davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (IN)

On XXXX  XX/XX/year> on XXXX, while traveling for work in XXXX XXXX I received a text message that some transaction was complete. It was a unknown individual I believe who hacked into my XXXX  account and transferred themselves {$2000.00} XXXX. At no point did I know the person whom did this unauthorized transaction. The name of the recipient on the account is XXXX XXXX. I do not know this individual whatsoever. The transaction recipient tag was XXXX. 

While in XXXX I did not make a single purchase of anything. I did not use Zelle at all. Or even my own banking, debit, or credit card either. I also did not visit any website or make a single a purchase. The hotel I was staying in was called, The XXXX XXXX. I stayed from XXXX XXXX. 

I have contacted both XXXX XXXX  and Zelle themselves. I have put in a claim for fraud ( XXXX both XXXX and Zelle XXXX in their there investigations they determined that they would not be able to assist me/help me. Reason being because it was sent from my phone. Which I did not do whatsoever. I am struggling to resolve this issue with both XXXX and Zelle. I would recommend that no person use Zelle through their bank.
Consumer complaint received 2023-06-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I checked my credit report, and I saw a bunch of information that doesn't belong to me, from personal information, unauthorized inquiries, and account debts with several creditors and lenders that I don't recall having transactions with. I reached out to XXXX, Equifax, and XXXX to dispute the inaccurate information, and it appears that they don't take my dispute seriously as I haven't received any feedback from them and it's been more than days already since I sent them a letter to conduct an investigation.
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (NV)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2023-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Adjustment Service, Inc. (FL)

Here another debt collector I am not aware of, I do not have a contract with the collection company or anything type of agreement, can understand why company are so easy to pull collection on consumer credit report. It also looks fradrulant trying to collect on a non-existent account.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, CAPITAL ONE XXXX, CAP ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XXXX XXXX I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: American Credit Acceptance, LLC (TX)

I bought a used XXXX XXXX when I was XXXX XXXX XXXX. I had little credit and had been denied over and over again and I was desperate. The sticker price of the vehicle was {$13000.00} give or take and I barely got approved but never the less was approved by American Credit Acceptance. I was young, I had been in the dealership for nearly ten hours, and I felt like I had no choice but to accept. I was told my monthly payments which were technically within the budget I had naively set for myself and I was rushed through the paperwork so as not to dwell on that fact that not only was I sold an extortionate service contract I didn't ask for but that I would be signing for 26.6 % apr and it would cost me $ XXXX should I pay the loan as intended. ( Not that anyone every expected me to get that for or cared whether I could ) At the time I was making $ XXXX plus miniscule tips and it was immediately apparent I could barely afford this vehicle. I've since gotten better jobs and struggled with this XXXX car for nearly 3 years, earning myself XX/XX/XXXX of dollars in late fees and paying nearly the entire sticker price of the car in interest without touching the principle balance. I couldn't afford to insure it, I couldn't afford to maintain it, it's currently dead outside my house and I'm about to surrender it to ACA but I know they're going to sell it for {$3000.00} and come chasing me down for the deficiency and I've had it. I should've never been offered this loan and it's criminal nickel and dime me three years later having already collected the entire value of the vehicle from me and still demanding an additional {$17000.00}. I made a mistake and I learned the hard way. I shouldn't have to pay for it for the next half a decade. American Credit Acceptance should drown in their debt.
Consumer complaint received 2023-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

Workers and manager within the company Nation Star have tried multiple times to fix the accounting error. I am told it can not be fixed as they have few home equity loans and no process to permanently resolve. On the payment records they sent me it shows workers have attempted to move payments made from principle column to payments column. I receive weekly phone calls saying I am behind on payments. I am threatened by their escalation team. While in hospital and in recovery they called and I said everything is on auto pay, I cant owe. So I paid again ( occurring many times ) It bounced and charges went to my XXXX XXXX credit card with higher interest rate for entire balance & banking fees. ( also because of this I switched & backed up checking w/ XXXX XXXX XXXX credit card and at time didnt know about the extra fees & interests. This is a XXXX loan thru Nations Star ( NS ). I ask for help from XXXX & told many many times not their co. take it up with NS & have for two years! At the end of every phone call they must say thank you for using XXXX. So it is both companys problem to fix. XXXX is a bank & I am a stock holder as all who are members. If they do this to me, I think they are doing it to more members. 
This all started when I went from XXXX to XXXX. I missed a payment at time of switch over I readily admit. & attempted to resolve. It & other extra payments went to principle. There are fees fines and aggregation. Ive had friends try to help, my XXXX tried, to no avail. I am XXXX and try hard to pay everything. My current medical bills are high & I cant keep paying XXXX more & more XXXX and interest.
Consumer complaint received 2023-10-19
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. (VA)

i have been a monthly member with Equifax for 8 years. when i log into my equifax account it will not allow me to see my report. i need my report score due to errors on report to include to see if they have been removed. this has been going on for 4 weeks. every time i call equifax technical support they think i need help logging in to my account. I CAN LOG INTO MY ACCOUNT. WHEN I LOG IN EQUIFAX WILL NOT ALLOW ME TO SEE MY ACCOUNT SUMMARY. i have filled out 2 service work orders in the last 3 weeks with XXXX results. plus i just bought a 3 score credit report for {$19.00} and i still can not see my credit summary. i need access to my report. this is going on 4 weeks.
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

This complaint pertains to the practices of Block, XXXX XXXX, a company frequently getting in trouble with the CFPB. 

I received a call from a scammer who stated she was from my cable company and would give me a discount in exchange for a {$190.00} fee. I paid the fee via credit card and the charge said " XXXX XXXX XXXX XXXX ''. 

As this was a scam I tried to reverse the charge with my credit card company. Block refused to refund the money despite my offer of evidence ( including a recording of the call ) that the caller and account user was a scammer. 

That is, not only did they refuse to refund my money, but they refused to investigate the fact that their payment platform was being used for wire fraud. 

Block supplied information stating that the merchant in question was named " XXXX XXXX '' ( short for XXXX : - )? and was a taxicab and limousine business. 

I question how they would allow a taxi business to use the merchant name " XXXX XXXX '' unless they knew and didn't care that this would be used for fraud.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, My name is XXXX XXXX with an Iranian Passport. Me and my wife came from XXXX to XXXX on a XXXX XXXX XXXX. On XX/XX/XXXX me and my wife opened an account at a Chase XXXX in XXXX XXXX, after a few weeks Chase sent me an email stating my XXXX immigiration document is not valid, although in fact it is valid and they sent another email clarifying that because my country of nationality is XXXX they are closing my account. This is illegal and inhumane due to section XXXX of the civil rights act of 1964, no person should be discriminated against due to country of nationaility. I am in the United States as a Ukranian Humanitarian Parolee, I have rights to open bank accounts, work and access public services, however Chase ( JPMorgan Chase & XXXX ) closed my account merely because of my nationaility not my legal status in the United States. 

The correspondence proving this XXXX discrimination is heavily documented and I am ready to take legal action against JPMorgan Chase & Co . I have experienced severe financial and mental loss/damages because of the discrimination by JPMorgan Chase & Co .
Consumer complaint received 2023-10-19
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureau the date of the last letter was on XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account XXXX : XXXX has violated my rights. Or 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 


Account Name : XXXX Account XXXX : XXXX has violated my rights. Or 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 2023-05-25
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

I have tried several times to be put on the new XXXX plan for my student loans. I have applied on both the federal financial aid website and the aidvantage website as well as sending in check stubs and my latest tax filing. The federal financial aid website told me my payment will be {$0.00} a month but aidvantage says it will be over {$300.00} a month no matter how many times I submit the correct paperwork and the aidvantage website is telling me my payment will be due next month and I can not afford it. I filed for the first time all the way back in XXXX and have not gotten anywhere with them. My application was processed on the federal financial aid website and I was given a payment of {$0.00} a month on there.
Consumer complaint received 2023-10-19
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)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX