davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I received an unsolicited Cash App card in the mail stating I should activate the card. There is an account number, CVV number and expiration date. Each time I attempt to contact the customer service number, XXXX, I receive a message there is high call volume and no one is able to answer. I want to cancel this account and am now going to resort to sending a letter to Cash App in XXXX XXXX, CA asking them to close the account due to fraud. 
I reached out to Square as they are the parent company and I was told I must contact Cash App directly, which so far has been impossible. 
Via an internet search, I see this is an ongoing problem which they ( Cash App ) should be forced to fix, especially for fraud.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX  / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$21000.00} XXXX XXXX / XXXX / {$12000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (FL)

I submitted disputes to Experian, XXXX and XXXX about Hard inquiries that I did not recognized. I sent in a dispute letters in XX/XX/XXXX via priority mail. ( I will attach tracking number below ) to each Credit bureau and did NOT receive a letter, call or any explanation of why the inquiries can not be removed. I did call to see if they received it and they said they did. I called in XX/XX/XXXX and they did not give me any details of anything but, even if they did it was past the time they were supposed to get back to me within the 30 to 45 day period and I still have not received or heard anything from the credit bureau. I have 5 hard inquiries I do not recognize and I did not approve any hard inquiry for them to use. I did not give any permission for this and I do NOT have any accounts that I pay with these companies and they should be removed. These are the accounts below with the hard inquiries. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AXOS FINANCIAL, INC. (CA)

My loan agent let me to pay her 1 % mortgage fee privately. 
I refused to do so and requested her to put this fee to escrow, then she start ignore my calls and emails in the period that my house is in closing process. 

I tried to call the bank and the bank loan processer sounds like know this loan agent and let me to pay the agent privately. The relationship between the bank and this loan agent is very doubtful and they are having deal under the table. 

My mortgage bank is AXOS and my loan agent XXXX # is XXXX. 

I was forced to pay the loan agent privately to close my house. After I paid her attitude was incredibly bad.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (AL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Please remove all old/incorrect addresses from my credit report.
Consumer complaint received 2022-02-08
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. (GA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

After being hounded incessantly and continuously even during the pandemic, I agreed to a settlement offer from Navient. I understood this would pay ALL my loans with them and be final. I used my pandemic assistance money and paid them {$2200.00} on XX/XX/2020. 
I waited for them to say I was finally done with them after more than XXXX years. 
I learned I wasn't. 
AFTER I paid the amount to stop the harassments once and for all, I was informed it did NOT pay all the loans... .only XXXX of XXXX DIFFERENT LOANS! 
My offer letter continuously referred to the loan ( XXXX ) I was paying off in the plural, clearly and purposefully misleading me to believe I was paying all my loans off. 
Fast forward to today and now Navient has lost a lawsuit requiring them to forgive my debt as part of punishment for this exact kind of gross misrepresentation. 
They misrepresented themselves back in XX/XX/2020 and I want them to give me back the {$2200.00} they took from me under duress and under false pretenses. According to the terms I received of the lawsuit, payments made during the same period I made mine have to be given back. 
Please help me reach out to them and get the {$2200.00} back, It was a huge amount for me then and now, without pandemic assistance, is even more important. 
Thank you! 
XXXX XXXX
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation (VA)

I received a letter from a company called NCC. They do not explain who are they are. I received a bill from the County of XXXX. I do not live in XXXX county. This bill does not explain what the charges are. Interestingly, the company is charging {$85.00} in fees and {$44.00} in fees and a previous balance of {$170.00}. I will call XXXX county myself but I WILL NOT pay these made up fees. I want to warn the CFPB that this company is attempting to collect fees from people that are not owed. If they are doing it to me, they are doing it to other people.
Consumer complaint received 2022-02-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

A payday loan was opened in my name through identity theft. Filled with the FTC and mailed documentation to the bank and to the debt collector. The bank reviewed and found the claim of identity theft to be legit and removed debt from my name and from the credit bureaus. The debit collector ignored my letter and sent a second letter to collect. I have sent a follow up letter from the FTC identity theft page on XXXX.
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (TX)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/2022 we received a Fraud Alert email from Citibank stating that they noticed suspicious activity on our Debit Card. I immediately called and learned they were alerted to three simultaneous ATM withdrawals from our bank account, in the amounts of {$85.00}, {$85.00} and {$84.00}. All were made at a XXXX XXXX XXXX XXXX, in XXXX California on XX/XX/2022, at the same time. 

I informed the Citi fraud representative that the ATM charges were NOT made by us ( my wife is a joint account holder ) and we had not been to XXXX CA. Its 75 miles from our home. After 41 minutes of answering their questions they said they would investigate our claim and assigned case Number XXXX. 

On XX/XX/XXXX we received an email from Citi that our fraud claim was declined. They said it was declined because we had possession of our cards, which is true. The cards have never been out of our sight for any reason. 

I insisted on appealing their denial of our case and asked for clarification as to why our fraud claim was declined. The Citi fraud representative told me all we could do is refile our claim. So we refiled a new claim on XX/XX/XXXX, case Number XXXX with the same information as the first claim. 

We have been customers of Citi for 26 years in good standing. We take pride in our perfect credit history and are on very solid financial grounds. We would not create fictitious fraud claims for any reason. 

Citibank is not taking us seriously when we give them our assurance that we did not make the three charges at the XXXX XXXXXXXX XXXX
Consumer complaint received 2022-02-08
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX U-verse Account XXXX I've tried several times to remove this unfair information from my report as it directly relates to a disaster issue I have no control of, and it clearly states that on the report.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THERE ARE UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CONSUMER REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, AND THEREFORE, IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2022-02-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had an account with Bank of America checking account number XXXX, was closed by bank and bank reported to credit service on XX/XX/XXXX as Checking account Fraud. 

I received detailed consumer report from XXXX XXXX XXXX today XX/XX/XXXX wherein I came to know the reason for my previous account closure with Bank of America, as of this negative reporting XXXX XXXX  put a temporary hold on my account and initiated account closure. 

I called Risk department of Bank of America at XXXX spoke with XXXX XXXX Employee ID XXXX, to know the transactions which bank deemed to be fraudulent but XXXX was not able to provide any information, as the XXXX XXXX report states all the ACH transactions since my account opening with Bank of America. XXXX stated she is not able provide me details of the transactions which initiated account closure for fraudulent transactions and said I need to speak with Claim/ Dispute department at XXXX, I called them and spoke with XXXX XXXX employee Id XXXX, she said she can only raise claim or dispute to any transaction/s which I dont recognise and cant help me with information or activity which initiated fraudulent transactions on my behalf and account closure and I need to speak with Risk Management department. 

Please help me to solve this matter.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I SUBMITTED AN INVESTIGATION INTO MY CREDIT REPORT DUE TO INACURRATE INFORMATION ON BOTH AND CONFLICTING REPORTS VIA USPS MAIL TO TRANSUNION AND XXXX AND HAVE NOT RECEIVED A RESPONSE VIA MAIL IT HAS BEEN OVER 30 DAYS NOW AND I JUST RECENTLY SENT OUT ANOTHER INVESTIGATION VIA MAIL BECAUSE I HEARD NO RESPONSE FROM THE FIRST ONE.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MA)

After reviewing my statement from XXXX XXXX via Synchrony Bank I noticed there were card security fees, a phone number was listed and the call hours are between XXXX EST I've called numerous times. There is a pre-recorded message saying to please try again later, which I've been doing. No other department at Synchrony can help because it's a specific card security department.

Synchrony will only show it's customers 11 months worth of statements, and every single one had these fee 's that I never signed up for or authorized. The fee 's have added up to over {$80.00}, and that's just on the statements I was able to view. 

Beware of this card, they will charge you for a program you never signed up for a hide behind the fees. 

I've never had a late payment, and I am appalled by what little resources they have to fix this.
Consumer complaint received 2022-02-08
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. (NC)

I spoke with XXXX from Equifax on XX/XX/2022. I was provided with a reference number XXXX and instructions regarding the deletion of fraudulent accounts on my consumer credit report. I followed the instruction and I have yet to get what I was promised. These fraudulent accounts remain on my report along with the XXXX XXXX late pays that was also demanded to be removed on that phone call that is also being reported inaccurately. 

Equifax is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had been a victim of XXXXdentity Fraud on the date of XX/XX/2022. My XXXX phone was hacked and all the money in my Bank of America Savings & Checking Account was being used in various locations for various things. These charges range from the low hundreds to the thousands until the account had been run dry. I found out days later after the damage had been done. I went to my Bank of America Financial Services location to put in a fraud claim on my debit card and checking account. I also needed to go there to verify my identity with them physically, because the fraud activity rendered me unable to log into my mobile banking app which made it impossible to see what was going on. The claim was put, but I didn't get hardly any of my money returned to me. This has been going on for about a month now. I've been a member of this Bank since I first got a debit card in the early 00 's. So much so that I'm a " Preferred Customer ''. I've heard so much that the bank usually just refunds your money and continues investigating. In my case, they didn't even try. Now they've closed the case and say that they're not going give me back the money. I have a police report, bank statements, claim numbers from the bank and the phone company ( XXXX ), with dates, times, and other information. I have sent this information to the bank to help them with their investigation. They seem to be just ignoring me. Im being discriminated against by this bank and I need to know why. I don't have a job right now because I quit to caregive for a member of my family. I saved that money i had to prepare to go without a job for some time to help my Grandma and my family. Please help me. 
XX/XX/XXXX. Bank of America Claim # XXXX XX/XX/XXXX. XXXX Fraud Claim # XXXX XXXX XXXX Sheriff 's Department case # XXXX XXXX
Consumer complaint received 2022-02-08
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)

I was looking over my credit report and I noticed that the account that I have disputed has incorrect information. It shows that the last time that XXXX XXXX XXXX updated and verified this account was XX/XX/XXXX and XX/XX/XXXX. This is an indiscrepancy regarding these different reporting dates across all three credit bureaus. Also how can this be validated as correct when no one has looked at in 5 years. So I started to do a little investigating on my rights as a consumer and I discovered that the statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. I demand that this account belonging to XXXX XXXX XXXX ( Account # XXXX ) be deleted for inaccurate reporting and misrepresentation of validating a debt from the XXXX XXXX XXXX and Transunion XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I recently had my credit reports pulled by a lender and realized that only XXXX was reporting my data. After much research, it was determined that there is a problem with my social security number. It appears that at some point the last two digits of my social security number were compromised, and now both numbers are associated with my information. 

Please be advised that the last 4 digits of my social security number are XXXX, but some reports have it as XXXX. This error is having a detrimental effect on my ability to obtain credit and needs to be corrected IMMEDIATELY.
Consumer complaint received 2022-02-01
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. (PA)

I am writing to delete the following information on my file. The items need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the federal Trade Commission identity theft affidavit. Please delete as soon as possible.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX, my card was charged {$190.00} by XXXX XXXX, which we came to find out was some supplement company in Georgia with hundreds of complaints against them. There was another charge for {$49.00} the same day by the same company. And one more charge for {$190.00} ( again ) same day, same company. We were not aware of the charges until some unordered product ( a small bottle of pills - we think ) showed up at our door about a week letter and then saw the fraudulent charges on my card. I immediately contacted Barclays to make a fraud claim. We also returned the package to the sender unopened.

Barclays apparently did nothing and at the end of XX/XX/XXXX, there were 4 additional charges on the same card for " XXXX XXXX XXXX - three of these charges were for the same amount {$53.00} on XX/XX/XXXX, XXXX ( same day ) and XX/XX/XXXX. XXXX charge was for {$130.00} on XX/XX/XXXX. I called Barclays again, state that these charges were incorrect or fraud, and asked that they do something about it. About a week later we got a letter saying that the charges were legitimate because the vendor said they sent us product. I again contacted Barclys to explain that we dod not order the product and returned it immediately. I also asked for the disposition of the other obviously fraudulent repeat charges to XXXX XXXX and ask them why they dis not cancel the card immediately after the first fraud report in early XXXX. They had no answer. 

I again went through all the transactions with them on file and explained which ones were fraudulent and which ones legitimate. They said they would start another investigation. Today I received a letter from Barclays 's saying that they couldn't resolve this for some reason. I also see a variety of credits and charges on my account since I stopped using the card over a month ago. I have not activated the new card they sent me because of all of these problems.

I have tried to resolve this on my own with Barclays to no avail. Last time I spoke with them I said that I would file a complaint with the CFPB if this didn't get resolved soon. Seems like they dont care about that either.