davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: DISCOVER BANK ()

I am completely XXXX, my mother has been handling my account/affairs. My ex left me with a huge debt. She was only a co-signer on account. The other accounts are paid off. XXXX XXXX negotiated with Discover and I signed the XXXX XXXX XXXX XXXX. XXXX XXXX takes money out of my checking and payments are handled by XXXX XXXX XXXX. I paid {$8000.00} ( XXXX ) up front to show my seriousness towards getting this paid off. My debt was to be complete XXXX. XX/XX/year>, according to XXXX XXXX, Discover ( represented by XXXX XXXX XXXX ) stopped accepting payments. Discover/XXXX  wants XXXX full amount ( originally {$44000.00} ) The players in this fiasco are XXXX XXXX who promised to protect and get me through this process. XXXX XXXX collected my monthly payment and dispersed payments. XXXX was a legal group assigned to monitor and protect my file. XXXX XXXX, attorney in XXXX XXXX, Texas assigned to handle the lawsuit. I signed the XXXX XXXX promptly. XXXX XXXX was late in responding ; however Discover was accepting my payments ; the XXXX XXXX eventually was handed over. Payments were accepted until XX/XX/year> and out of the blue decides not to honor the agreement. I have done everything-EVERYTHING that was expected and I have not been protected by any of the parties involved. For awhile I was working with XXXX from XXXX XXXX. She assured me XXXX XXXX was accepting responsibility ; however she did not document these statements in the file and now she is on XXXX XXXX. I have no backup except phone calls are supposed to be recorded for " training purposes ''. XXXX was let go and XXXX XXXX replaced XXXX and XXXX XXXX. They are expecting me to accept the default situation and pay out the final monies. Over {$5000.00} has been taken out of my account to make up for XXXX. I am not liable for these dollar amounts as I kept up my end of the agreement. I have documents and a series of emails that I can provide. I can provide phone numbers, account numbers, and a lot of names that have not assisted me. Most people do not return calls. I contacted XXXX XXXX 's office and XXXX her office representative strived to find answers and she gave me this site. My mother handles my affairs, has dual POA, and is available anytime at the number given. I NEED HELP.
Consumer complaint received 2023-09-20
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXXXXXX 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 2023-02-02
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. (LA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/year>, I went to use my credit card like any other normal day, to my shock the card was declined. I opened up the Wells Fargo app and saw that both of my recently issued cards through Wells Fargo were closed. I called the number on the back of the card and I was told that my cards were on a block for " Income Verification ''. I was told the letter would take 2 weeks to get to me, and then I would have to send it back or go into the branch. Two weeks passed and I received my letters, one for each card, each asking for form 4506-C. I filled out the form and signed the other paperwork, and then went into a branch to submit the paperwork. The branch told me that they had no clue what to do with the paperwork and that they would overnight ship it for me. Two more weeks passed and I call customer service to ensure that my letters were received. Both letters were still not received, insinuating that the branch never mailed out my documents. The letters were reissued by Wells Fargo after talking to 5 different customer service agents. Many customer service agents had never heard of the issue that I was presenting and were of no help. I repeated the process, this time asking the Branch to Fax my paperwork, on XX/XX/year>, to the fax number provided, over the phone. I called the Credit Customer support the next day and they said that they had received my paper work. I also requested my issue to be elevated to the executive offices, which was done for both cards. On XX/XX/year>, one of my cards with a {$500.00} balance remaining completely disappeared from the app, leaving me no way to pay it off. I called the direct line of the executive office and they said that unfortunately my card had been closed, due to them not being able to verify my income. I asked how this was possible seeing that I had submitted all of the paperwork needed for them to verify my income, and my representative was unsure and elevated my case even further. On XX/XX/year>, the same thing happened on my other card, raising my questions even further. I requested information regarding the reasoning behind these closures because being unable to verify my income is not a valid reason seeing how I submitted the paperwork to do just that. I still have not received any answers and really doubt I will with how unhelpful many of the Customer support agents have been.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ive been getting scammed for almost 2 years and every time I report it, they will make me fill out a claim for an investigation then always deny it. 
So after seeing my whole entire check disappear, I called the fraud department. The same company that has been scamming me and took out XXXX XXXX and some change and I had to fight that. I requested for a new debit card twice and never showed up, and yes I even checked if it was my address and it was. They denied me for no reason, i requested documentation from them and they said it will take 5-10 business days and I never got it.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed complaints with TransUnion, XXXX, and XXXX for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below. 

The failure to mark this disputed account as disputed by the company constitutes a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the last activity on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date. 

This business has consistently done nothing to further verify this collection account.
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company (TX)

Last year fall our family changed phone companies. We stitched from XXXX to XXXX & XXXX XXXX 
I went on the website to make my final payment to them in XXXX & I was locked out of the account. I called XXXX & I was told by a representative that since I no longer have an account with the company ; I therefore have no longer have no access to my account. No bill was sent to my address. My monthly bill with them would usually be {$350.00} per month. 
I called several times and the representative would tell me I now owe {$650.00} due late fees and other fees added. I disputed this amunt and agreed on a settlement of {$350.00} on XX/XX/XXXX of this year. The representative assured me that this was an agreement and no more atttempts will be made to contact me regarding anymore payment. 
However Frost-Arnett a collection agency in Tennessee has been contacting claiming I owe them {$290.00}. This claim has also showed up on my credit report which is frustrating.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX has violated my rights. Or a list of inquiries : 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Recently, I reviewed my credit report and discovered several inaccuracies.

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports. According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the chang
es.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XXXX, Equifax and XXXX are reporting an XXXX XXXX BUSINESS credit card account on my personal credit report. I reported this issue to all XXXX credit bureaus several times, yet no resolution.
Consumer complaint received 2024-07-09
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. (LA)

My account with XXXX XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-07-09
Product: Credit reporting 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. 

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  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 2023-02-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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
Consumer complaint received 2024-08-08
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: JPMORGAN CHASE & CO. (CA)

I paid for the service on XX/XX/XXXX, and XXXX business days ( XXXX week ) with no information or response about the service I paid for I asked for my money back.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

I am writing to formally submit a complaint regarding an issue I am experiencing with Square , Inc. My Square account has been randomly locked, and I have been unable to access funds totaling approximately {$300.00} from a business transaction I completed. Despite multiple attempts to resolve this issue directly with Square, they have not provided any additional information or verification of my identity, leaving me without access to my money.

Details of the Issue : Company Name : Square , Inc. 
Account Balance : Approximately {$300.00} Date Account Locked : XXXX XXXX I have tried to contact Square 's customer support through various channels, including phone and email, but have received no satisfactory response. They emailed me on XXXX XXXX stating they can not give me any additional information on why the account was locked or help me any further. Furthermore, I have called and can not get through to anyone as the answer machine told me the representatives can not help me because my account has been locked. They have also locked the transfer option, and I am unable to link my bank account to withdraw my funds. 

Attempts to Resolve : Contacted Square Support via phone and email on multiple occasions. 
Provided all requested documentation to verify my identity. 
Reached out to Square on social media platforms.

Despite these efforts, Square has not provided a resolution or a clear explanation for the account lock. This has caused significant inconvenience and financial strain.

I am seeking assistance from the Consumer Financial Protection Bureau to help mediate this dispute and facilitate the release of my funds. 

Please let me know if any additional information is required. I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly.