davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

a fraud was in process on my Capital One credit card. I contacted Capital One while the fraud was in process. The representative told me our conversation was being recorded and that the fraud was in a " pending '' status and that I was completely covered under the conditions of my agreement with Capital One. Weeks later Capital One started trying to collect the fraud amount ( {$400.00} ) and since they have added interest. They have ignored there recored statements to me. This all occured in XXXX XXXX. I filed a FTC complaint on XX/XX/XXXX ( FTC report # XXXX ) and reported this issue again to the FTC on XX/XX/XXXX ( FTC report # XXXX ). Sometime ago Capital One stopped contacting me and turned the issue over to some collection agency. This agency has continued to harass me with phone calls and recently caused me considerable problems. Apparently, XXXX credit reporting has reported this as " code XXXX account with a reported delinquency status including bad debt ), to my homeowners insurance company. This incorrect information was sent to XXXX consumer service center of XXXX, XXXX ( XXXX referecnce # XXXX ) and sent to XXXX XXXX company. XXXX is incorporating this incorrect information into the calculation for the charge for my insurance. 
These organizations are all complicit in to incorrect reporting and are costing me money. I have done all i know of to do to resolve this issue to no avail. I need your immediate attention.
Consumer complaint received 2024-08-14
Product: Credit reporting 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. (MI)

XXXX hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following hard inquiries reflect on both my XXXX and XXXX credit report which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b.

I have not initiated any transactions with such company, nor do I have an account with them for review or collection purposes. Therefore, there is no valid reason for them to access my credit report.
Consumer complaint received 2019-02-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (CA)

I have three school loans taken out one that happens to be in XXXX ( XXXX paid and XXXX balance ) before I was even born. Then the other two on my credit report were in XX/XX/XXXX ( 1= {$3000.00}, the 2nd= {$3100.00}, both closed. But was told that they're the same one. But on my credit report it states that there different. ) I also tried to dispute those two that I never did those that I fully believe my ex-husband XXXX XXXX whom I divorced in XXXX and have a five-year XXXX XXXX against until XXXX that he committed fraud against me. I sent in document stating my case. Nothing was done and now I was garnished my XXXX taxes ( {$3.00}, XXXX ) which I was trying to use to support my XXXX kids and move out of California with and now I can no longer do. Can you please help? Not only am I financially struggling but I was also trying to fix my credit for a better future for my family and I and I am at a total loss at what to do now and nowhere to turn for help. I can't even afford a lawyer so whatever you guys can do for me would be greatly appreciated.
Consumer complaint received 2019-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (KS)

First Credit Services is reporting a {$950.00} debt for a gym membership that I was part of for three months. The debt collector is trying to collect three years worth of membership fees. I have asked the debt collector to verify the debt and send the original contract, but the debt collector has failed to respond.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I was looking through my XXXX XXXX and noticed they were fraud activity that I never authorized or signed for. 

The following inquiry 's were never made by me. 

XXXX XXXX XXXX XX/XX/XXXX is fraud XXXX XX/XX/XXXX is fraud XXXX XXXX  XX/XX/XXXX is fraud XXXX XXXX XX/XX/XXXX is fraud
Consumer complaint received 2020-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. ()

On XX/XX/XXXX I received 2 wire deposits through Cash App one in the amount of {$150.00}, the other amount was {$300.00}. I cashed out {$300.00} the same day XX/XX/XXXX. I had a remaining balance of {$150.00}. The next day, XX/XX/XXXX, I received another {$150.00} deposit bringing my total to {$300.00}. I still had not cashed out the {$300.00} in my account so that is what remained in my account. XX/XX/XXXX I received another deposit in the amount of {$210.00} bringing my tota balancel to {$510.00}. I cashed out {$210.00} what should have left a balance of {$300.00} instead I had a balance of {$94.00}. I quickly attempted to reach out to the cash app folks, but they work on a 24/48 hour automated email response system. During this entire ordeal, I never spoke with a life person. 
I even sent them documentation showing the footprint of transactions and how i never received anything from Cash App stating i had cashed out the money. Over a week or so, I exchanged emails with Cash App to no avail. I did learn through one of their affiliates z XXXX XXXX  in Iowa, Cash App is notorious for stealing people 's money and hiding behind emails. 
The last and final email came XX/XX/XXXX with them saying they could noter any assistance I never received any explanation of where the money is.
Consumer complaint received 2019-01-18
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 Hospital and XXXX XXXX XXXX sent a bill to XXXX XXXX XXXX who sent it to XXXX XXXX XXXX.. Each time they put it on my credit report with an updated date making it look like a new debt. I have supplied documentation proving it is not my debt but a case of identity fraud. I have asked to have the account taken off my credit report but it is still there. XXXX XXXX XXXX in complaint # XXXX sent a request to all three credit agencies to remove the collection account from my credit report on XX/XX/18. To date it still remains on my Equifax credit report.
Consumer complaint received 2019-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under AFNI Inc . I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (AZ)

About 4 weeks ago I received a Cash App Card in the mail. I assumed it was a scam of some sort as I hadn't heard of the company. The card has my name and address on it. I looked them up to realize they are a legit company. I attempted to contact them but there is no direct contact information on their site or via the app. It showed they are a Square Inc product so I made contact with Square and received no responses or resolution. I downloaded the Cash App to try and sign in using the information I received. The card provides a unique cash tag of $ XXXX and by inputting this to gain access to the account the app responded that in order to receive support, I had to have access to the email address associated with my account XXXX ( it doesn't display the full address ) which I have no knowledge of or access to. 
From their website it shows that my name, address and ss # are required in order to get the card I received in the mail. Clearly a fraudulent account has been opened in my name and they provide no way to get this handled.
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (MI)

I received an notice that a collection ( XXXX XXXX and XXXX ) was added to my credit profile with all but not limited to major credit reporting agencies Equifax. After investigating ( calling, asking for correspondence letters, etc. ) I found that the collection added to my credit profile was fraudulent and against the law. I disputed the collection several times with credit bureaus ( Equifax ) and was told that the debt was verified. The collection that's being reported is a civil judgement in the amount of {$2300.00} which is what the XXXX district court has on file. But Equifax has the collection reporting {$3800.00} with said company above. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX laws were passed that prohibit civil judgements to be placed on credit profile with all but not limited to XXXX, Equifax and XXXX unless they include all of the following ... 

Classification codes and original creditor, Full name, date of birth, address, social security number and a monthly full file report. 

Law passed on XX/XX/XXXX also states that, '' the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days. 

Upon speaking with a clerk at the XXXX district court in person, I learned that no one ( Equifax or any other 3rd party agencies ) has been to verify any information pertaining to the civil judgement that has been placed on my credit profile. 

Equifax has been reporting wrongful and illegal information ... 

there's no date of birth, no social security number, no address nor name attached to the collection. The dates from the civil judgement and dates reported by Equifax doesn't match. The amount of the civil judgement and amount Equifax and XXXX are reporting doesn't match. 

I have included attachments of the civil judgement and other information.
Consumer complaint received 2019-01-19
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. (CA)

In XXXX I was denied employment due to credit. The job was financial related and required a good credit report. Two weeks later I was denied housing because the company stated my credit report showed debt to another housing provider. I pulled my TransUnion credit report and discovered an inordinate amount of errors. There were over 50 errors total on my report. I sent them a letter immediately explaining and showing in detail why each item was an error and asked them to investigate and resolve. In XXXX they sent me back a letter saying that they had completed an investigation and verified all information. It was a very blanket letter not outlining how they conducted any investigation. I then sent them a response showing that these were in fact errors and should be either updated or deleted ( based upon each individual line item 's situation ). The response I received was almost an identical letter to the first XXXX they sent. It did not address any of the my concerns at all. Overall I have repeatedly contacted this company in hopes that they would resolve these errors and they have not. Ive sent letters in XXXX, XXXX, and XXXX immediately upon receiving their repossess and have receipts of certified my mail being received by them each time. To date I am still unable to secure housing or a suitable job because of these errors. I. work in finance and can not afford to have such errors on my report. In addition to all of the negative errors I also discovered thatchy are not reporting at all on many of my positive credit lines. I have contacted my credit card companies to confirm that they report to the bureaus nd each confirmed that indeed they do report. Therefore there is no sufficient reason why my positive credit lines are not reported and thus why all of these erroneous negative items are reported. I am in a world of trouble because of this negligence and they just keep sending back the same letter saying they verified the items. There is no way to verify something that never happened. When I asked for proof of these items belonging to me in the form of anything I authorized or signed or even recordings where I gave approval I received nothing repeatedly. Please help me. 

Thank you
Consumer complaint received 2019-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

While visiting a Citibank branch on XX/XX/XXXX, I opened a new checking and savings account in the Citi Account Package. According to the personal banker who opened my account and Citibank website, I was eligible to receive a {$400.00} sign up bonus if I ensured the following conditions were met : 1. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

2. Maintain a minimum balance of {$15000.00} in your linked checking and savings accounts for 60 days.

I have met all of the aforementioned conditions to be eligible to receive the sign up bonus. Below is a chronological order of events which illustrate that I in fact met all of the conditions required by Citibank : 1. On XX/XX/XXXX I deposited {$15000.00} new to Citibank funds into my checking account and subsequently transferred {$250.00} to my linked savings account. 
2. As stipulated by Citibank, I funded the accounts within 7 days ( requirement is within 30 days ).

3. As stipulated by Citibank, I maintained a minimum of {$1500.00} in my linked checking account.

4. As stipulated by Citibank, I maintained a minimum of {$100.00} in my linked savings account.

5. As stipulated by Citibank, I maintained a minimum balance of {$15000.00} in my linked checking and savings accounts for a period of 71 days through XX/XX/XXXX ( Citibank requirement is 60 days ). 

On XX/XX/XXXX, I received an email from Citibank advising me that I am not eligible to receive the {$400.00} sign up bonus because I did not meet the required conditions. I have attached/uploaded the email with this complaint submission. 

I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours on the telephone, and numerous transfers, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$400.00} sign up bonus. 

I am hoping your organization can help me. 


Thank you.
Consumer complaint received 2018-10-31
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. (TX)

I've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX  XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX XXXX XXXX   was an account agreed to be removed many years ago and now its back on my credit file under a different name. 

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX & XXXX, XXXX, and XXXX XXXX at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.
Consumer complaint received 2020-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

Yesterday on XX/XX/XXXX I tried add cash from my bank account to my cash app and it failed no matter what amount I tried. Today I tried again and decided to contact support when it failed again. An automated email came back saying that my account had been closed. I now try to cash out my remaining balance into my bank account and that transaction fails too. I would like to get the remaining balance from my cash app if it is no longer usable.
Consumer complaint received 2019-01-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

Lender altered my loan without our consent from the principal amount of {$250000.00} ( mortgage and note dated XX/XX/XXXX ) to the principal amount of {$260000.00} ( mortgage and note dated XX/XX/XXXX ). When I discovered the two mortgages and notes. I requested to see the mortgages and notes, but the lenders attorney told us in a letter that no legal authority exits that allows you to demand an inspection of the collateral you gave in exchange for your loan. After the XX/XX/XXXX refinance from the lender, I have never taken any loan from any lender. As at today, I have not seen the note dated XX/XX/XXXX. I believe the Mortgage and Note dated XX/XX/XXXX was copied/altered from the Mortgage and Note signed by us ( me and my wife ) dated XX/XX/XXXX, which lender has refused to make available to us.
Consumer complaint received 2018-10-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a very small company XXXX XXXX and had merchant services through Bank of America.  We were offered an overseas project by a prospective client and they defraud us in their first and only payment. Due to their payment which was fraudulent, Bank of America and XXXX XXXX XXXX   XXXX XXXX ( XXXX  ) shut down our Merchant services and labeled us 03-Laundering. They will not listen to our position nor will answer our calls. We are only pointed to Risk team by their helpdesk where I have been leaving voicemails daily for the past week. Bank of America has already  collected fees and charges of this transaction. 
We wish to log a complaint against Bank of America , Bank of America Merchant Services and XXXX XXXX XXXX XXXX XXXX ( XXXX ) as they did not consider our situation as a new Merchant and that this is the first payment and have labeled us without giving us a chance to present our case. We have been following all the steps they requested and have also spoken personally with the bank representatives, however we keep getting pointed to their risk department, who doesnt answer back. 
Can I get Help?
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

On XX/XX/XXXX, XXXX XXXX I sent a payment of {$30.00} to the seller ( scammer ) because that was how much the product and shipping were. On XXXX XXXX : XXXX XXXX  the seller said that the package was on hold and that I have to pay {$30.00} more to have it arrive by Tuesday, other than that I had to wait 6 weeks. I didn't accept his offer and waited until XX/XX/XXXX, XXXX XXXX, he asked for his tip before I had received the product, I said no to that, till he said that I had to pay him {$19.00} for shipping because he said he had paid it for me, this was around XXXX on XX/XX/XXXX. Soon on XX/XX/XXXX, XXXX XXXX, he said that he ordered a package that I assume was related to mine and said he needed {$60.00} to repay for some shipping problems, which I reluctantly agree or he would have the power to deny the package to me. After that, he decided to run off with the money by blocking and cutting contacts. I have evidence of these transactions and messages, plus contact info of him. So may please read this and keep the mind of this. I don't like people who would scam during a pandemic that took away tons of jobs while he just scams and gets the money. I can send the evidence through email because there is a lot of it, so I want to be able to send it all through XXXX XXXX at once.