davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

on my credit report, which I have determined to be the result of identity theft. Under the Fair and Accurate Credit Transactions Act ( FACTA ), Section 605B, I am requesting that these items be blocked from my credit report as soon as possible to prevent further damage to my credit history. 
The following accounts were opened fraudulently without my consent or authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there have been unauthorized inquiries made by the following entities : XXXX. XXXX XXXX. XXXX  Please note that all the above creditors have already been notified about this incident. As per FACTA Section 605B, I am requesting that these fraudulent accounts, along with any associated records and inquiries, be blocked from my credit file. The action is to be taken within four business days of receiving this documentation, preventing these items from affecting my credit score and from being used in credit decisions.
Consumer complaint received 2024-09-19
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.1682c-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of mobile telecommunication for XXXX open XX/XX/XXXX, XXXX XXXX XXXX reported on XXXX and gym memberships open XX/XX/XXXX for XXXX XXXX XXXXXXXX and XXXX XXXX open on XX/XX/XXXX. These accounts have resulted in fraudulent collections and charge offs appearing on my consumer XXXX credit report maintained by you which shows aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or charge offs are resulted from this matter. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer charge off collection accounts resulted from this matter.
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

On XX/XX/2023, a payment was made ( {$2500.00} ) on my loan account that resulted in XXXX of my loans having a negative balance. 

I have two loans now, one of which is positive and the other is negative. The balances should cancel each other out and the total balance should be XXXX. 

Unfortunately, the positive balance continues to increase with interest and Edfinancial Services will do nothing about subtracting the negative balance. 

I have had a " finance request '' in progress with them for over 3 months with no results. Customer service says there is no timeline nor method of escalation. My student loan balances continues to climb despite being paid off.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 informationisinaccurate.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the Account XXXX : XXXX
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NY)

I believe the account is invalid. BARCLAYS BANK DELAWARE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. BARCLAYS BANK DELAWARE XXXX
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NH)

I already informed cash apps that im a victim of Identity theft and I want to close my account to them. Ftc /fbi /police department informed me to close all my savings and checking and anything that involved with the love scammed I had. I got 1099B from Irs sales that im not involved. Up to now since XX/XX/2021, Cash apps is giving me hard time closing my accounts with them. I already give then ftc info but still now my account still open and the 1099B sales dont know what to do, I informed Irs for fraud transactions with this from cash apps.even XXXX charging me which i disputed.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (PA)

XXXX  cancelled my account after 7 years of doing business with them. Tried contacting with no way to speak with someone to try to reactivate my account. They did give a warning but ended up cancelling before I could read the alleged terms of service warning in my email. 

XXXX XXXX, We're sorry to inform you that we are deactivating your account. We reviewed your account and found transaction types prohibited by Section 35 of the Payment Terms. 
We regret that, starting today, you will no longer be able to process transactions using Square. 
Due to the unusual or high risk activity associated with your account, your outstanding Square balance will be reserved for up to 180 days XXXX but no less than 90 days XXXX, unless circumstances require that we extend this reserve period. If you do not want us to reserve your funds, you may refund the payment back to the cardholder account. 
We appreciate your having chosen Square and apologize for any inconvenience this may cause. 
Sincerely, Square Compliance Team This is a non-commercial message sent to you by Square , Inc. 
Email preferences : Please note that you may receive non-commercial email in accordance with your Square XXXX Agreement, whether or not you elect to receive promotional email. 
FAQ : If you have any questions about Square, please see our help center at : https : XXXX XXXX XXXX XXXX  : Keeping your personal information secure is one of our most important responsibilities. For an explanation of how Square protects your personal information, please visit the Square website to read our Privacy Policy.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against Citibank regarding the recent closure of my XXXX credit card accounts. My name is XXXX XXXX, and my date of birth is XX/XX/year>. My phone number is XXXX. 

I was deeply disturbed to learn about Citibank 's discriminatory practices against individuals of Armenian descent, particularly in the XXXX area, which have been addressed by your bureau. As an XXXX  with the last name " XXXX, '' I believe my accounts were closed as a direct result of this discrimination, despite my exemplary credit history and strong relationship with the bank. 

Throughout my time as a Citibank customer, I have maintained exceptional credit and have never missed a payment. My accounts have consistently been in good standing, with no recent high balances or excessive inquiries. It is perplexing and unjust that Citibank would choose to close my accounts without any valid reason. 

I urge you to review my account and the circumstances surrounding its closure. If Citibank does not reopen my accounts, I am prepared to join the class action lawsuit being filed by XXXX XXXX. I have documentation proving my exceptional credit history and will provide this to XXXX XXXX to demonstrate that the closure of my accounts is a result of discrimination. 

I am requesting that Citibank reconsider its decision and reopen my accounts. I would prefer to resolve this matter amicably and without resorting to legal action. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

My CASHAPP account was hacked and {$1500.00} was stolen. On XX/XX/2020 someone transferred {$1500.00} ( in 3 separate {$500.00} transactions XXXX to their account. This is pure fraud. I did not make these transactions and I do not know wh the recipient is. I was working at home when my phone started pinging and I received notifications of these transactions. 

I had several email exchanges with a CASHAPP representative. They claim that the transaction was from a device that had previously accessed CASHAPP. That is not possible. I has the only two devices XXXX my phone and my laptop ) in my hands as the transactions occurred. 

The final email from CASHPP is attached, in which they claim that they have no responsibility. Also attached is my CASHAPP statement showing these fraudulent transactions.
Consumer complaint received 2024-11-02
Product: Credit 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: Chime Financial Inc (LA)

On Tuesday XXXX i woke up to see a XXXX transaction on my account i immediately contacted my bank cancel my cards and submitted a dispute a week later I received an email saying my dispute was denied after talking with customer service they asked for more information I sent XXXX different emails from the company that appeared for the transaction the emails told me to contact my bank and ask them to dispute the transaction because XXXX cant tell me what account my card was used for and it wasnt mine because I pay only XXXX for prepaid XXXX XXXX and the money wasnt applied to my account my bank denied it so I filed a police report submitted more information and they denied me again actually they denied me 8 times Im on XXXX XXXX and Im behind in my bills because of this
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TN)

There was a total of {$200.00} deposit to my cash app. The cash app showed a total of {$150.00}. I dispute the amount before any withdrawal was taken from the {$150.00}. They continue to address the {$150.00} and the transfers made. I have disputed on several occasions the inaccuracy of the amount. I am requesting {$46.00} be returned to my account. Cash app continues to close the complaint without rectifying their error. 

XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I booked a flight in XX/XX/year> using my Citi credit card points, totaling XXXX points ( equivalent to {$1100.00} ), for a trip scheduled in XX/XX/year>. However, I canceled the flight within the required timeframe to receive a flight credit. Unfortunately, Citi switched travel agents during this period, and it seems that in the transition, my booking information was lost. I have been following up on this issue for several months, but Citi has not issued a refund of my points, and their representatives claim they have no record of my booking. 

Despite multiple attempts to resolve this, I have not received my points back. I believe the confusion caused by switching travel agents is responsible for the loss of my information, and I would like Citi to address this and issue the points refund as promised. 

Booking Date : XX/XX/year> Airline : XXXX XXXX  Citi Points Used : XXXX Trip ID : XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am appealing for your support concerning the misleading account on my credit report. The issue has badly hurt my reputation, and I need your help. Your mismanagement of my credit report has deeply damaged my standing, and these wrong details must be removed immediately.
Consumer complaint received 2021-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/XXXX {$500.00} was sent on cash app, when I noticed what was going on I then sent a cancellation request and I also sent an email that cash app letting them know what had happened. I have sent every documents they have asked for repeatedly!! I don't get an answer at all!! All they keep doing is sending me an email asking for all the information and once I send it all I then get an email asking if I could rate how my experience went with such agent that has emailed me!??! I am also going through identity theft! I have written cash app more than 10times and this yet to this day has not been settled.. please help me
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

American Express ( " Amex '' ) has not honored a promotional offer for a credit card I opened for 3+ months despite having contacted/chatted with Amex several times about it. Amex has acknowledge that I qualify for the promo but has done nothing to resolve this problem. Every time I contact Amex they give me the ring around ; they tell me to check back in 2-4 weeks, that I should see the promo credits within the next week, that they'll call me in 24-48 hours, etc. None of this has actually led to any resolution. They either tell me to wait longer when I check back in ( at the time THEY told me the issue should be resolved by ) or don't call me back. 

Sequence of events : XX/XX/XXXX : I opened an American Express Delta Reserve credit card with a promotional offer of XXXX Delta miles after $ XXXX in spending in the first XXXX months. ( Amex acknowledges that is promo was active in the attached chat messages ). 

XX/XX/XXXX : I meet the spend threshold for the promo. ( Amex acknowledges this in the attached chat messages ). 

XX/XX/XXXX ( chat log ) : I contact Amex about having not received the promo miles. They tell me their back end team will investigate and " we will await for the resolution in 2-4 weeks. You may also check back with us from time to time. '' XX/XX/XXXX ( chat log ) : I contact Amex again about having still not received the promo. They confirm the promo was active and that I met the threshold on XX/XX/XXXX. The say that I should expect the points " within the week. '' XX/XX/XXXX ( chat log ) : Still haven't received the promo so I contact Amex again. They tell me to " contact us back in 7-10 days ''. I find this unacceptable so ultimately ask to either receive the points or close the card with a full refund of the annual fee I paid. Ultimately, the rep tells me that a supervisor will call me within 24-48 hours. As of XX/XX/XXXX, I have not received a call.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc (TX)

I can't login the phone number associated has been attached to a XXXX account and belongs to XXXX the person has taken over my XXXX account as well. Phone number associated was an XXXX XXXX XXXX  number XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.