davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PROFESSIONAL ADJMNT CO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PROFESSIONAL ADJMNT CO  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXXXXXX, XXXX SOC  SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

Previously held a secured card lost wallet and card account enrolled in auto pay unable to stop payments as they restricted online access and prevented me from correcting this resulted in returned payment and they closed my account and whats worse is they blacklisted me for life it appears I have spoken with multiple reps and supervisors that stated I was blacklisted and would likely never be eligible for a discover card in my life which was crazy because they have seen things people did intentionally or people not pay at all and not even have this happen. 

I was advised they submitted a request to reopen the account immediately and remove any such hold on my account as it should not be present neither happened and they blacklisted me for something that had nothing to do with me
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (NY)

I filed a complaint about a company called CashApp, Square , Inc. Complaint number : XXXX. As a result of my complaint the company retaliated against me and blocked my account. But I still have money on deposit with them in a stock trading account. Because they blocked my account today, I lost a lot of money because I could not sell stock that was losing value. 

The company simply ignored my original complaint. They claimed that they do not guarantee that a trade order will be canceled when requested. They also admitted that trade orders made after trading hours are executed when the market opens, but they do not mention anything about why they did not execute the order when the market opened. 
The company now seems to be retaliating against me for filing my complaint, they have blocked my account so that I was not able to make any trades at all today and my account lost value again. You can see from the timestamp that the account was XXXX during the trading day. There were no reported issues with the site. Also, a friend logged on and confirmed that he had no issues.
Consumer complaint received 2020-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (WA)

XXXX advertised an offer where both the referral and the referrer were to get {$21.00} for a new referral. I made a refrrral to XXXX and this was made during the time the offer was active. XXXX delayed the payment from the referral qualifying for the referral and then have just {$7.00} instead of {$21.00} promised for the referral. In addition the company provides no way to contact them regarding this offer providing dead end links that go nowhere.
Consumer complaint received 2024-08-20
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. (TX)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (CT)

Today XX/XX/XXXX at XXXX XXXX. to charge my customer {$500.00} + 6.35 % for a XXXX XXXX I own XXXX XXXX I had verified my bank account three or four times several times a few days prior to the queen and the transaction as well as the night before I am verified my bank account once I did the transaction and charge my customer I received an email stating that I must verify my account further by entering 10 qualifying questions and that I would receive my money within two business days if they could properly verify my account I must now figure out how to refund my customer wait for 3 business days for the customer to receive the money then ask the customer to pay me again by using a different venue or payment method I asked to speak to a supervisor XXXX stated that supervisors do not take phone calls I may never see this money if my account is not properly verified if I had to pay people I would not have been able to pay them today and I almost had an employee come work with me today that I would have had to pay this would have been extremely embarrassing and subject me to complaint in lawsuit
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

I have over XXXX XXXX on my account and I have faxed in my info to get a id protection removed and it was never removed and all I get from The company is wait.
Consumer complaint received 2020-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (FL)

IN RESPONSE TO CFPB : XXXX Legal Department XX/XX/XXXX To whom it may concern : As per my credit report, ADVANCED COLLECTION BUREAU obtained my credit file on XX/XX/XXXX. 
I don't recall applying for credit or employment with XXXX XXXX. 
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. 
Please respond via CFPB to Sincerely,
Consumer complaint received 2020-12-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Complaint against Wells Fargo Home Mortgage. Approximately seven weeks ago I applied for a VA home loan. At the time, I informed my mortgage banker I would be retiring and that my income source would change from my employer to several public employees retirement systems, but that my income would actually increase. I provided Wells Fargo the verification they requested that proved what my retirement income was going to be, and that the first payment would be approximately 30 days from my date if retirement. The payment would be retroactive to my date of retirement and continue throughout my life. Six weeks into the application process, I was informed that Wells Fargo guidelines require a deposit of my anticipated retirement check into a bank account before the loan would be fully approved. 
I questioned this requirement, since it meant my loan would potentially not be fully approved until a month, or more, after the scheduled closing date of escrow. Additionally, the Wells Fargo guidelines appeared to violate Title 38, section 36.4340 of the Code of Federal Regulations, which require a lender to consider anticipated income when underwriting a loan. Moreover, 38CFR36.4340 specifically addresses a service members anticipated income and it is to be considered the same as current income. There is no deposit requirement. 
As of the writing of this complaint, Wells Fargo has only conditionally approved my loan pending the deposit of my retirement funds. They maintain their position that full approval will not occur until I submit a bank statement showing the deposit of my retirement checks. Their failure to comply with the above-cited regulation has created a significant hardship for me and my family and I believe Wells Fargo is violating federal regulations. 
Thank you.
Consumer complaint received 2020-12-29
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. (IL)

I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, and all the other negative items I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are inquiries on my report that I did not authorize. I have sent letters to each bureau stating that these were unauthorized inquiries and they are still continuing to report these inquiries. They also have some of my personal information incorrect as well as reporting accounts late that I know I was never late paying.
Consumer complaint received 2020-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/2020 I reached out to Wells Fargo regarding a escrow issue that occurred on my account. The issue was explained to me and I advised them that I worry that due to the fact that my husband may lose his job I may be struggling to make payments on time. I was advised to not worry as they had late payment forgiveness at the time but to look online into options for payment deferment. That put me at ease at first. Come XXXX my husband indeed lost his job and we struggled for a little while. I knew I would be late on few of the payments but did not worry too much as there was hope that turned out true that he would find another source of income. Secondly I was not too alarmed as I was told that there is late payment forgiveness by the Wells Fargo representative who handled my call regarding the escrow issue. Lucky we were able to work hard and not have to apply for the deferment. In XX/XX/2020 I check my credit score and find out that they reported 4 late payments to the credit bureau for the months of XXXX - XX/XX/2020. During this time we never received a clear notice that the payment forgiveness period has expired nor did the representative make me aware that if I do not apply for the forbearance program that it will negatively impact me. I am certain that I called Wells Fargo again in XXXX to make them aware of my hardship but they claim that they do not have an inquiry, although I still have notes from that call. In XXXX and XXXX I paid the outstanding balances in two lump sums. I have a excellent payment history with all my creditors for at least the last decade. In XXXX I reached out to the Wells Fargo executive office and opened a claim as well as explained the situation and asked for removal of the late payments due to the confusion of late payment forgiveness during the Covid pandemic of 2020. For about a week I did not hear back from them and when I called back I was told that the case closed that someone from their 800 number tried to call me but they did not leave a voicemail or a call back number. The case was reopened by a sympathetic rep who although tried to understand my situation and frustration at the end told me that since they can not locate my call ( although per her sharing with me that not all calls are recorded XXXX there was nothing she could do god me. I insisted that another case be opened because I have notes from that call and what I was told. I am reaching as I need help resolving and having my late payments removed from my credit reporting. I did reach out to Wells Fargo in XXXX and XXXX about my potential hardship and feel that I did not get clear instructions on what I need to do to avoid late payments being reported. In addition I was put at easy by being told that there is a late payment forgiveness program for COVID19.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THIS IS THE SECOND TIME XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX I HAD A PROBLEM WITH TRANSUNION REGARDING INCORRECT INFORMATION WHICH ENDED UP WTH THEM DELETING THE WRONG INFORMATION AND CAUSING MY CREDIT SCORE TO DECREASE. I HAVE DISPUTED AN ACCOUNT XXXX XXXX XXXX TO BE REMOVED AS A PAID COLLECTION ACCOUNT AND THE COMPANY THAT SUMITTED THIS NO LONGER EXISTS. I HAVE SUBMITTED THE SAME DISPUTED TO XXXX AND XXXX  WITH NO PROBLEM AND THEY BOTH DELETED IT FROM THEIR REPORTS WHICH INCREASED MY FICO SCORE. HOWEVER WITH TRANUNION AFTER CALLING THEM NUMEROUS TIMES TO REMOVE THIS ACCOUNT THEY END UP DELETEING THE WRONG ACOUNT redit changes Current score XXXX XX/XX/XXXX pts to XXXX We found 1 change to your Transunion credit report. 
Accounts Removed XXXX XXXX Account Removed From Report WHICH I HAVE BEEN TRYING TO IMPROVE MY CREDIT REPORT TO GOOD STANDING FOR OVER A YEAR THEY DELETED THE WRONG ACCOUNT AGAIN FOR THE SECOND TIME.IT TOOK ME ALOMST A MONTH THE FIRST TIME 6 MONTHS AGO WHEN THEY DID THIS AND NOW THEY DID IT AGAIN. THIS IS TO ME TO BE FRUAD ON THEIR PART AND THERE IS NO EXPLAINATION FOR THIS. I WOULD WANT TO FILE TO EVERY CONSUMER AFFILIATION ABOUT WHAT THEY HAVE CAUSED ME TO GO THRU SO MUCH STRESS ANDWILLING TO FILE A LAWSUIT AGAINST THEM AS WELL.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

I purchased a trip to XXXX, XXXX through XXXX that was scheduled for XX/XX/20-XXXX/20. I purchased the trip on XXXX/XXXX/20. The trip cost a total of {$2000.00} and was paid for through a series of installments. However, about a couple of months before our trip was to take place, the COVID-19 Pandemic hit, resulting in a travel ban. Our travel agency automatically canceled our trip without refunding our previous payments and then subsequently shut down their business so there was no one available to contact. They said to contact our banks for refunds. I filed a dispute with Barclay since that was the credit card the trip was purchased on. However, my dispute for the {$1300.00} was denied because they stated I filed after the 60 day dispute period. I tried to appeal the decision but was denied again. The card I used was the Barclays Arrival World Mastercard, which in their Guide to Benefits states : " TRIP CANCELLATION/INTERRUPTION : In the event of the Insured Persons Trip Cancellation or Trip Interruption, we will pay up to the Trip Cancellation/ Trip Interruption Benefit Amount of {$1500.00}. Our payment will not exceed either : 1 ) the actual NonRefundable amount paid by the Insured Person for a Common Carrier passenger fare ( s ) ; or 2 ) {$1500.00}. The Insured Person will relinquish to us any unused vouchers, tickets, coupons or travel privileges for which we have reimbursed the Insured Person. The Trip Cancellation or Trip Interruption of the Insured Person must be caused by or result from : XXXX ) death, Accidental injury, disease or physical illness of the Insured Person or an Immediate Family Member of the Insured Person ; or 2 ) default of the Common Carrier resulting from Financial Insolvency.

Financial Insolvency means the inability of the entity to provide travel services because it has ceased operations either following the filing of a petition for bankruptcy, whether voluntary or involuntary, or because it has ceased operations as a result of a denial of credit or the inability to meet financial obligations. NonRefundable means amount of money paid by or on behalf of the Insured Person for a Covered Trip which will be forfeited under the terms of the agreement made with the Common Carrier for unused travel arrangements and for which a travel agent or travel supplier will not provide any other form of compensation. '' My Common Carrier, XXXX.XXXX, shut down due to financial strain from COVID which is why I have not been able to get my money back from them. So therefore I should have been covered under the card 's insurance.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (MD)

I have been with Navy Federal Credit Union since XXXX. I enrolled in their OOPS program back in XXXX. I have always been charged for overdraft fees. The first transaction would always be {$20.00} and then it would double from there. Ive paid as much as {$80.00} for one transaction. They say that anything over {$5.00}, well be charged a fee for every transaction had no idea that this was illegal. As CFPB mandated, I would like to be compensated for being illegally charged for overdraft fees.
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 belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX