davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

I am XXXX years old. I have been a Discover Credit Card customer for over XXXXyears. I have never missed a payment. Discover was one of the first credit cards I received that helped me build my credit. I started with a credit line of {$2000.00} and they slowly increased my credit line to {$4800.00} due to my good payment history. For some reason, during the pandemic, Discover closed my credit line. At the time, I had a XXXX balance so, I didn't realize it for a few months. This negatively impacted my credit given : ( 1 ) it closed an account that I had since I started to establish credit ( lowering my average length of credit ), ( 2 ) dramatically increased my credit utilization given the {$4800.00} credit line had a XXXX balance, however, it was one of my larger credit lines, and finally ( 3 ) it says that it was closed by my creditor which is another negative impact. As I stated, I have always paid all of my creditors on time since I first established credit at XXXX years old. My income has only increased over the past year and I have had a stellar payment history with Discover. There was no reason for Discover to close my account, particularly in the middle of a pandemic.
Consumer complaint received 2021-02-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am one XXXX XXXX person at these so call credit bureaus. Since XXXX of 2020 I have been trying get things taken off my credit report there are so many things bein reported wrong that need to be corrected or removed. Why is this taking so long and why are am I have to go thru this XXXX by writhing to complaint? How hard is it to make these changes or remove them from my report? I have attached copies of the disputes I already file just so you know it been done
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

The cash app, owned and operated by square cash in XXXX XXXX, CA. closed my cash app account without prior warning and didnt provide me with a reason other than the ambiguous, intentionally vague violation of cash app terms of service. 

I have repeatedly asked customer support to detail which term my account violated and they have refused to do so. They closed my account which caused financial loss for me. I was unable to use the stored balance to pay bills that were due and I was charged {$100.00} of late fees across various accounts.
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/2020 I incorrectly sent a payment in the amount of {$180.00} via cashapp to an inactive cashapp account. I resent the money to the right recipient account and then requested a refund via cashapp for the money sent to the inactive account but because the account is inactive there is no one on the other end to issue a refund. So I reached out to cashapp in hopes they could assist me, they had me send all the information only to turn around and tell me the following : Thank you for providing that information. Looking at your account, I can confirm these funds were successfully delivered to the recipients Cash App. I understand you have sent money to their other account, however Cash App is unable to cancel or refund completed payments. 

If the recipient is having trouble accessing that account, please have them contact us via their app or our Help Center. 

Feel free to pass this info along to the recipient and please let me know if you have any further questions.
Consumer complaint received 2021-02-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CarMax, Inc. (CT)

XXXX. I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XXXX of 2017 XXXX XXXX XXXX sent me a bill which is a violation of 15 USC 1692b. 

XXXX. I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. Pursuant to 15 USC 1635 the creditor was required to disclosed to me in my consumer credit transaction that I had the right to rescind the transaction. I was never provided the forms needed to rescind this consumer credit transaction nor did Carmax Auto Finance tell me my right to rescission pursuant to XXXX XXXX XXXX. That is in fact a violation because Carmax Auto Finance withheld this information
Consumer complaint received 2021-02-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I sent a request to investigate inaccurate accounts on my credit profile. It has now exceeded 90 days since I sent my inquiry, but I have yet to receive a response to these inaccurate records on my profile. I understand it is my right to ask for a thorough investigation.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC. (MI)

The Car company ran my credit without my permission. I already got my credit ran from my credit union and a pre-approval letter given to me by my personal banker for me to purchased the car on XXXX XXXX. They still proceeded to run my credit through multiple finance companies after i had showed them the approval letter of the amount that my credit union would give me including the apr rate. The amount the credit union approved me of was XXXX. No action was taken by them yet on the inquiries they put on my credit report.
Consumer complaint received 2021-02-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am one XXXX XXXX  person at these so call credit bureaus. Since XXXX of 2020 I have been trying get things taken off my credit report there are so many things bein reported wrong that need to be corrected or removed. Why is this taking so long and why are am I have to go thru this XXXX by writhing to complaint? How hard is it to make these changes or remove them from my report? I have attached copies of the disputes I already file just so you know it been done
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (AZ)

In XXXX of XXXX, I took out a {$30000.00} fixed rate refinance conventional loan with BMO Harris. I would make payments and most of it would go to interest but every payment reduced principal some. Starting in XX/XX/XXXX I noticed something odd. All of my payment was going to interest. I remembered that BMO Harris changed who was managing the account as an agent. In the process my account number changed and for some reason my payment was only going to interest and the principal stayed the same. In the process of calling them a lot, I was told my new loan number was a daily simple interest loan, not what I signed up for or authorized. I have been trying to resolve this with BMO Harris for weeks but no resolution has come about and they have run me around in circles with little care. Changing a loan type without my approval feels criminal.
Consumer complaint received 2021-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Transunion stated that there is an unauthorized third party in my last complaint and that they needed authorization, Transunion be advised that this account that I have with CFPB is my account that me and my wife XXXX XXXX use together, in my complaint I uploaded a copy of my drivers license and a copy of my social security card, therefore I really don't understand why you said authorization is needed, this is XXXX XXXX and this is mines and my wife XXXX XXXX 's account! You are authorized! Now let 's try this again, PLEASE RESPOND TO MY COMPLAINT BELOW! 

Transunion has Violated the FCRA by not properly verifying to me how they obtained the Bankruptcy information on my Credit Report. Transunion sent me a response letter indicating that the Bankruptcy was Verified as Accurate, In the letter, they listed the Court name address and phone number, which indicates they XXXX be trying to say that they have confirmed through them that the Bankruptcy is Accurate. The FCRA under XXXX and XXXX XXXX says, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the XXXX XXXX Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. The only problem with Transunion XXXX XXXX is, I sent the Court a letter asking if they provide Consumer Bankruptcy information to third parties, such as Credit Bureaus, XXXX XXXX, and the Court sent me a returned letter confirming that THEY DO NOT PROVIDE Bankruptcy information to any third parties, such as Credit Reporting Agencies, therefore, this Bankruptcy is INACCURATE and UNVERIFIABLE and must be deleted! If Transunion says that they did not say they obtained the information from the Courts, they are still in XXXX, because they failed to give me the name, address and phone number of their Furnisher in compliance with the FCRA. All Documents uploaded and attached for proof and verification.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (KS)

I received a delinquent letter from my County about my 2020 property taxes in XXXX, which was strange because when you review my online account with Dovenmuehle they show 2 payments. I investigated with the County and they have no record. I called Dovenmuehle 4x and they never offered to help or open a Support Case, finally I called my originating local bank and they opened a Support case on my behlaf and the only response was " it will be 5-10 business days to investigate '' ... .a month went by and nobody ever did anything. Now my local bank got involved and they can't get an answer. Nobody at Dovenmuehle will respond to call or emails. I've asked Dovenmuehle for specif dates and amounts and " cleared payments '' they will not provide. The only response I've gotten from Dovenmuehle is when I gave them a bad phone survey, they tried calling me 3x to talk about the survey, but not actually solve my problem. When I spoke to the Surveyor, he said " oh I can only help with the survey ''
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX A 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 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 2024-11-16
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: Arivo Acceptance, LLC (HI)

I did not authorize following inquiries showing on XXXX credit report : XXXX XXXX Arivo Accept 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-26
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: EQUIFAX, INC. (MD)

Bureau 's informed me of a mortgage that I'm unaware of. They refuse to remove that, the addresses, phone numbers and other inaccuracies on my file. 
XXXX  is the only bureau that granted me a freeze and fraud alert. 
Equifax and XXXX refuse to grant me a copy of my credit report. 
XXXX  and Equifax refuse to comply with granting a freeze of any sort. Its clearly fraud happening and I am trying to take control of my credit.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

XXXX / XXXX / EQUIFAX HAVE REPORTED OVER XXXX INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION WHICH IS A VIOLATION OF MY PRIVACY RIGHTS PER 1.THE PRIVACY ACT OF 1974 2.15 USC1681 ( B ) PERMISSABLE PURPOSES THEY WERE ALSO SUED FOR THIS BY THE FTC IN XXXX XXXX XXXX FOR THE SAME ACTIONS. 

XXXX, doing business as XXXX XXXX XXXX, will pay {$300000.00} to settle Federal Trade Commission charges that ads for its free credit report offer failed to disclose adequately that consumers who signed up would be automatically enrolled in a credit- monitoring program and charged {$79.00}. The FTC alleged that the failure to clearly disclose the enrollment and charges violated a previous settlement. 

In XX/XX/XXXX, XXXX, paid {$950000.00} to settle FTC charges that it deceptively marketed free credit reports. According to the FTC, XXXX offered consumers a free copy of their credit report and added that they would provide 30 FREE days of Credit Check Monitoring. The FTC alleged that XXXX advertising and Web sites failed to explain adequately that after the free trial period for the credit-monitoring service expired, consumers automatically would be charged a {$79.00} annual membership, unless they notified the defendant within 30 days to cancel the service. XXXX billed the credit cards that it had told consumers were required only to establish your account and, in some cases, automatically renewed memberships by re-billing consumers without notice. In addition to the {$950000.00} payment, the settlement required XXXX to pay redress to deceived consumers, barred deceptive and misleading claims about free offers, and required clear and conspicuous disclosure of terms and conditions of any freeoffer. 

The FTC alleges that XXXX ran ads after the settlement that violated the disclosure requirement. The settlement requires XXXX to give up {$300000.00} in ill-gotten gains, and bars it from misrepresenting any affiliation with the annual credit report available to consumers under the Fair Credit Reporting Act. 

The stipulated judgment and order named XXXX XXXX XXXX, doing business as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The Commission vote to accept the supplemental stipulated judgment and order was 5-0. It was filed in United States District Court for the XXXX XXXX XXXX XXXX in XXXX XXXX.
Consumer complaint received 2021-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One stated to your agency ( CFPB ) under case # XXXX that they have resolved the issue. 

To date, no action has been taken and the credit bureaus have not received any notification. I verified this information with XXXX, which still has the disputed information on file and stated that they have not received any updates. 

Please resolve this issue.
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

On XX/XX/XXXX, at XXXX XXXX  Cash App debited {$72.00} from my account in error. I have reached out to have my funds sent back and account unlocked and I have not received a response. 

Initially, I was advised ( with a general response ) that the State of Michigan deposited Unemployment Funds in error. I have already confirmed the deposit to my cash app with the State of Michigan, on behalf of my husband who personally spoke with the State of Michigan. 

I asked for Cash App to refund my {$72.00} and they have not done so. 

It is wrongful, and discriminating to ASSUME that someones funds were wrongfully deposited without ANY documentation.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (LA)

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 XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Late payment : XXXX XXXX Inquiries : XXXX Sales Financing XX/XX/year> XXXX
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

TRANSUNION HAS BEEN REPORTING A ACCOUNT WITH XXXX XXXX AS A REPO WHICH IS INACCURATE. THIS WAS REPORTED ON XX/XX/2020 BUT NO ACTIONS HAS BEEN TAKEN TO REMOVE. 
ALSO A ACCOUNT WITH CREDIT COLLECTION SERV IS BEING REPORTED AGAINST ME AND THATS NOT MY ACCOUNT. THESES ARE VIOLATIONS OF THE FCRA AND I WILL BE SEEKING LITIGATION IF THE TWO ITEMS ARE NOT DELETED IMMEDIATELY. IVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMISSION IN REFERENCEC TO THE MATTER.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America and XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00}. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.