davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

On XX/XX/2020, my company XXXXXXXX  XXXX ran it's first payroll run with Square Payroll service. I was repeatedly reminded and solicited advertisements for their payroll service. Immediately after withdrawing the funds for ACH payment, Square Inc deactivated my payroll service account without notice. Their reasoning was the fact that they can deactivate anyone 's account if they feel like stealing their money. Anyways when I tried contacting Square Inc my attempts were blocked. When I figured out a way to get around their blocks that prevent customers who had their money stolen and they then blocked my phone number. They kept telling me different dates at which the money would be returned and I realize now that there was never any intention on returning the payroll funds Square stole. Originally it was 60 days but the funds were never returned. This is a repeated pattern of behavior by Square apparently, judging by their social media mentions. It seems like pretty textbook ACH fraud. All in all, Square stole over {$17000.00} from my company and put it out of business. I have bank statements and emails verifying all my claims in the complaint.
Consumer complaint received 2024-11-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Full Circle Financial Services, LLC (DE)

I was sent a notice from a debt collector company named Full Circle Financial Services , LLC who is collecting a debt for XXXX, XXXX ( another debt collector ) regarding my account with XXXX. I did not realize this was a debt notice and that the notice had a dispute date that expired on XX/XX/XXXX. There was no other conact regarding this account and the debt from the second company involved, XXXX, XXXX. I did receive emails from XXXX  in regards to statements about how much was owed and that I was in arrears, thus heading for collections or in collections regarding this account. While doing my due diligence, in regards to researching the XXXX  account information and in regards to the amount that I actually owe on the account, I noticed a major discrepancy regarding the amount owed and the " as of '' date. The " attempt to collect notice that I received states that as of XX/XX/XXXX the amount that I owed was {$1400.00}, however while looking over the statements and researching those statements date by date and amount by amount, I found that the amount that I owed as of XX/XX/XXXX was drastically different from the amount on the " attempt to collect notice ''. The amount that my statement that is even close to the date of XX/XX/XXXX, is the statement dated for XX/XX/XXXX with a due date of XX/XX/XXXX and a total current loan balance of {$830.00}. The balance that is stated as the " as of amount due '' on the " attempt to collect notice '' from Full Circle Financial Services , LLC collecting for XXXX, XXXX collecting for XXXX, is the current loan balace for the statement dated XX/XX/XXXX and has a due date of XX/XX/XXXX in the amount of {$1400.00}. Not only have I enclosed all the statements from XX/XX/XXXX up through XX/XX/XXXX, I have also included the " attempt to collect notice '' from Full Circle Financial Services , LLC collecting for XXXX, XXXX collecting for XXXX. The XXXX statements in question and the " attempt to collect notice '' from Full Circle Financial Services , LLC collecting for XXXX, XXXX collecting for XXXX, showing the close to {$600.00} discrepincy/fraudulant amount due based off the " as of date '' of XX/XX/XXXX, are all highlighted and starred for easy accessability.
Consumer complaint received 2018-10-26
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. (FL)

The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 


XXXX account ( # XXXX )
Consumer complaint received 2018-10-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 

1. XXXX XXXX XXXX account ( # XXXX )
Consumer complaint received 2018-10-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

You as a credit reporting agency continually keep returning my disputes back as verified. How is this possible if by design they never actually conduct an adequate investigation? It is public knowledge that they simply verify the disputed items by using the XXXX system. According to the FCRA this is in no way an adequate for an investigation. I have over the course of three rounds of letters have sent demands of validation and verification to the creditors and collection companies. Since there has not been an investigation into these accounts I am DEMANDING an investigation into these accounts. I am aware of your business model you are in no way responsible for the wellbeing of the public nor do you care. You are simply a data collection company that conducts only b2b business, for the sole purpose of selling data to the highest bidder, and the integrity of that data be damned. There is no actual verifiable proof that these items are in fact mine. Under the UCC have you researched or attempted to compile any contract between me and the alleged creditor, I can give resound NO YOU HAVE NOT! I therefore DEMAND that you do a thorough investigation into these accounts as required by law. 

Please Delete the following accounts.

1. XXXX XXXX XXXX credit record ( # XXXX ) 2. XXXX XXXX XXXX credit record ( # XXXX ) 3. XXXX XXXX XXXX credit record ( # XXXX  ) 4. XXXX XXXX XXXX credit record ( # XXXX ) 5. XXXX XXXX XXXX ) credit record ( # XXXX ) 6. XXXX XXXX credit record ( # XXXX ) 7. XXXX XXXX XXXX   account ( # XXXX ) 8. XXXX account ( # XXXX ) 9. XXXX XXXX credit record ( #  XXXX )
Consumer complaint received 2017-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I have a XXXX BOA card. On the statement, it states the payment due date is XXXX/XXXX/XXXX. It also states if the payment is made after the due date. it is subject to a late fee.No where on the statement does it state it has to be applied prior to XXXX eastern standard time. 

On XXXX/XXXX/XXXX, I logged in online to pay off my balance. It was around XXXX in the evening, central time. First of all, BOA 's system would not allow for the payment to schedule on the XXXX. Rather, it scheduled it for the XXXX. Furthermore, their website instructs cardholders following the scheduled payment that the late fee will be refunded only if it is paid prior to XXXX eastern standard time. Legally, they should be required to state this time on the statement. I have screen prints of the recorded time the payment was scheduled for your records which clearly shows it was paid on the XXXX. 

I am requesting BOA refund the late fee to my account. I am attaching all the screen prints and the statement for your records.
Consumer complaint received 2019-09-03
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 am a victim of identity theft. The information listed 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 2019-09-03
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. (TX)

There is an account listed XXXX XXXX for XXXX XXXX {$1100.00}, original balance XXXX This account was settled and closed, nothing is owed. Please remove
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I have been trying to get this situation corrected for a year now but no one in the XXXX XXXX credit card services department can help me. My first issue i brought to their attention was the fee 's i was assessed in XXXX through XXXX. On the XXXX XXXX website, i was only able to pull up my XXXX XXXX, 2015 year end statement. This statement shows a continuous {$2.00} charge per month that i was unaware of. The statement also states that I was charged {$72.00} dollars for the entire XXXX calendar year. I have called customer service a million times trying to figure out why I kept getting charged and requested a full refund for all the fees related to this issue which I believe began in XXXX. I have yet to receive a refund or even an explanation that makes sense. My second issue which I believe occurred due to my first issue with the fees charged is the 30 day late reporting 's that are showing on my credit report in XXXX XXXX and XXXX XXXX. I have never missed a payment or made a late payments since the inception of this credit card. Furthermore, I have barely used my credit card that has only a XXXX dollar limit. These credit reporting 's are fraudulent and violate my rights under the Fair Credit Report Act. XXXX XXXX has charged me for fees that I have been unaware of and reported me late because of these fees. Please help me correct my credit report and receive a refund for all these miscellaneous fees that I have been erroneously charged.
Consumer complaint received 2019-09-03
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: Nevada Credico, Inc. (NV)

On XX/XX/2019 I sent a validation of debt letter to Quantum Collections because I noticed an erroneous reporting from them. I received a response back from the company, that stated I owed the debt and that it was validated. I received a print out of charges and also a contract that I DID NOT fill out and my social security number is CLEARLY missing from this alleged application that I completed. 

In response to the companies erroneous report, I sent an additional letter On XX/XX/2019, letting them know that I have never heard of their company, done business with their company and advised them that I was certain that they did NOT own an athletic club. I asked them when did they started running an athletic club and ask them to provide me the dates and times or video footage of m XXXX working out. 

Furthermore, on this alleged contract, it DOES NOT state in any capacity that I agreed to pay any interest on any debt owed.
Consumer complaint received 2019-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I have a fraudulent inquiry on my report from XXXX XXXX. Each bureau was sent a deletion letter on XX/XX/XXXX from XXXX, who had already identified it as fraudulent. 

To this date, the inquiry remains on my report and it is affecting my ability to refinance my house. 

I have tried disputing the information with XXXX but they don't have a mechanism to do this online or over the phone, and won't provide any information. 

My Experian online account has been compromised - despite having a secure password, the email address was somehow changed on my account without my knowledge, and any username/password requests go to a different email and there is no mechanism to disable the account or create a new one. And there is no way to talk to a customer service human on the phone. 

XXXX  does not allow you to upload any supporting documentation for an inquiry, so they immediately close a dispute without any resolution despite receiving a deletion letter.
Consumer complaint received 2019-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX declined my XXXX XXXX application based on " You have recently been past due '' using TransUnion as the credit report. TransUnion says there are zero recent past due accounts. XXXX XXXX says TransUnion reports recent past due accounts to them. XXXX XXXX refuses to tell me what the past due accounts are. TransUnion says there are none and therefore I can not dispute anything. My score on the decline letter is XXXX. I am appealing to the CFPB because I have no way to dispute " recent past due '' accounts that do not exist. Note that XXXX XXXX blames TransUnion and TransUnion blames XXXX XXXX. Numerous calls to both, recorded by them, have failed resolve.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On or around the date supplied, I called Capital One to verify I was in collections with them. I called Capital One to verify this debt when I was advised that there were 2 closed accounts that needed attention. I worked out a payment arrangement to get them both paid off so I can work on rebuilding my credit. After 5 years, and trying to apply for a mortgage, I find out that Capital One did not close my other account. Upon inquiry of the open account, they claim I only paid 1 of the 2 accounts that I had open. I told the person I spoke with that I called Capital One to pay them both off, and said informed me that I must have been routed to a 3rd party collector, as when someone who is in collections calls, the system automatically routes them to the third party. I was unaware of this. The person I spoke with in the initial call informed me that both accounts were going to be paid upon, when the last person at Capital One informed me that he gave me incorrect information, and I would only be paying on one account. Since this person was speaking on behalf of Capital One, and seeing as how the account has been charged off, and Capital One has been paid to this account, I only find it fair that they take this off of my credit so I can proceed with my mortgage.
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

Hello, my experience with Wells Fargo has been unsettling to me and many others. Theres been times in the past where Ive tried to return items, been victim to stolen packages, and have had my emails hacked and tried to reach out to Wells Fargo for assistance retrieving my funds and theyve been little to no help. XXXX often treats their customers as liabilities and dont do anything to rectify or prevent the situation. For context my brother has XXXX ( XXXX XXXX XXXX ) which can affect his mental state and his ability to understand certain topics. In the past Ive spent money for him to play games on his XXXX account but never more than XXXX or so at a time and they always be spaced out. He took it upon himself to steal my card without me knowing and spend all the money on it. As soon as I found this out I called the bank immediately and they said theyd be filing a claim. My XXXX main issues are how can someone spend {$770.00} within a XXXX hour period on the same service and I dont get a single sms or email asking if I approve the transaction. I dont ever spend that type of money in XXXX sitting. The only way I was even able to find out was when I got a notification that the card was declined and then from there I checked the account and moved forward. Companies need to be held accountable for their negligence as at XXXX point he stole {$400.00} in XXXX sitting from my account and I didnt get a single sms, email, or anything to verify the transaction. My second issue is how can my card be maxed out essentially under the account he uses for his games which is not under my name. I contacted XXXX and was told that they couldnt help me directly because my card was used under an account that isnt in my name. This makes no sense to me as you can use the card and take the money out of my account when it isnt in my name but when it comes to helping me rectify fraudulent transactions now you can no longer help me. Another complaint I have is shouldnt the bank be able to see XXXX not older than the legal age to gamble and reach out when over {$770.00} is taken within a XXXX hour window to ask if these are fraudulent or not. Sunday XX/XX/year> at XXXX PM EST {$160.00} was taken, {$160.00} was taken out again at XXXX PM EST, {$400.00} was taken at XXXX PM EST, and {$50.00} was taken at XXXX PM EST. I want to emphasize that I wasnt notified about any of these transactions, only when all the money was taken out of my account and it declined.
Consumer complaint received 2019-07-01
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)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 35 of the attached credit report. ) I fortunately did NOT have to make a visit to the emergency room in XX/XX/2019 as is being reported. I have attached a copy of my identification along with a copy of my insurance card for reference. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. Please remove these line items from my credit report.
Consumer complaint received 2019-07-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I was invited to open this account, it says if I deposit XXXX it will give {$500.00} bonus. " {$500.00} bonus you maintained a daily balance of {$50000.00} or more for the first 90 days following the Initial Funding Period. '' But I never received those bonuses.
Consumer complaint received 2019-07-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2019 Asset Acceptance threaten to sue me by garnishing my wages, in the amount of {$1200.00} about a debt that is unknown to me..
Consumer complaint received 2019-07-01
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. (FL)

I contact Equifax several times regarding a reported collections XXXX XXXX XXXX. I have sent them a police report and they do not remove the collection account.
Consumer complaint received 2023-10-12
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. (MI)

The primary information being reported are not correct such as the open date, date last activem date of payment history. These are all violations of the Fair Credit reporting Act, which is harming me from obtaining funding to buy a home for my family. 

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 USC 1681. 

XXXX XXXX, XXXX  XXXX, XXXX  XXXX, Sate of Mi XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish a account without my written instruction.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called them and I asked them to remove the same issues that I have been solved it XX/XX/XXXX from trans union credit bureaus I talked to many different level of employees in dispute department, I asked them why they did report wrong and inaccurate info again? 
The supervisor didnt remove and disconnect on me! After spending two hours by phone! 
Please remove a hard inquiry from XXXX XXXX XXXX that appeared again on XX/XX/XXXX and reduced my score 27 dawn ASAP. 
They want to report all old info again or because of malfunction of their system, it happened automatically. Ether one I requested to remove it I appreciate it. 
XXXX XXXX
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION (OH)

On XX/XX/2019 i noticed fraudulent accounts on my credit report and challenged them. The accounts were removed by XXXX & XXXX   because evidence supports my accusations. XXXX was the only company to not take my claim serious enough to remove it from my report that's what brings me to this report. I have accounts on my reports that do not belong to me and i'm having to suffer. These fraudulent accounts are hindering my growth.