davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b 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. I NEVER gave Equifax, OR the below listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

I was payed from XXXX To cash app and on my XXXX  account it says payed but cash app locked my debit card and is not showing me my money is there or that they received it. Its been about 7 days now and I have proof that it was sent to that cash app bank account. Please reach back to me and help me. It was XXXX $ and it was sent on XX/XX/2920 thank you
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A. (CA)

I keep getting multiple letters from multiple sources of credit and debit accounts being opened in my name including pnc, XXXX XXXX XXXX  all throughout the month of XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (NM)

Deposited XXXX grant check for {$7600.00} PNC put a perpetual vindictive hold and not allow access to funds for about 2 years. I clearly demostrated who intended payee was. I just recieved a notive of repayment by XXXX XXXXXXXX XXXX Account has been restricted and locked debit card de activated without my concent. 



XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX.
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (CA)

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Mortgage XXXX reflected {>= $1,000,000} overdue and the monthly payment was {$1300.00}. 
XXXX XXXX - Loan transferred to Fay Servicing XXXX Contacted Fay to make payment of {>= $1,000,000} ; the payment was rejected because it was less than the full balance. According to Fay the full balance as XXXX XX/XX/XXXX was approximately {$47000.00}. 
XXXX XXXX - The amount was disputed ; research of the prior servicer, XXXX, conducted, however " Mortgage Statements '' were not transferred per the rep. 
XXXX XXXX - Loan Modification requested due to deferral denial. XXXX XXXX was approved for $ XXXX but included erroneous calculations in the " Escrow Analysis ''. 
XXXX XXXX - XXXX XXXX a XXXX " Escrow Analysis '' resulting in a surplus of {$14000.00}. However, the beginning " Total Balance '' is {$16000.00} per the " Escrow Statement '' dated XX/XX/XXXX. The new monthly payment is {$1300.00}. 
XXXX XXXX Trial Plan completed, I paid a total of {$6300.00}. However, the monthly payment continues to be {$2200.00} and the current balance is {>= $1,000,000}. 

I asked Fay in three different written requests and multiple phone requests to adjust my account and clear the errors, but this hasn't happen as of today. My last payment was made XX/XX/XXXX. It appears Fay Servicing has multiplied the past due months by {$2200.00}, this is an error, the correct amount is {$1300.00}. Resulting in a difference of approximately {$20000.00}. This difference was placed in an escrow account as a shortage. This amount, it appears, was added to the escrow shortage reported by XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PNC Bank N.A. (TX)

On XXXX XXXX my wife first talked to a loan officer from PNC bank, they offered us a great rate but refused to send us a written loan estimate. We then had another conversation together on XXXX XXXX. During this conversation the loan officer repeatedly refused to give us a written loan estimate, or any written form of information regarding the loan, estimated closing costs etc. He refused a soft pull on my credit and said they can only provide a written loan estimate if we commit to his bank as the mortgage holder and agree to a hard credit pull. He also mentioned that once he hard pulls my credit it would negatively impact my credit score. I had informed myself beforehand that multiple hard credit scores during the mortgage loan search would not impact me negatively until two-four weeks later, and that multiple hard pulls for such a search would be treated as one by most credit scoring agencies. After some back-and-forth, he finally agreed to send us a written loan estimate but made me agree to have a hard credit pull. I thought that this was part of us shopping for a good mortgage. In messages later that day, it became clear that he thought we had agreed to take the PNC bank as our mortgage holder. When I told him again I just want to see the loan estimate, he told us in writing that I narrowly made the best rate with my credit score and that I CAN NOT have any other lender hard pull my credit or I would loose that rate. He also immediately told us that we would have to pay for the credit report and potentially the application fee, if we aborted at this point, even though we never agreed to a loan in writing before and had not received the loan estimate yet. We finally get a look at the loan estimate the next day and they also had sent us a charge for the credit report and the application fee. At this point we made it clear that we do not intend to move forward with them. They then changed the charge to just the credit report fee of {$75.00}. We paid the fee and that was the end of it. We have had no such issues with any other potential lender that we reached out to. The PNC employee 's words and actions were clearly misleading and pressuring us into simply accepting the terms he was offering.
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/2020 my card was declined for a transaction so I contacted cash app via email my card was also disabled I didnt change it to disabled. I tried to enable my cash app card because It was disabled Im figuring because I had entered the wrong pin. I email cash app they responded back a few days later XX/XX/XXXX gave me instructions about how to enable it but no more contact after. My issues is I never received my unemployment payment and my unemployment was linked to my cash app account. Still no word from cash app as of yet! Todays date is Friday XXXX XXXX. The amount of unemployment was {$1100.00} on the unemployment website it shows it was released to my cash app acct but it never went in to my account. No transaction history. I closed my account I dont know what to do. On top of that unemployment phone lines are ridiculously busy. Im just stuck. Please help.
Consumer complaint received 2024-08-21
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (IN)

Consumer Financial Protection Bureau, It shows on XXXX website the Jc Penney 's account was closed on the bank XXXX 's App. I can only view XXXX when I am logged in to XXXX. The problem is XXXX is accessible on XXXX 's App when I am logged in to my bank, credit accounts. When I attempted to log in to XXXX without XXXX I chose forgot my username. It showed to enter my birth date and social security number. It showed Sorry, but that didn't match up. Please try again. I entered the correct birth date and social security number. I had plan to apply for a car today and now my credit score shows poor from good within a month. 

I also should not have poor credit score because of Jc Penneys. I could not get a confirmation of from JC Penneys before and after my complaint with the consumer Financial Protection Bureau about their phone number show scam on the caller ID when they called me about my complaint and bill. There was a problem with their website and I could not log in to account that was not addresses after my complaints with your office. Will you please ask JC Penneys to contact both XXXX and XXXX XXXX  about their history effecting my credit score?

Please again mention to Jc Penneys I do not know if I am speaking to their office if it continues to show scam on the caller ID when they call me by phone? 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed an account that was reported inaccurately. I have XXXX collection on my credit report that is incorrect. The consumer reporting agency needs to report all information with complete accuracy, this account has not been late on payments and have been paid in full and canceled Ive attached a copy of my complaints on ( XXXX ) Im now requesting you to investigate this account and update this Collection as Removed asap.
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

This is regarding Paypal. I purchased several items from a tack store online and used Paypal to make the transaction. Paypal has my credit card information so the purchase was charged to my credit card. I returned one item and the online tack store refunded the amount through Paypal which was to go back on my credit card. However, Paypal put the refund into a cash account instead of refunding my credit card. They will not transfer the refund money to my credit card. If I try to get the refund money sent to me through a check ( which would be send to my address that Paypal already has record of thru my credit card information ), Paypal states they won't send it unless I give them personal information -- - either my Bank Account number or my Social Security number. This is very disturbing to me. I believe they are trying to collect as much personal/confidential information as possible for no legitimate reason. I have tried to resolve this for weeks and can not even speak to someone who understands the english language. Keep getting representatives in the XXXX who do not even comprehend what I am trying to resolve. It is Paypal 's error and they will not fix it and transfer the refund to my credit card.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (FL)

I disputed a collection account with the debt collector and they verified the debt as accurate with the credit bureau. I have tried to contact them directly using the contact information provided on their website and as reported in XXXX XXXX and I can not get a hold of a live representative. The phone numbers listed seem to be valid but they always lead to a voicemail box, even during the displayed operating hours on their website. I have not received a phone call back after leaving several voicemails. The collection agency is called The Bureaus Inc. and their website is : https : //thebureaus.com/ Their advertised phone numbers are as follows : XXXX - Toll Free XXXX - Local It should be unlawful to report information to a credit bureau and not offer live assistance to a consumer wanting to verify a debt.
Consumer complaint received 2021-02-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Thank you taking the time to review my application. 
I have attached 2 letters to this file to include the detail in my matter. 
The essence of the problem is Wells fargo lacks follow up and follow through. I have been trying for over 9 months to resolve my mortgage with Wells fargo following a forbearance program tied to loss of employment due to Covid 19. While I was able to complete the process on my first loan, the company has not been forthright in supplying accurate information on the second loan. Both of my mortgages are up to date -- However Wells fargo wants to increase my rate to 3 % instead of modifying the loan.

I have spent over 100 hours speaking to multiple people only to get the run around. Several of the representatives contradicted each other, and were very condescending.

I am also finding the information I receive on the phone is completely different from the letters I receive in the mail from the bank. In fact they are conflicting messages. I feel this is done to intimidate me further.
Consumer complaint received 2021-02-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (CA)

Back in XXXX I consolidated all my student loan debt with Wells Fargo, which included a pay off, from them to XXXX in the amount of {$30000.00}. 

Recently, I discovered that XXXX never received such payment and for the last several years I have been having to pay both Wells Fargo and XXXX for the total consolidation amount. 

Wells Fargo has been unable to provide me the information i.e when it was cashed or to whom, although they have provided me a check number and date of payment. I have asked on multiple occasions and they keep saying they will keep looking .... and now they are selling my loan to a new servicer. I need proof, of the chain of ownership in this matter. 

Thank you for your help XXXX XXXX
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AR)

Western union needs to loacte 3 speed pay items from 2014 XXXX XXXX  dated XXXX gor {$770.00} and XX/XX/2014 for {$770.00} and XX/XX/2014 for XXXX i need the ( MTCN ) I AM TRYING TO FILE CLAIM
Consumer complaint received 2021-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (TX)

On XX/XX/XXXX I was contacted by Harris & Harris, a XXXXbased Debt Collection Agency. 

XXXX from Harris & Harris called me on XX/XX/XXXX, and said I owed {$1000.00} from XXXX, XXXX, XXXX XXXX XXXX. I was taken unawares that I owed anything ( I moved multiple times in XXXX so they may not have had my address ). 

I called my health insurance on XX/XX/XXXX. They verified XXXX had 'no record of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX filing a claim so there wasn't a way for me to confirm whether I owed any of the stated amount. After speaking with my health insurance, I called Harris & Harris back to inform them my insurance is investigating my query with XXXX, XXXX, XXXX XXXX XXXX 

On XX/XX/XXXX, I called Harris & Harris back to ensure that they give me and my health insurance enough time to investigate the amount of {$1000.00}. I then requested a Debt Validation Letter. The agent told me that they received my debt collection on XX/XX/XXXX and a letter was sent on XX/XX/XXXX. I never received the letter and requested a new one be mailed or sent as a pdf via email. The agent mentioned she could get an 'itemized ' letter, but I said I needed the validation letter stating the collector 's name, why they think I owe money.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

This is a formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you as no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My credit score dropped by 90 points in 30 days. The reason given on my credit report is that I have a delinquent account. This is inaccurate. I have no open accounts that I currently owe any balance.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc. (NC)

MY CASHAPP ACCOUNT IS COMPLETELY FROZEN AND I CANNOT GET MY MONEY OFF MY ACCOUNT. IT IS $XXXX  AND IT IS THE LAST OF MY MONEY TO FEED MY KID. I NEED TO FEED MY SON PLEASE HELP ME. MY CASHTAG IS $XXXX, MY NAME IS XXXX XXXX, MY EMAIL IS XXXX
Consumer complaint received 2021-02-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXXXXXX reporting 9 missed payments. Months are inaccurate. Company ignores my evidence. Monthly payment is {$260.00} a month. Payments were not 30 days late. If payment is due the XXXX and I pay the XXXX that should not be reported.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On or about XX/XX/XXXX, USAA reported our credit card accounts closed or settled. This was not the case. The credit reporting agencies stated this as negative reporting during a time we were house-hunting and preparing to secure a mortgage pre-approval. 
We decided not to apply to a lender until we could be sure our reports were clear of this matter. 
USAA staff first stated no knowledge, then cited errors by the credit agency, then finally a supervisor acknowledged the error, affected thousands of consumers, stated the error was reported on monthly credit card statements. This was not the case. I asked for letters supporting the accounts were in good standing and these were received. USAA stated the corrections were made with the credit reporting agencies and corrections take 30 days. 
As of today, the alerts remain on our credit profiles. I asked the supervisor if this error was required to be reported to CFPB, given published XXXX issues at USAA, and was told not required. 
As information, USAA call center staff stated the errors could not be addressed until consumers called USAA, as it was not clear who was impacted. 
Yesterday, XX/XX/XXXX, a message from USAA came to my USAA banking inbox stating the error had occurred, and what had been done to address it, which is what they should have done initially. 
This notice to your agency is to make you aware of this matter. 
USAA contacts " XXXX, '' Supervisor on XX/XX/XXXX ; Executive Resolution " XXXX, '' on XXXX.
Consumer complaint received 2021-02-23
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. (IL)

I submitted a certified letter to all three credit bureaus requesting how they verified a public record. There response was this section includes a public record items obtained from local, state and federal courts through a third party vender, XXXX. 

I contact XXXX XXXX and they could not verify and removed the public record. 

XXXX XXXX submitted 3 disputes 3 times to the credit bureaus they never responded. 

I also contact the Western Tennessee Bankruptcy Court and received a letter from them that they also do not verify. 

so, how can the bureaus verify this information.