much stress to the point of wanting to XXXX XXXX on Saturday! I am XXXX because of what Capital One has done to me! I want answers from them and now! I am going to all again at XXXX am to find out what they have done to me!
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.
Consumer complaint received 2023-08-16
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.