davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (NY)

XXXX. Aka. Block inc. Payment service company is holding funds for unjust reasons they suspend it transfers they are requesting information that they don't need I've requested to close the account however they continuously hold the funds it's been over 90 days they have no reason to hold the funds and they repeatedly do not solve any issues they requested bank statements to understand information however they use a company called XXXX  previously my bank account was compromised due to hackers and I do not feel safe and I feel I should not have to give them this information for them to release almost {$1500.00}. This company is unethical and has bad business practices they hold people 's money for no reasons they suspend transfers they are very difficult to get a hold of an unethical. Address : Square Headquarters ; XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX, CA XXXX... 
XXXX Multiple phone calls to this organization the phone number is no longer in service or it gets to the point where they hang up on you. Resolution I wish to close the account receive my funds and no longer do business with this company I've stated that and they continuously refuse I'll be sending them a certified letter where they have to sign for it I will look at whatever options within the law and I would like to go after this company to the full extent they are belligerent and they do not care I can provide copies of emails showing that they suspended the account the original date was XXXX of 2023. They have no reason to hold the money. And I have not received any explanation only to the fact that they want to keep the account safe for what reason I have no clue never had any issues.
Consumer complaint received 2023-07-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (NV)

Im relocation to XXXX I got transferred from my employer the home was XXXX and they told me it will be putting XXXX down and XXXX week ago the walk was today XX/XX/2023 and now they change the whole contract and change all in the contract and how they asking me for XXXX down XXXX weeks ago i star telling my employer about the transfer so do transfer its all easy done plus I all ready cancel all utilities and all my staff at XXXX XXXX  where I was relocation from XXXX to XXXX cancel my apartment ext ext down payment on FHA was XXXX first time buyer now its up to almos 7 % a week from closing forcing me to give XXXX down a week from closing plus we give XXXX down now they telling me the XXXX I dont get if dont keep going forward I have all doc we sign XXXX weeks and how they change the whole contract a week form closing and there its even more extreme issues I feel home less I was so happy thats we where able to get a home but now Im XXXX  and XXXX  hoping you help ups me and my husband we are a XXXX merry couple and now I been we been fore to give XXXX XXXX down plus going on loops they been miss informing and decriminate making pay more and every single uspect including no counting by hasband income but asking for all his info evening there not wanted to count his income! I make XXXX grand yeah hasband XXXX can you please help us
Consumer complaint received 2022-11-10
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  # XXXX, XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX  XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX The above accounts have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being late with a payment on this account. DO NOT EMAIL ME. ONLY CONTACT ME VIA US MAIL. Please provide statements and records of all payments made and missed since I opened the account VIA US MAIL NOT EMAIL. 
In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Also, your record is incorrect in the timing of payments. I have asked you to remove any late payment notifications from your records and credit agencies since there is no plausible way that payments can be made through XXXX, paid in full, and then a late payments of 90 days show up in XXXX for the month of XX/XX/XXXX.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I submitted a mortgage loan estimate request through XXXX XXXX XXXX XXXX ( XXXX ). Undenounced to me, I had already met the unknown and unpublished 80 % home loan threshold at XXXX XXXX XXXX XXXX and was later told they could approve a third of what I wanted. Had I known or had any transparency from XXXX I wouldve never requested a mortgage loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a mortgage loan as I am reporting you to the authorities. I'm willing to bring in legal counsel to aid in this resolution if necessary. Remove hard credit pull from all three credit bureaus. 

This is not a duplicate dispute and should not be marked as such.
Consumer complaint received 2023-07-21
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. (GA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00}
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

I opened my Chase checking account on XX/XX/XXXX at the Chase branch but my account was locked on XX/XX/XXXX and closed on XX/XX/XXXX. I called on XX/XX/XXXX to resolve the issue with the customer service center and the XXXX office but just received a call today as of XX/XX/XXXX that my account was closed without sharing any information. 

When I called when my account was locked, I told them about some possibilities related to the incidents that happened back in XX/XX/XXXX, and below is what I shared. 

I received lots of checks from my previous company and accidentally deposited about six checks twice on XX/XX/XXXX and I requested them to be canceled one by one on XX/XX/XXXX through the app. Then my account was locked and I ended up calling them to follow up but they told me the bank decided to close the account. I tried my best explaining what happened and what actions I made but they just hung up and closed and then charged an additional fee for each canceling transaction. 

I made a mistake, but quickly made action to solve it but the bank closed it without reading my cancellation request messages or considering my follow-up calls. 

This is unfair to a customer who tried his best to fix the mistake with an excellent credit score and no criminal records at all. 

Thank you.
Consumer complaint received 2023-03-24
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. (FL)

In accordance with the Fair Credit Reporting act The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account numbers XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse item, other than records of convictions of crimes which antedates the report by mote than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believethat the information is inaccurate.
Consumer complaint received 2024-10-15
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: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-03-17
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. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # 's XXXX, XXXX Account name : XXXX XXXX XXXX Account # 's XXXX Account name : XXXX XXXX  Account # 's XXXX, XXXX These accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

I put a freeze on my Equifax credit report and was stunned to find out that Equifax does not offer multifactor authentication to protect my " myEquifax '' account. If my username and password were guessed or stolen, anyone could access my credit report and steal my identity. Equifax promotes how important MFA is for sensitive accounts like this one, but does not offer MFA to protect all of the sensitive information that they collect.
Consumer complaint received 2023-03-17
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this following account on my reports : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$7700.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Balance : {$610.00}.
Consumer complaint received 2024-08-10
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. (NY)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (VA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-03-17
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. (PA)

XXXX is doing illegal acts to my credit report. I did everything to show them my hard inquiries off my report over fraud. I sent them fcra 609, 611 and a 625 request to investigate my credit freeze letting in creditors into my file. This 8s illegal. I want my 2 hard inquireys off my credit file.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act Account ( s ), XXXX  account # XXXX, XXXX XXXX account type other ( collection ), XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, violates my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-10
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. (CA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Someone fraudulently opened a business checking account using my social security number at Fifth Third Bank on XX/XX/2023. I received a notification from XXXX the next day, and attempted to contact Fifth Third Bank, but did not have time after being on hold for a long time. 

I tried calling Fifth Third Bank again on XX/XX/2023, and over the course of XXXX calls and several hours of being on hold, explaining the situation to various reps, and being transferred between departments, they hung up each time I reached the dispute center and did not call me back. 

I don't have any other way of reaching them as the online communication requires an account, which I do not have since I am not a Fifth Third Bank customer.
Consumer complaint received 2023-03-24
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. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX TXXXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX  Date opened : XX/XX/2021 Balance : {$4100.00} ; XXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$520.00} ; XXXX XXXX XXXX ( Original creditor : XXXX  ) Balance : {$620.00} ; XXXX XXXX Opened : XXXXXXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.
Consumer complaint received 2023-03-24
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX