davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MO)

On XX/XX/XXXX, XXXX amounts were taken from my cash app account XXXX and XXXX for a total of XXXX. I have written to Square Inc 5 times and each time they send the same response denying that the funds were taken from my account and referring me back to the company that is listed as taking the money. Each time I have explained that the XXXX company does not have the funds and that they never had access to my cash app card or account. They continue to send the same message. Someone has apparently hacked my account and have requested money over 50 times and Square Inc keeps sending me to XXXX saying it is them and I have been in contact with them and they did not request money from that card or account and have never received in funds on my behalf.
Consumer complaint received 2020-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp. (GA)

3 weeks ago I received an e-mail welcoming me to my new Worldremit money transfer account. I received a text with the necessary info to complete my account. 
I contacted Worldremit via their website notifying them I did not, nor have I ever, had an account with them and that any such account was identity theft. I asked that this fraudulent account be closed and any and all personal information be deleted. 
Worldremit has continued to e-mail and text me. I called today to try and resolve the matter since they never responded to my request. The customer service rep listened to me, then put me on hold to never return and I was disconnected. I called back and the customer service rep told me it was impossible to speak to someone about this and to e-mail. I advised that I had e-mailed to no response. She insisted that that was not possible they ALWAYS respond. I asked to be transferred to fraud/theft/consumer protections and was again told this is not possible. I asked how to delete the account and was again told not possible. I want this theft of my identity and fraudulent use of my name to cease.
Consumer complaint received 2020-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Homespire Mortgage Corp (FL)

My family closed on our home XX/XX/XXXX. We were not required to make a payment until XX/XX/XXXX. We were informed that our loan would be transferred to a new loan servicing company, which happens to be a company by the name of XXXX XXXX, but the dates as to when were still unclear. We were told we would receive a notice with the new loan information. It had came time to make XXXX payment and we still had not received notice from the new loan servicing company, XXXX. I contacted my original loan officer XXXX XXXX with Homespire Mortgage and was informed that any payments due before receiving notice from the new loan servicing company was to be paid to Homespire Mortgage using their online payment portal. The payment for XX/XX/XXXX was paid to Homesprire Mortgage on XX/XX/XXXX I have bank statements as well as conformation that the payment had processed. I was informed by XXXX XXXX that the payment would be transferred once the new servicing company, XXXX XXXX was in place. It is now XX/XX/XXXX and my payment for XXXX still has not been transferred to XXXX XXXX. I have made countless attempts to reach XXXX XXXX regarding this issue. I have provided her with MR.COOPER companies information as well as the loan numbers for the new servicing company so that the payment can be transferred and she has failed to do so. She has failed to respond to any emails or phone calls. I have provided XXXX XXXX with proof that the payment was made, I am continuing to get calls from XXXX XXXX requesting payment for the payment that has already been made.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (UT)

Nelnet is reporting lates on accounts # XXXX & # XXXX that I should not have. My accounts were in forbearance and I should not have gotten any lates on them during that time. I would like them removed off of my credit file.
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2019 my card was charged 4X the amount approved for a purchase. I immediately contacted the selling company and cancelled my order PRIOR to the charge posting to my account. The next day I saw the pending charge for 4 times the actual amount. I immediately contacted American Express serve and was told they couldn't do anything until it posted. The next day I contacted them and told them it was a fraudulent charge and I was unable to receive a response from the merchant. They weren't answering the phone or fb messages or emails. I have 5 emails of proof that I cancelled this order immediately I have NEVER received any product and amex REFUSES to credit my account. As a XXXX   XXXX {$92.00} goes a LONG ways to feed my kids. Amex serve has done MANY other sketchy things with regards to holding funds that weren't theirs .... holding direct deposits etc. I want my money refunded and this account CLOSED immediately.
Consumer complaint received 2020-01-05
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. (DC)

I called Equifax today at XXXX because the current address listed on my recently obtained credit report was wrong. The representative I spoke to was located in the XXXX. I have not consented to having my credit information shared with call centers outside of the United States. I'm concerned about how my personal information and privacy is protected in third countries with weak contract enforcement and weak rule of law. This is especially true given the XXXX data breach that exposed the personal information of 147 million people. Equifax also could not tell me which credit company incorrectly reported to it in XX/XX/XXXX an address I lived at 8 years ago.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

After sending several letters to XXXX requesting verification of a Bankruptcy that is currently being reported on my consumer report, they continue to reply stating that the Bankruptcy has been verified and continues to be reported. After requesting information on how that verification took place, they continue to respond the same way. Under the laws that govern the FDCPA, to verify a debt or " Bankruptcy '' you can not verify a Bankruptcy through 3rd party means. After speaking with the United States Bankruptcy Court District of Nevada, they have already made it clear that NO information is reported to ANY credit bureau. In such, means that the credit reporting agency is getting their information from a 3rd party, which is not legal for reporting.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp (NE)

I am writing this letter to express my total frustration with the dishonest and unethical behavior by HomeAmerican Mortgage Corporation ( HMC ). I have bought 5 homes over thirty years ( this is the second in Colorado ) and have never experienced anything close to my recent purchase. 

We initiated the purchase of our property in XX/XX/XXXX and provided a number of items at that time to the HMC. We also communicated that I would be retiring in XX/XX/XXXX and that my Daughter and Son in Law would live in the house for the duration. In XX/XX/XXXX,  our current house would be sold ( it is 100 % paid off ) and the proceeds would pay off the remaining loan. 

In XXXX we were asked to sign an Occupancy and Financial Statement ( OFS ). We marked second home. HMC insisted we sign this as an investment property. The OFS states that the owner intends to never use the home as a residence under this option. The OFS also has a section about fraud, misleading or inaccurate statements. We told HMC we would not sign this document as an investment property since that would be committing fraud. 

On XX/XX/XXXX, we were given the dates for our guided tour of the new home ( XX/XX/XXXX ), final home inspection ( XX/XX/XXXX at XXXX XXXX ) and closing ( XX/XX/XXXX at XXXX XXXX. ) Then the nightmare started. With less than one week to go, we started receiving a barrage of information requests from HMC. Most of the items could have been provided months ago. With 2 days to go, XX/XX/XXXX ( XXXX XXXX ), HMC insisted that we sign another Occupancy and Financial Statement as an investment property. I told them we would cancel the house purchase before I committed fraud. Quite frankly, the underwriter should be fired for their unethical insistence on how this was to be signed. 

As this point, we believed the process to be over. We attended the final home inspection on XX/XX/XXXX and found out HMC was wanting more information and that the closing would be delayed. I was still sending information at XXXX XXXX that night, over 5 hours past the closing time. This put us in a major bind. In all of my previous home purchases, once a closing time as set, the process was over. We had a number of items being delivered on XX/XX/XXXX. We decided to take the risk and did not cancel any deliveries. We should have never been put in this situation. 

On XX/XX/XXXX, we were told that we would close at XXXX XXXX, but that HMC was still wanting more information. All items that were submitted were from XX/XX/XXXX or earlier. Items that could have been provided months ago. 

It wasnt until we were driving into the parking lot of the XXXX XXXX at XXXX XXXX that we received word that HMC had clearing us for closing. 

During this last week, we went online and found a number of other individuals that have also have negative experiences with HMC. It is my hope that actions are taken so that nobody has to experience what we went through.
Consumer complaint received 2020-01-04
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 have been disputing this account for a long time now and all I wanted is to have this account removed from my credit report. XXXX XXXX XXXX ACCT # XXXX****I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated .The credit bureaus have failed to show me signed documents showing that the account belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts belong to me. Please help do something about them.
Consumer complaint received 2020-01-04
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. (NC)

I have been disputing this account for a long time now and all I wanted is to have this account removed from my credit report. XXXX XXXX XXXX ACCT # XXXXI have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated .The credit bureaus have failed to show me signed documents showing that the account belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts belong to me. Please help do something about them.
Consumer complaint received 2020-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Coinbase.com advertises the ability to earn rewards for staking XXXX. all one needs to do is meet the requirements and hold at least 1 full XXXX  coin in their account. the account is supposed to receive ~6 % annual interest on your holdings delivered every three days. 

i have received no rewards after 60 days and holding over 700 XXXX  coins in this account. after contacting coinbase they can not describe why they are not giving me my money, simply floundering to find an excuse. i meet every requirement they set and have double checked every setting and there is still nothing. they are using my stake and keeping the rewards.
Consumer complaint received 2020-01-07
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 DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX  OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2020-01-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Cash Central tried to collect for a debt from 2011. The debt was sent to XXXX XXXX. This account is too old to be reported, and it is also not my account. I recieved no communication from XXXX XXXX on it. They put the info on my credit report.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I made a payment for {$950.00} more than my minimum payment due on my credit card account to US Bank, the payment i made is for the month of XX/XX/XXXX, & XX/XX/XXXX unfortunately US Bank charge my account a late fee for making my XXXX payment on time, I was told that theyve applied the {$950.00} for the month of XXXX. Additionally I got charge for making a payment on the day is due ( XXXX ) of every month. Id suffered financial abuse from US Bank that cause me to take action & closed my account.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.
Consumer complaint received 2018-07-12
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)

XXXX  as well as Experian needs to update report as XXXX balance and as a paid and serried charge off as XXXX  has done in their reports which I will send photo of credit reports showing XXXX reported correctly and XXXX  and Experian has not. XXXX XXXX XXXX needs to notified XXXX  and Experian as a XXXX balance and a paid and settled charge off
Consumer complaint received 2020-01-07
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)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2018-07-12
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. (NJ)

ask the three credit major credit reporting agencies equifax, XXXX XXXX, XXXX  to remove negative remarks and inquies from my credit report since XX/XX/2018 of this year sent 4 rounds of letters
Consumer complaint received 2020-01-04
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: Experian Information Solutions Inc. (NY)

I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U.S. Bankruptcy Courts confirmed the three reporting Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Consumer complaint received 2020-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF NEW YORK MELLON CORPORATION, THE ()

What happened? 
1. 
We were owners of XXXX shares XXXX ADR issued by the Bank of New York Mellon. ISIN was XXXX. 

Book value of 1 DR was XXXX USD per DR ( as was stated in XXXX annual report of XXXX  ). 

Bank of New York Mellon only paid XXXX USD per DR cash proceeds for the termination of the ADR. 

Book Value exceeds cash proceeds by 15-fold. 

The company XXXX is a healthy company and keeps on producing steel at large scale. 

2. 
The payment was sent with check. ( But the check was not cashed instead it was refused to be cashed. ) 3. 
Bank of New York Mellon declared us, there were no dividend payments paid by XXXX. This was a round lie. XXXX officially declared dividends for the years XXXX and XXXX. 

The Bank of New York Mellon has never paid us the dividends. 

4. 
Bank of New York Mellon not even paid the full cash proceeds of XXXX USD per DR . 

We should only receive XXXX USD per DR . Although we are no US citizen nor US residentials the Bank of New York taxed us over five thousand USD. 
We need help in this case as we are victims of obvious fraud. We are able to proof every detail of our accusation with documents. 

Finally we ended up with nothing, we not even get the XXXX USD per DR because the checks were refused to be cashed. We lost all our funds invested in the DR product issued by Bank of New York Mellon.
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

For this i am stating a concern i have with a credit card listed on my credit score account, listed on both XXXX XXXX and XXXX that a Kohls credit card account ending in XXXX was opened on XX/XX/19 and reported around XX/XX/19. 

This credit card was received through mail, having a {$300.00} credit limit and this was used by me, or opened by me, at all, and reflecting a balance of {$190.00}. I contacted Kohls Credit Card Company to find out some info they provided me sounded sketchy, as I had this account to be review as fraudulent, providing them with my social, d.o.b, and name. 

I don't know why this has not happened already, there toll free # is XXXX XXXX XXXX XXXX