davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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. (TX)

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.

The letters are stated with items and issues.

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 2023-06-09
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NY)

XX/XX/2023 an invoice paid in person - card present payment with emv chip inserted at terminal. 

In less than an hour. The transaction was flag by square. Payment held by square. 

XX/XX/XXXX, XXXX Customer disputed the transaction. 

I challenged the dispute. Documents and other relevant info submitted to square. 

XX/XX/2023 - My account was deactivated by square Account funds were on hold for 90 days before square transfer funds to my external checking account XX/XX/2023. - I follow up on status of my account. 

Square team told me that my account is back to normal status. 

However, I had doubts and it clearly shows. The square company does not have credible communications inside their company. 

XXXX XXXX. Square sent an update on my dispute. Reporting the bank review and investigation done by the customer bank. 
The final result was in my favor. I won the dispute challenge. 

On the email it clearly noted the bank credited and deposited the disputed amount to square. 

However, when I called square. They are not giving me the funds from the disputed transaction and will be holding it again for 90 days. 

Moreover, I already waited and followed all the policy and procedures of transaction dispute. The bank already decided my challenge that the transaction was valid and I officially earned the funds that my business worked on. 

Why square had to hold the funds in addition to the funds thats on my square account amounting to {$6800.00}.
Consumer complaint received 2022-09-15
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$1100.00}.
Consumer complaint received 2022-09-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (UT)

We are a veteran family who was forced to put our home into forbearance at the beginning of covid-19. After the first 3 months forbearance, we attempted to exit forbearance, at which time Wells Fargo increased our payment from {$830.00} per month, to {$1100.00} per month, for a year. This modification was signed for by my husband only. We made one payment at {$1100.00} per month, then realized that we could not afford the increase. We immediately went back into forbearance. At the end of the moratorium, we applied for a modification, which was approved, but was based on the {$1100.00} per month increase, rather than the {$830.00} original payment. The result was that our payment went up after modification rather than down. Our new payment is {$910.00}, which results in a net increase in our payment, if compared to the {$830.00} we were actually paying before attempting to come out of forbearance the first time in XXXX of XXXX. Basing the modification on the increased repayment proposal that was only signed by my husband and not me, is unfair. The modification should have been based on the actual payment before covid-19 hit, not the adjusted payment of trying to exit forbearance during covid-19.
Consumer complaint received 2022-09-15
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX 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 Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have attempted several times to dispute the information on my capitol one card ( XXXX ) & ( XXXX ) this account is reporting incorrect balance owed as we settled these accounts. This account was paid by garnishment and settled. this account is preventing me from getting employment with the government. I would like this account removed from all credit reporting agencies please as i am trying to get employment and its a barrier.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted this complaint early today and it didnt take. Attached is a letter from XXXXXXXX XXXX. This letter proves that the 6 accounts that were dumped into my credit file last month were done in error. This letter proves there was no validation done with the original creditor or those accounts would not have been validated. The ATTACHED letter clearly shows the XXXX accounts I am referring.
Consumer complaint received 2022-09-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (TX)

I attempted to make a purchase from XXXX using Klarna. Klarna initially asked for a {$48.00} down payment but then I was declined from using Klarna Klarna declined me. I then use the same debit card to purchase the item in full. Klarna still has charged me the down payment. I have been charged {$48.00}. The charge was first pending and I contacted Klarna on XX/XX/XXXX and was told the charge was pending it will be released but now on XX/XX/XXXX I have been completely charged {$48.00} by Klarna it is no longer pending the charge has completed XXXX is not assisting me saying that it is showing pending in their system although I have sent them a screenshot of my bank statement. I do not even have any pending purchases in the app for Klarna
Consumer complaint received 2022-09-15
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  : Account number XXXX, has 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. My credit report is attached to reference this account
Consumer complaint received 2022-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

XX/XX/XXXX- Did a payment of {$15000.00} to my edfinancial account. It lowered the balance of one of my four loans. 

XX/XX/XXXX- heard the loan forgiveness program was passed by XXXX. As a pell grant applicant, I would be approved for up to {$20000.00}. Later on, I read that I could ask for a refund on the amount I paid. 

XX/XX/XXXX - XXXX Called to ask for a refund on a payment done. The representative let me know that they will start processing the refund, but thousands of people have applied for refunds so it can be over a year for it to get processed. If I wanted to cancel my refund request, I could do so at anytime. I asked if at least the amount would be updated on my edfinancial account so that I can apply for the loan forgiveness program. He let me know that this would happen at the same time I get the refund. He told me to not apply for the loan forgiveness program until after I get the amount updated on my account. I thanked him and hanged up. 

Later on that day, I realized I didnt get an email notification or anything that stated that I started this refund process. 

XX/XX/XXXX - XXXXXXXX XXXX I called back to ask for a confirmation number or if I could receive an email. The representative let me know that Edfinancial does not do that, but instead, it is noted for them in my profile and I can call back next month to check on the status, but that they dont know what the refund timeline would be. She let me know that the last day to apply for the loan forgiveness program is XX/XX/XXXX so to hope and pray it gets resolved before then. 

I have been told that to get refunded or my account updated, it will take well over a year, but that I cant receive anything in writing. However, I am more than welcomed to cancel my request.
Consumer complaint received 2022-09-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (TX)

I'm trying to fix my credit and I call JPMCB-Auto Finance `XXXX chase bank '' to find out about my acct to negotiate because they still have the car title. I call to get verification on the whole acct they denied that information and I ask for a supervisor he told me that same thing so, I ask to get a letter of agreement to settle this issue, they denied that too. call back again today XX/XX/XXXX the lady gave me a whole different story from the 2 previous agents. account was open XX/XX/XXXX account was Charge off, {$0.00} written off {$1800.00} past due but it was charge off since XXXX was update in XX/XX/XXXX. I ask about the car title they didn't want to give me information about it either. agents I talk was XXXX Id # XXXX XXXX Id # XXXX. I check all 3-credit bureaus in all 3 bureaus have different dates and different address on this company.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, I have disputed, called and wrote /mailed all 3 credit companies XXXX XXXX XXXX XXXX TransUnion about the personal information that listed I have sent in proof of my identity & actually address to all 3 but they are not updating my credit reports correctly my correct name is XXXX XXXX XXXX XXXX my correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my employer is XXXX XXXX XXXX XXXX XXXX my correct and only phone number is ( XXXX ) XXXX I would like for all other personal information listed on all 3 reports permanently removed immediately and if not removed then they should pay {$1000.00} per incorrect information listed, thank you!
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Change of Address Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Experian, XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my addresses to : Please update my name to : My only social security number is : My only and correct date of birth is : My only employers is : I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

From XXXX to XXXX the loan balance was incorrect. This loan was from XXXX. I owe the XXXX. But Navient falsely put on my report that I owed over XXXX. And they continued to do this. I want the account information removed immediately.
Consumer complaint received 2022-09-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC (MD)

XXXX it was XXXX something how can a collection account amount change or grow I is incorrect needs too be removed Ive sent several request too investigate but keep saying its accurate how if the price changes on a collocations on XX/XX/2020 a collection amount shouldnt change
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/2022 I was a victim of a scam. I was the treasures for an organization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the president of the organization used to email me when I had to pay someone or a business for any services to the organization. One day I received an email asking me to wire XXXX to a USAA bank account. Then they asked me to XXXX  XXXX to XXXX different email addresses. I sent the money and days later, I got a call from the XXXX asking me what is going on with the account and I told her I paid who she asked me to pay. She then tells me that she never emailed me so then I noticed that the email was first hacked then spoofed to make it appear that she was emailing me from the organization email. I then contacted XXXX XXXX and USAA so they can investigate the fraud transactions. They could not recover the money because they said that it was sent though a third party. I would like to recover the money because it was part of a scam and I fell victim to it.
Consumer complaint received 2022-09-14
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. (TX)

Ive sent MULTIPLE letters to this bureau and Ive requested multiple times to show me hard proof of any signed documents that I physically signed. According to 15 USC Chapter 41, that is required by the bureau when requested. I dont agree with any third party verification or the XXXX  system. Nothing involving me and my credit report should EVER be verified through any software. I am asking for hard proof, if not. This should be deleted. Ive attached all the letters Ive sent requesting the HARD PROOF VERIFICATION, not any verification through any software, third party verification, and/or XXXX!
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (NV)

I have two accounts being reported by NCA incorrectly. I disputed the accounts with them directly as I do not recognize them as mine. Upon calling NCA for more information, they advised me these accounts were opened in XXXX. However, they are intentionally reporting the open date as the date they received the accounts in their office ( XXXX ). This is making a significant impact on my credit score. I have attempted to speak with them, as well as disputed the reporting through XXXX XXXX with no avail. I dont understand why this is allowed, so that not only does it have more of an impact on ones credit, but they are also able to report for far longer than they should be able. I want this fixed immediately. As well as docs to prove these accounts are even mine in the first place, as I have never taken out these loans!
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Albert Corporation (MI)

Albert XXXX refused to honor the terms of the bonus that they offered. I can prove that they are breaking federal laws. I have screenshots from their website which will prove their crimes against me. I will be very specific with my CFPB complaint and I will not waste your time. I will only include the relevant details. I applied for a checking account and I was approved on XX/XX/2022. Albert XXXX was offering a {$500.00} bonus for new customers when I was approved. I met the requirements of the offer and they still refused to pay the bonus. I have included screenshots of the terms from XX/XX/2022. I met all of the requirements and Albert XXXX tried to avoid paying the bonus. Please stop Albert XXXX from taking advantage of their customers through false advertising. If you do your research you will see that Albert XXXX has a history of trying to scam their customers. 

I contacted Albert XXXX through their app on XX/XX/2022 and XX/XX/2022. They refused to provide any help to resolve the issue.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

I am initiating another complaint because my prior complaint was NOT resolved at all by the bank, but their response seems to have caused the complaint to be marked closed. I did provide feedback on their response but I do not know whether that will have the effect of keeping that complaint active. 
To summarize, I issued a check to a business payee in XXXX, using the bank 's online XXXX XXXX system, which simply means the bank mails the check to the payee. The check was stolen and fraudulently endorsed. It's been two months since I brought it to the bank 's attention, which includes a delay of probably two weeks because the XXXX XXXX XXXX  mistakenly submitted a Reg E review, when what was needed was a fraud review. The bank 's fraud department has since been investigating it, and awaiting a response from the thief 's bank ( XXXX XXXX ). My complaint is that I should be credited by now for the obviously fraudulently endorsed check. What goes on between TD Bank ( my bank ) and XXXX XXXX ( the thief 's bank ), is between them. I am a customer of TD Bank and everyone from the bank who looked at the evidence easily agreed it was fraudulently endorsed.
Consumer complaint received 2022-09-14
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. (MO)

Reccently, I did an investigation on credit report which caused me to XXXX XXXX XXXX XXXXXXXX upon finding out that unverified, invalided, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act Convergent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Dept of EducationXXXX has 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 a account without my written instructions Thank you very much for your time.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

I use the Chase Sapphire Reserve credit card from Chase. One of the benefits we have is trip protection, provided by Card Benefit Services. I had a qualifying trip interruption that occurred in XXXX XXXX XXXX  and, despite providing all documentation requested by Card Benefit Services, still do not have a resolution for my claim. It's been about 2 months at this point and I am repeatedly told that my claim is in the final stages of review and I will receive a decision in 1-5 business days. Every time I am told that I will receive a callback, they do not call me back. There is an outstanding claim for a couple of XXXXXXXX XXXX and I have no other way to recoup this loss.