davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

On XX/XX/2019 I received a {$40.00} payment through cashapp. When I went to pull it off onto my direct deposit card it closed my account and now I have XXXX in my account that i cant get off.
Consumer complaint received 2019-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (TN)

On XX/XX/2019 a transaction for {$290.00} was posted to my Square account in which I'd subscribed to for my business. Only after the transaction took place was there a hold placed on my account or all transfers were suspended. This taking place after a previous transaction of a mere {$25.00} was released to me after being held for 2 weeks in order to have my bank account verified. Were they to have suspended the first payment or frozen my account at that point, I wouldn't have a complaint ; or had they made me aware that all further transactions would be suspended until they were able to validate the legitimacy of my business at that point. Unfortunately for me they lead me to believe that my account was set up to receive and transfer payments from that point on. I had in fact received another {$2.00} payment in the midst of my bank account being verified which was also released to me upon bank verification. Why would they have allowed two payments to go through and be transferred only to turn around and place a freeze on my account once a payment of almost {$300.00} hits the account? It's my belief that the Square company doesn't intend to release the funds to me but in fact plans to delete my account and seize the funds as I've heard rumors they are apt to do. Why not verify the legitimacy of the business BEFORE you allow them to perform transactions instead of waiting until AFTER there are funds in the account?
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections (UT)

Bonneville Collections and XXXX XXXX are both reporting a debt on my credit file and it must be fixed immediately. I recently took a look at my credit and noticed that both Bonneville Collections and XXXX XXXX were reporting the same debt. This is a clear violation under the FCRA. If this is not resolved within a timely manner I will have no other option but to consult with the Attorney General and consult for legal suite . They are both in violation and this must be fixed.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (GA)

Credence Resource is reporting an erroneous debt on my credit file. I never received a call or notice about this debt and it recently appeared on my credit file. I immediately called Credence Resource and the original creditor to find out what this debt is for. XXXX XXXX says its for an XXXX XXXX XXXX debt but i have not had service through them for a long time and didnt not have them long enough to accumulate the debt that is being reported. I called XXXX XXXX XXXX and they said they can not find where the debt came from and i called the collection agency and they can not find me in their system. If this is a debt i owe i have no problem paying it but i need them to remove this from my credit file and send me my 30 day notice, as i have the right to be notified before this is added on my credit file, so i have time to settle and avoid this showing up on credit again. If it is not my debt i need it removed from my credit file ASAP.
Consumer complaint received 2021-04-27
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. (IL)

These accounts have been transferred or sold. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay them, I am requesting you to sent the wet ink contract bearing my signature to be sent to me upon receiving this letter. And if you are unable to do so, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified. Please forward an updated credit report after you have completed your investigation and corrections.
Consumer complaint received 2021-04-27
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. (TX)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-04-27
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: Neon Newco Corporation (LA)

I been XX/XX/XXXXsince XXXX and someone has gotten access to my debit card and personal information and been taking all my money out my account and making purchases online
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (PA)

In XX/XX/XXXX I applied for an XXXX / XXXX XXXX XXXX and was approved. It is backed by Comenity bank. On my XXXX statement I noticed my available credit was XXXX and my limit was XXXX. I called immediately and was told the account was closed but was NOT provided a reason one. They said a letter was mailed out which I did not receive. Finally in XX/XX/XXXX I received a letter stating the account was closed due to a negative relationship with Comenity. 

I called and was told I could appeal it and message them on my CC log in page. My credit history has NOT changed since XXXX XXXX, in fact it has improved. My XXXX XXXX XXXX was in good standing and paid on time. There are NO other new negative items reported. I pulled all 3 credit bureau reports. This was the e-mail I received " Taking a look at your account, I see it's associated with what Comenity [ Capital ] Bank considers to be a risky financial history. '' Again, I am not sure what account they are referring to, but there is NO NEW information reported since XXXX XXXX. 

I asked XXXX to re-open my card, because as we know, closing accounts also affects your credit score. XXXX / Comenity refused. This card was open for less than 5 months. If there was something negative, then they should have done their due diligence at the time of my application. Closing a card with a balance reflects poorly on my credit score and is an unfair business practice. 

I would like this account in GOOD STANDING, re-opened, and a copy of the exact information and date of the item they are referring to. 

Thanks, XXXX
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SC)

We received a forbearance on our mortgage starting in XXXX XXXX due to Covid. Near the end of the forbearance period, we requested a deferral of our forbearance amounts. We received a letter ( dated XX/XX/XXXX ) detailing our Payment Deferral Agreement - that our deferral was approved and that all of the forbearance payments and escrow were being added to the end of our loan. We made the next payment for XX/XX/XXXX over the phone and received a confirmation number. We had called them because we received a letter dated XX/XX/XXXX that stated that we were past due and that our mortgage could be sent to foreclosure. The representative told us to ignore the letter and she assured us that the deferral agreement was in effect and we could pay our regular mortgage payments going forward ( that's when we paid the XXXX payment ). Then we received a statement dated XX/XX/XXXX that said we were past due on all the forbearance payments and that they reversed our XXXX payment, and that our mortgage could soon go into foreclosure! We called and tried to get this corrected, but they weren't able to resolve it on the phone and still have not resolved it, to our knowledge. I emailed them with all of the information ( including a copy of the Payment Deferral Agreement ). This is a longstanding issue with AmeriHome. We have had to call them MANY times during this process and have been told one thing on the phone, and then received correspondence to the contrary. This has taken up lots of our time and caused us much aggravation. I consider it harassment, at this point!
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo is reporting a late on my credit file for the month of XX/XX/XXXX, XX/XX/XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing.
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (WA)

I feel like I'm being targeted last year I paid off credit one credit card credit limit of XXXX but my debt was like XXXX account was closed a year before year shutdown after anyways I paid the bill off last year account was close an on XXXX XXXX  finally showed it paid an close now this month same bill pops up I've been getting calls from midland credit management XXXX XXXX is reporting unpaid bill what's disturbing is that the address they had for me is over 10 years old i dint even have a bank account back then now I don't know what to do all I know is I feel like I'm being scammed because the address I live at now is when I got my credit card the address they have under the bill supposedly I owe is over 10 o 11 year old????
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

On XX/XX/XXXXth i paid for a service that i thought was very legitimate but end getting scammed, i contacted the recipient many times to try to get my money back but they blocked me. I contacted cashapp with an email & thwy denied my dispute & told me to be careful next time which i understand but as. a bank should always let a customer do a dispute with proof of fraud/getting scammed.
Consumer complaint received 2021-04-29
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this some mistake as I assumed it has to be i have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as PayPal quiet frequently. my email address linked XXXX XXXX
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I had four mortgages on my property that were consolidated into XXXX XXXX XXXX My mortgage was paid off in XXXX. On XX/XX/XXXX a Discharge of Mortgage was recorded, however my attorney and my title company both state that the Discharge recites and clears Mortgages 2-5, but does not properly recite Mortgage # 1. 

Mortgages 1-4 were consolidated into Mortgage # 5 ... So the fact that the Discharge of Mortgage recently recorded only cites Mortgages 2-4 is a problem. 

The title report was provided to the servicer with instructions to let us review there work before sending it for recording, but they sent it for recording anyway, thus ignoring our request to let us review the draft version beforehand. 

If the servicer would communicate with my title company and/or attorney, they can provide the review so that the Discharge is correct and complete now. 

This problem and confusion has been going on since XXXX of XXXX, and the law states that the lender is required to record the Discharge within thirty days. So in this case, it has been more than a year, and the servicer/lender is breaking the law.
Consumer complaint received 2021-04-29
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. (GA)

Equifax is still showing incorrect information on both of my XXXX student loans. Both of these accounts were paid in full a long time ago. All of the other credit bureaus are reporting a XXXX  balance paid in full except for Equifax. I do not owe a balance to XXXX and I was never late with XXXX. No matter how many times I Dispute it they still refuse to correct my credit report.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Eastern Account Systems of Connecticut, Inc. (FL)

XX/XX/XXXX - I received a letter from Eastern Account System of Connecticut , Inc. attempting to collect a past due debt. The letter in question is fraudulent and an attempt to extort money from people. The letter only has an address and my name is not on the letter. The letter states over XXXX XXXX dollars is due to a cable company that we stopped using back in XXXX. Our XXXX XXXX XXXX  contracts with the local cable company to provide cable TV to the whole neighborhood. In XXXX the XXXX XXXX canceled XXXX XXXX and subscribed to XXXX XXXX instead. I have now found that other homeowners in our neighborhood have received the same letter attempting to collect money or get them to call them. I can provide copy of letter if needed.
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent a validation request over 30 days ago. They never validated the account and continue to report it to the credit bureau. This is a direct violation of the Fair Debt Collection Practice Act Section 809 ( b ). This company is blatantly breaking the law and causing me hardship by continuing to report they can't validate.
Consumer complaint received 2021-04-27
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)

On a monthly basis dating back to last year I have attempted to have several accounts that are inaccurately reporting payments and account ownership removed. It is my understanding that under FCRA it is illegal for accounts to be misreporting payments. XXXX XXXX  and Equifax have all misreported and allowed them to continuously make statements without doing their due diligence for accuracy.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- XXXX XXXX XXXX 15 U.S. Code 1681s2 : 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. 
- XXXX XXXX XXXX ( a ) and XXXX XXXX ( a ) ( XXXX ) : Duties After Notice of Dispute from XXXX. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- XXXX XXXX XXXX ( a ) ( XXXX ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is reporting false information my credit report. I have never done business with the agency. I have no knowledge of the debt they are claiming is mine and I requested a copy of a contract or agreement with wet ink signature
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (HI)

On XX/XX/2020 criminals XXXX and XXXX XXXXXX/XX/XXXXme andXX/XX/XXXX me and stole my car, computer, phone, wallet and etc. etc. The following day the two criminals went to a XXXX store with my wallet and used my us direct express card and withdrew the last {$240.00} out of my account. Police don't care to go arrest the criminals. I wrote a dispute to us direct express card services and they refuse to give me back my money. I want my {$240.00} plus {$.00} atm fees credit back to my account ending in XXXX.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports