davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
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. (GA)

Below are accounts that do not belong to me nor have I ever authorized any credit pulls with the below creditors. My information has bee taken and used by someone other than me. Please delete the following accounts as they do not belong to me. Thank you Negative accounts to be removed : XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removed XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XX/XX/XXXX ADDRESSES TO BE DELETED : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (AL)

On XX/XX/20 around. XXXX CST an estimated amount of {$2800.00} was transferred out of my account onto a debit card that didn't belong to me and refuses to attempt yo resolve this issue. I did not authorize this transaction and I need my money to be available to me as it has always been.Please take this matter urgent
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NJ)

I purchased an item on XXXX. Sent the payment via CashApp. Coming to find out, it was a scam. Called my bank, and they said because the App is a third party app, that there is nothing they could do. 

Requested a refund, only for the refund to be declined.
Consumer complaint received 2020-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

A PERSON RENTING A ROOM FROM ME PAID RENT ON XX/XX/20 FOR {$500.00} AND TWO DAYS LATER SHE PAID {$50.00} TWO TIMES FOR A TOTAL OF {$600.00} FOR THE MONTH OF XXXX ON THE XXXX OF XXXX WHILE I WAS AT THE BANK MAKEING A WITHDRAW A TEXT CAME THRU SAYING THAT MY ACCOUNT WAS BEING DEBTED FOR {$500.00} REFUNDING TO RENTER CASH APP TOOK {$500.00} FROM MY XXXX PAYMENT THAT WAS DEPOSITED THAT DAY CASH APP CLAIMS THE PERSON DISPUTED THIS WITH THEIR BANK AND CASH APP IS REFUNDING THEIR MONEY CASH APP PROVIEDS NO INFO AS THE THE NAME OF THE BANK AND THE REASON THEY DISPUTED THIS ALLOWS PEOPLE TO SCAM CONSUMERS CAUSING HARM TO THE PUBLIC A PERSON CAN RENT BUY OR HAVE SERVICES PAY FOR IT THEN LIE TO THEIR BANK AND SAY ITS FRAUD AND GET THE MONEY BACK WITH THE CO NSUMER BEING SCAMED AND CASH APP TELLS YOU TO DEAL WITH THE SENDER THE SENDER IS BEING EVICTED SHE CLAIMS CASH APP ACCOUNT IS HERS BUT GIRLFRIEND HAS HER EMAIL ON IT AND THE BANK CARD BELONGS TO SOMEONE ELSE SO ALL THEY HAVE TO DO IS DISPUTE THE RENT PAYMENT FOR {$600.00} FOR XXXX AND CASH APP JUST LIKE THAT WILL TAKE THE MONEY FROM ME CAUSING MY ACCOUT TO BE NEGATIVE THIS IS A UNFAIR AND DECEPTIVE ACT BEING ENABLED BY CASH APP HOW MANY PEOPLE HAS THIS HAPPENED TOTHIS IS CAUSING HARM TO CONSUMERS AND THE PUBLIC EVERYWHERE CASH APP HAS RECOMENDED I SEEK LEGAL ADVICE OUTSIDE CASH APP SOUND LIKE SOMEONE NEEDS TO LOOK AT CASH APP THEY ARE ALLOWING FRAUD NOT INVESTAGATING MY CLAIMS JUST THREAING ME WITH EXCESSIVE DISPUTES WILL CLOSE MY ACCOUNT, ,I 'VE BEED SCAMED A FALSE DISPUTE FILED AGAINST ME AND YOU TREATEN ME ADVISING ME TO DEAL WITH THE SENDER, PEOPLE THAT YOU RECIEVE CASH APP FROM MAY NO BE FRIEND OR FAMILY SO HOW CAN A COMPANY TELL YOU TO DEAL WITH THE PERSON THAT USED CASH APP TO SCAM ME TO RESOLVE ANY ISSUE
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Good afternoon, During the Covid19 pandemic my husband lost his job. We are still having problems on making the payments. I reach out to the credit company to reset my payments on XX/XX/XXXX spoke with Employee # XXXX I was advised that the payment will be reset and I will not be responsible for pay for the month of XXXX, meanwhile this was reported to the credit bureau. On XX/XX/XXXX called again spoke with employee # XXXX she advised that the credit bureau has been updated on XXXX ( which until this date the credit score is not reflected ). In addition to that I was told that XXXX payment for XXXX will be reset as well. On XXXX I called again spoke with e # XXXX I was told that there is nothing in the system about the XXXX payment and was advised that the credit bureau was updated on XX/XX/XXXX ( still not showing any changes - my score significantly 33points  went down due to this situation ) Im a XXXX worker it is very difficult for me to spend hours on the phone to resolved this. 
Please help
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

Hi, I do not recall these inquiries and request removal or supply supporting document as required by Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. 

I have reached out to all of the companies within this list via certified mail and received no response : XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please provide any application suppling this inquires.
Consumer complaint received 2020-12-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (NM)

XX/XX/2020 I sent money to the wrong person, and they will not refund me. I requested my money back thru the cash app station like they instructed. The person with my mom denied my request. 


I am a single mother working to make ends meets for my daughter, and I. Today is XXXX, and i am hoping for a miracle.
Consumer complaint received 2023-02-12
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)

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy.

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of Hard Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Hard Inquiries that needs to be removed. 
XXXX XXXX XXXX XXXX, XXXX. Someone hacked into my account and tried to apply for a credit card, XXXX XXXX XX/XX/XXXX, Someone used my SS to try to apply for a credit card. 
XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX  XX/XX/XXXX not mine XXXX XXXX XXXX  XX/XX/XXXX not mine 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MS)

I payed my total balance of {$4600.00} on XX/XX/XXXX to make my J.P. Morgan and chase credit account payed in full and in good standing. On XX/XX/XXXX I received an e mail from XXXX XXXX who I have my mortgage threw, stating that their was a change in my FICO credit score. Upon checking my score I was shocked to see that it had dropped 25 points. When I called J.P. Morgan and chase they informed me that my credit limit had dropped {$4500.00} dollars from {$5000.00} to {$500.00} dollars and the person I was talking to didnt have the information explaining the change. I was also never informed by the creditor that these changes were made. Since then I closed my account with J.P. Morgan and chase and am filing this complaint. Since that time my credit score has dropped another 47 points. This is completely outrageous and has absolutely ruined my credit, my score is now in the 500s after paying my balance in full. This should be illegal, I have had this account with J.P. Morgan and chase since XXXX and have never given them any reason to absolutely destroy my credit when the whole reason I was paying my balance in full is to get my credit score as high as possible so I could apply for a business card to help my business. I feel as though this practice if it is a common one is criminal and should be punishable by law. If you allow an account holder to have a allowance of {$5000.00} then you should not be able to change their limit and adversely affect their credit utilization when an account holder pays their balance in full, you should not legally be able to make these changes. If I find that what happened here was of fact illegal I will be prepared to take legal action. Especially since this incident took place during a global pandemic, this whole this stinks to me.
Consumer complaint received 2020-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NJ)

A group of people, a team work have been taking money from my cash app account, they changed my phone number and email and they don't seem to stop. Every time I try to report it they have access to the company to make it seem it was me. Its been different people have taken from me about 2000 I have pictures I took. Please help me resolve this. I beg you!
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (FL)

I noticed many unauthorized and fraudulent credit inquiries on my credit report, which is causing me alot of problem. I just realized that in the process of applying for a mortgage to purchase a home. I never authorized this inquiries.
Consumer complaint received 2018-07-04
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/2017 I received a letter that the care credit account was paid and settled in full. They are showing a balance on my credit report and showing charge off in comments. In comments should be settled and paid in full as all my other reports I settled on shows. Unfair reporting. I was also promised a pay and settle to delete from credit report which was also not done. Care credit was the original owner then sold to synchrony bank I believe then winded up in the hands of XXXX XXXXXXXX XXXX, XXXX which I settled and paid with portfolio recovery on XX/XX/2017. Please correct credit report Ive been fighting this since last year.
Consumer complaint received 2020-05-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent TransUnion a total of ( 5 ) written requests over the past year and a half to validate a Chapter XXXX  Bankruptcy displaying under my credit file. The credit bureau responds to my requests with the same messages repeatedly. Please see down below : 1 ) TransUnion responded that the completed investigation was verified by the data furnisher 'USBK  Court XXXX  Florida ' and that they will NOT continue to re-investigate such requests from me.

2 ) I took it upon myself to send a letter to the USBK Court XXXX  Florida and asked how such procedure information is validated with Credit Bureaus. The USBK Court House sent me a returned letter explaining that they DO NOT validate information with 3rd parties and have no jurisdiction over reporting agencies. 

TransUnion sends me the same automated / generic letter in response to my request to validate a Chapter XXXX BK. They continuously claim they will not re-investigate. How could they have claimed to validate such information with the USBK Court House when intern the USBK Court House does not validate such requests with reporting agencies. In reality, TransUnion never investigated such and completely ignored my repeated requests by sending out a generic letter saying it was verified by the Court House.

I am attaching the letter sent to me from the USBK explaining how they do not validate information with 3rd parties such as Credit Reporting agencies. I am also including the letter sent to me from  TransUnion.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

This was a case of fraud that was committed in the XXXX, TX Office Depot, according to the receipts from my online account. ( I am in XXXX, AZ. ) The problem is, I had no idea when the fraud occurred until much later because I rarely used this Office Depot Business credit card. I certainly do not lend it out, and it was never lost or stolen. I had no reason to check my account to see what I owed, but I suddenly got a " bill due '' email and to my shock it was for over {$600.00}! 
I have been going around in circles with Office Depot which allowed someone to use my card number 3 times in one day to purchase pens and what looks to be 3  {$200.00} gift cards in XXXX different orders on the same day. ( They say " Mastercard {$200.00} Item #  XXXX ''. I tried looking this item up on their website, and it says, " Item is Currently Not Available ''. ) Why wasn't the employee that rung these up just a little bit suspicious? An out-of-state account, either just a number or a fake card, I don't understand how this was even rung up. I had my card the whole time, so they couldn't have had the real one!

Office Depot canceled my old card but wouldn't do anything because I didn't report it in a timely manner. They kept sending me emails of owing this $ XXXX   bill on the old canceled card. I called yet again, and they apparently had closed the case since I didn't respond in time. ( Another problem was we just moved and the address changed! ) They said they  would reopen the case, and I should report it with local police where it happened. I am in XXXX, AZ and the fraud occurred in Texas, so I filed an online report with the XXXX police where it happened. The Office Depot Credit Card people also said I should send my info to the credit bureaus and the FTC, so that is what I am doing.
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NH)

Back in XX/XX/2020 a collection was opened for a medical data systems for {$810.00}. this does not seem accurate with any outstanding debt i have. there must be a mistake with whose this is because it is not mine. please investigate this and remove it from my report please
Consumer complaint received 2020-05-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (OK)

I received a phone calls from someone's personal cell phone who refuses to leave a message but is calling about my mortgage. I also received a threatening letter dated XX/XX/XXXX from TMS The Money Source saying that my XXXX mortgage payment was due XX/XX/2020 and " the total amount due on your monthly mortgage is {$2300.00}. This includes a late fee balance of {$1300.00}. '' First of all, the mortgage company is trying to capitalize on a common misconception. While the grace period is 15 days before a late fee is added, I have 30 days to pay the month 's mortgage for XXXX ( {$970.00} ) before they may report to the credit bureaus and take adverse action. And I have already scheduled the XXXX payment for XX/XX/XXXX. 

Secondly, TMS 's online payment system allows me not to include late fees in my monthly payment. 

Third, I have requested from the mortgage company to waive the late fees due to economic impact from COVID-19, and they have refused to do so. 

Instead, they are abusing their costumers who have been impacted economically. 

I want the late fees waived, the phone calls ended, and the threatening letters to stop, or I will contact the local news and my district representative XXXX XXXX. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience with this mortgage company.
Consumer complaint received 2020-05-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing in regards to a collection equifax is reporting from XXXX XXXX XXXX ref # XXXX. I have reached out to XXXX XXXX to find out what this is they said they have no record yet Equifax is still reporting even after asking them to investigate this issue. They have failed to do a reasonable investigation to ensure maximum accuracy.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have tried fixing this issue with Capital One on numerous occasions, they are keep telling me they will get back to me but never hear back. There is a credit card which was opened under my name fraudulently I am a victim of identity theft and I have reported to police department " attaching copy of the police report ''. I need Capital One to remove this unauthorized account from records immediately as this dose not belong to me.
Consumer complaint received 2020-05-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

I am a customer of Freedom Mortgage in loan for a property purchased during my XXXX XXXX service. For the past two months, I have been calling their customer service phone number to ask questions about their hardship program due to the COVID-19 pandemic. Recently, the number the company has listed online on their website is answered by a person saying that I need to provide my personal information so they can give me a gift card, then transfer me to freedom mortgage. After denying to provide my personal information, the person answering the call gave me an 800 number to call that was just a general XXXX XXXX XXXX service provider. Furthermore, today I received a call from the county tax collector where the property is located saying that the mortgage company failed to pay property taxes for the past year, which was supposed to be paid from the escrow. I am in a desperate situation because I am unable to talk to any customer services representative.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I got charged on interest on XXXX $ Instead of XXXX what I actually owed on my card.My payment saver amount was XXXX In that month.I sent XXXX to them before the due date and I sent XXXX a day later after the due date.They claimed that I owed them interest on XXXX in that month.This company lost my XXXX in this month on my checking account and now they try to rip me off again.This is a Capital One credit card.The rest of the amount what I owe has a special 0 % until XX/XX/XXXX.
Consumer complaint received 2020-05-27
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: College Loan Corporation (FL)

In XX/XX/2019 I received a letter from XXXX XXXX regarding an alleged debt for a private student loan. I was unaware of any private student loan in collection or not paid since all of my student loans were transferred from College Loan Corp to XXXX. I checked my credit report and XXXX XXXX is reporting this alleged debt as a collection. I contacted XXXX  XXXX and requested documents verifying this alleged debt. XXXX XXXX sent me copy of the promissory note dated XXXX. I called XXXX XXXX and explained that it has been 13 years since the date of those documents and they have exceeded the legally allowed time to report this alleged debt to the credit bureau. They said that the debt became due sometime after that date. I have requested documentation proving that this debt became due or was paid at any point to support their reason for continuing to report it to the credit bureaus and they have failed to provide documents. It has now been 8 months since I have been requesting proof and they have not been able to provide any proof and yet they continue to report the debt to the credit bureaus despite this alleged debt being 13 years old. At this point I am looking into hiring an attorney to handle this matter as the XXXX XXXX inaccurate credit reporting is now causing me monetary damages.