davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
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 (FL)

On XXXX XXXX, 2019, BANK OF AMERICA add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (TX)

NCB knows this debt is fraudulent. They were told this multiple times. I was a victim of identity theft. My wallet and passport were stolen at the time. Not only do I not owe them a simgle dollar. I will also seek damages for all the derogatory remarks they'e been adding to my report in harrassment. I attached below a copy of my stolen passport report confirmation.
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Santander account used to say open and delinquent after XXXX. When in fact I traded my vehicle in XXXX for another vehicle. Had that investigated by XXXX  and was updated to delinquent and included in Bankruptcy. Ask XXXX  to reinvestigate it two years ago. Was never included in my Chapter XXXX bankruptcy that was discharged in XX/XX/XXXX. Still paid a note a traded it in XXXX for another vehicle. When checking XXXX  credit report again for Santander, it still saying reinvestigation in progress and included in Bankruptcy.
Consumer complaint received 2020-11-19
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. (PA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

my bank XXXX XXXX XXXX XXXX XXXX is linked to cash app and it Transferred money to two different people who I do not know on XX/XX/2020 for the total amount of {$3000.00}. Attempt to contact my bank and was I formed I still had to pay back the money because it was from my cash app account. Tried to explain what happened and was still informed it was my responsibility. Attempted to contact cash app and heard no response back. To this pay Im still paying the bank back.
Consumer complaint received 2020-11-19
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: Aqua Finance, Inc. (FL)

On XXXX XXXX, 2019, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, AQUA FINANCE add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2019-12-19
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. (FL)

I am writing because I would like your help in enforcing my request to the 3 credit bureaus who have refused, despite my multiple requests, to remove inaccurate names and inaccurate addresses from my credit report. I have specifically stated that they put me at risk for ID theft as a result of these multiple entries on my credit report and yet they failed in honoring my request and hence maintaining the integrity of my credit file.
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WI)

First payment was due XX/XX/2020. Per our previous lender XXXX XXXX who sold the loan ) we were to make that first payment through them, and we did ; they cashed our check XX/XX/2020 and advised they forwarded the payment to the new lender - BSI Financial - onXXXX. As of today, XX/XX/2020, XXXX claims they have not received the payment from XXXX. Today ( XX/XX/2020 ), after two previous attempts via phone in the past week, I was actually able to speak to someone at BSI and they kept repeating our account is past due, past the grace period, and they do not have the payment from XXXX. 

Additionally, we received notice from XXXX ( our previous lender ) on XX/XX/2020 that our loan had transferred to BSI. On XX/XX/2020 we received confirmation from BSI. A little over a month later, our account information is still missing Payee information for our Property Taxes and Homeowners Insurance. Also, the minimum amount due does not reflect the required amount to be paid into escrow monthly. Upon noticing these errors right away in mid-XXXX, I attempted to contact BSI via their websites " email us '' option, and received no response.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

ON XX/XX/2019 I SETTLED 3 ACCOUNTS WITH XXXX. BOTH XXXX  AND XXXX XXXX ARE REPORTING THE ACCOUNTS CORRECTLY EQUAFAX HOWEVER IS STILL SHOWING 2 OF THE ACCOUNTS OUTSTANDING AND DESPITE MULTIPLE DISPUTES REFUSE TO CORREBT THE INACCURAT INFORMATION
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (PA)

I received a US Bank Reliacardin the mail in the week of XXXX XXXX, 2020 and did not request the card. I can not get through to anyone at US Bank to make sure it is not active. This looks exactly like a legitimate Visa card but I read online that there is a fraud scheme issuing false employment benefit cards especially to retired people or those who may have been part of a past fraud scheme. 
I am working and was part of the XXXX  and XXXX frauds a year or so ago. 
I did not activate the card but began the activation process before hanging up, thinking that if I activated it I could finally contact someone to close it - then thought better of that move. 
How can I check to make sure this card is not active?
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this XXXX  collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2019-12-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (AL)

Original Loan was {$870.00}. I was told that if paybacks were made on time that total cost of loan would be {$1200.00} ( Im approximating ). 

I have paid {$110.00} on schedule every week totaling XXXX I though I was almost done. I call in and they say I still owe another XXXX if paid by XX/XX/XXXX. 

I do not understand the legality of a {$870.00} loan turning to a {$2000.00} loan when all payments are being made on time. This is not what I was told with the online approval.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

On XX/XX/2020 my Cash App account was locked for alleged unusual activity. It has not been unlocked to date and it is impossible to make contact with them. I received one email requesting information pertaining to devices used to access the account and responded with all information immediately. The app states that I should regain access within 24hrs, and it has been nearly three weeks as of now that I can't access my sole source of income ( unemployment payments deposited to this account ). I managed to  get a response from their XXXX account, but they only state that someone will look into the issue and get back to me " soon ''. Meanwhile, I can not pay bills or buy groceries and am about to be homeless because of this. On XX/XX/2020, I received a text and an email from cash app that my number and email had been unlinked from my account. It appears they have deleted or cancelled my account- which is fine by me- but they are in possession of my $ 9000+ balance and the lack of response to my increasingly panicked requests for assistance is disgusting. On XX/XX/2020 I requested an instant transfer of my account balance to my linked bank account on a device I was still logged into Cash App on. This transfer has not been received as of this writing. I have attached screenshots of the same for reference.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I keep having problems with Experian. In fact this is the only company I have had this many problems with! They stopped reporting my XXXX XXXX  information and when I called and asked XXXX they said the reported to everyone. I asked them to submits it again to Experian. So they did .... My score went down 11 points! How? They raised my credit limit from XXXX to XXXX for good credit. Other credit reporting agencies have me in the high 6 and 700 range. EXPERIAN HAS ME IN THE LOW 600s! I'm trying to buy a house! Its so silly. My credit limit on my 2 cards is XXXX Experian still has it at XXXX. Help me please
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (VA)

I've been dealing with incompetent representatives since XX/XX/XXXX and unlawfully closed my case without resolution and consent. There have been over 19 email exchanges, XXXX interactions pinpointing their flawed accounting data. They have refused to respond to my additional correspondences. In addition, I want to file a complaint for accounting fraud, in violation of consumer rules, laws and regulations. I've made it clear to them I would be filing a complaint if they do not respond and gave them a final notice. They have blatantly disregarded my concerns and unlawfully hoarding my funds. 

The account started with {$8.00} and I added {$75.00} on XX/XX/XXXX totaling to {$83.00} balance. I attempted to make a {$75.00} purchase but was declined. Each time it was declined, my funds became unavailable. So, I added another {$75.00} but was declined again and my cash was taken out. Because I was utilizing a 10 % rebate promotion, the system credited {$7.00} which is why I have a current balance of {$91.00}. They released the {$75.00} hold which they corrected voluntary. But based on all the declined purchases, I should have a balance of {$160.00} which the representatives have disregarded. They also confirmed they were having technical issues. They keep saying they refunded both {$75.00} but they haven't. I believe they misread the numerical data and mistook {$75.00} for {$7.00} in their spreadsheet ( also attached ). I am requiring the {$75.00} returned that is rightfully mine and compensation for the issues they have caused including their unprofessional ism and unethical practices.
Consumer complaint received 2020-11-19
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. (TN)

This account is FRAUDULENT / FRAUD. 
On XX/XX/XXXX at XXXX XXXX someone opened a fraudulent account in my name. 
This account is unauthorized and not of my knowledge. I reached out to XXXX XXXX to dispute this claim directly with them but the account remains on my credit report. 
I have been disputing this negative account since XX/XX/XXXX with a total of about 5 phone and online disputes and maybe 1 direct letter sometime after that through Experian. Experian keeps saying this : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. In every dispute I requested validation of my signature and documents pertaining to this fraudulent account that Experian insist is accurate. Experian has yet to provide me with any of my requests as my credit remains AFFECTED. This is also my second CFPB report containing a complaint about this same exact fraudulent account. If Experian can't provide a transparent method of verification showing the accuracy of this fraudulent account in my name through XXXX XXXX with my signature on legal documents THIS ACCOUNT NEEDS TO BE DELETED AND REMOVED from my credit file / report. This a VIOLATION of FCRA laws.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (TN)

On XX/XX/2013 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I Have an account with Capitol One in Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Tel No XXXX Account Number XXXX Routing number XXXX A withdrawal was done from my account. Contacted bank for more information. Bank indicated that the withdrawal funds came from XXXX. Advised bank that I only go to XXXX to search for friends not to purchase anything. In fact I did not know that you can buy goods at XXXX. Indicated bank to do an investigation. Bank refunded the funds before investigation took place. At a later Bank informed that they are taking funds again because they found that the funds came from XXXX. Bank refuses to give anymore information. I have not purchase anything In XXXX. Requested more information. Bank indicated that the charges are from XXXX no more information. I have a negative balance in my account. I changed account for another many incidents in the past that I will send a complaint after this one. If you need anymore information please to XXXX [
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/2020 I mistakenly transferred the amount of {$750.00} to the wrong person who would not refund the transaction. I contacted CashApp support on XX/XX/2020 by disputing the transaction because I was unable to reach a representative by phone. I then received a generated response saying that if it was a peer-peer transaction they unfortunately could not resolve. I reached out through XXXX  on XX/XX/2020 as well and was messaged by their team who said that they could report the account, but could not retrieve my money from them.
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I purchased shoes through cash app from company, XXXX on XX/XX/XXXX for the amount of {$210.00}. I have not my shoes. Cash app will not allow me to request money back or cancel payment. I also asked him when the shoes would be shipped when making the purchase. He told me it would be shipped the following week. I have reached out to XXXX for shoes, no response.
Consumer complaint received 2020-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

XXXX dollars was taken from my account on a promise that goods will be delivered ... and those goods were never actually delivered. Hence I was engaged in fraudulent purchases I've tried to request a refund which has not been answered and I reached out to cashapp support so that they may help me and have not reached a conclusion. This person has has taken money from my account freely and has no intention of giving that money back. I was unaware that I was not protected from cashapp and would like to gain my money back and even help cash app identify these scammers using any information that I can give them. It was first a payment of XXXX dollars and then a payment of XXXX dollars. I feel foolish for trusting in the person, but I have proof that the person did not promise on any of the goods and has stopped all contact with me Please be aware of cashapp and theyre lack of customer service- it'll be a fight to get a chargeback from your bank. Currently in that fight and hope to get this resolved as quickly as I possibly can
Consumer complaint received 2020-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC. (CO)

This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. 
They did not send me proper verification ( I ATTACHED THEIR " VERIFICATION '' ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated. 


I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2020-11-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (CA)

I was contacted by Good Mortgage ( unsolicited ) on XX/XX/2020 to do a refinance since rates had dropped and they were a retention company for my lender. I submitted all the information they wanted, and it was determined that I was under the 50 % DTI, but just barely and that they were sure we would be approved for a 2.875 refinance rate. My credit score was in the 800 's and my house payments were always made on time, usually on the first day of the month. I was making a {$3800.00} payment, and the refinance would have dropped my payment about {$600.00} - {$700.00} a month, so of course I would be able to make a much lower payment. Over the course of the last 3 1/2 months, everything changed. The first disclosures were in my name only. After a short while, my husband was added, then removed, then added again. I paid an exorbitant amount for an appraisal wherein the appraiser was not even at my house for 15 minutes, took no measurements, and could have easily used the comps as he came in at least {$350000.00} under the same types of homes in my neighborhood ( with similar upgrades of course ), but still giving me a ton of equity, about {$750000.00} - {$800000.00}. And, then magically, my under 50 % DTI was changed by Good Mortgage to well over 50 %, although absolutely nothing financially had changed in my life, except that my income had actually increased. Then, after that, Good Mortgage needed to show additional income of {$2000.00} a month via a letter, and we submitted that and met that requirement. In fact, we showed more than {$2000.00} additional coming in monthly. I have an entire email string from XXXX to today 's date that I can forward to you. Good Mortgage would ask for something which we would meet and that was to be enough, but every time we met their new requirement, there was another one. The goal posts were constantly changing. I can't say for certain, but my guess is that this is a scam to get the hideously high appraisal fee from as many people as they can and then submit their denial. That money adds up rather quickly and makes a lot of money for this company. Three and a half months in, and the person working on my file said " the discussion is closed. '' Again, I believe it is a scam to collect the very high appraisal fee from individuals with no intention of completing the refinance.