davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

Subject : Urgent Assistance Needed Regarding Cash App Account Blocking Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your assistance regarding an ongoing issue with my Cash App account, which has been blocked from sending or receiving money since XX/XX/year>. 

Despite my attempts to resolve this matter directly with Cash App, I have been unable to regain access to my account. A merchant has provided me with a receipt indicating that I owe XXXX dollars, which I have attached for your review. 

I kindly request your help in facilitating a resolution that allows me to resume normal transactions on Cash App. If this issue is not resolved in a timely manner, I may have no choice but to consult my attorney for further action. 

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

Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-31
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: AMERICAN EXPRESS COMPANY (PA)

XX/XX/year> - XXXX XXXX XXXXXXXX XXXX XXXX {$150.00} I made this purchase with XXXX XXXX and cancelled this flight within 24 hours. I spoke to a representative with XXXX XXXX and he assured me that I could cancel the flight online and Id receive a full refund back to the original payment method because it's been booked and cancelled within 24 hours and I cancelled it because I was promised a full refund. Turns out XXXX XXXX issued a full e-credit refund and not back to the original payment method. I tried resolving this with XXXX and they refused to take back the e-credits for a full refund. I disputed with American Express and they sided with XXXX XXXX. I don't know what else to do at this point.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION (CA)

Contents of Complaint : This CFPB complaint has been filed in pursuant to FCRA 605B, ( 15 U.S.C. 1681c-2 ), that the CFPB is obligated to expunge any and all identity theft and fraud information from my consumer credit report within XXXX business days of receiving the complaint. The fraudulent inaccurate information, consists of : Unauthorized Accounts XXXX. XXXX XXXX credit card : XX/XX/XXXX ( Account # XXXX ) XXXX. XXXXXXXX XXXX XXXXt ( XXXX ) : XX/XX/XXXX & XXXX, XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX ( Account # XXXX ) XXXX. Regions Bank : XX/XX/XXXX ( Account # XXXX ) XXXX XXXX inquiries Fraudulent collections Rightful Demands XXXX. XXXX, ( within XXXX  Days of receipt ), removal of fraudulent items from my consumer credit reports. 

XXXX. Cease all collection activities related to these items. 

This demand is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The stated accounts on my consumer credit report were not created by me, and are the result of identity theft and fraud. Therefore, I do not recognize the accounts reported on my XXXX consumer credit report. 
Please see the attached FTC Identity Theft Criminal Complaint, # XXXX, as supporting documentation, and proof, that the stated consumer credit accounts are the result of identity theft and fraud.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XX/XX/XXXX I contacted XXXX in regards to erroneous information on my report as I was trying to buy a home. I provided information for accounts that had been paid, accounts put in my name that were not mine that I paid anyway. XX/XX/XXXX, I provided XXXX information for accounts they are showing again me that were paid by a XXXX XXXX  Claim. To this date XX/XX/XXXX, XXXX refuses to update the information. Currently they are even showing I have 4 accounts with negative information but they are only reporting 3 accounts with negative information which is still erroneous information being reported. I have become homeless due to these mistakes and at this time will seek Attorney. I have all documents which have been given to XXXX over and over for years now! The also refused to update my credit score with Experian XXXX accounts reported to them per my creditors.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX XXXX, XXXX, XX/XX/XXXX. I am writing to request an investigation of the following account. I never opened or used this account or authorized these inquiries. I am requesting the deletion of the following information from my Chex Systems consumer report immediately. Bank XXXX XXXX Acct. XXXX, XXXX. XXXX. Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

On approximately XX/XX/year>, I logged on to my USAA account and asked the representative why I wasn't the primary on this account. I wanted to view charges for the month and could not because I was just an authorized user. I was trying to get an additional card so that my wife could have her credit card, and I could have mine. I changed my email address and logged out. The day after my account was flagged and the company requested a photo of my state ID, front and back. I have repeatedly tried calling them to ask why I needed to do that, and they refused to tell me. When I tried logging in, my account was locked. When I tried calling, I just received the message to send copies of my state ID to them. I called from a different number and finally got someone in their security department. I passed several verifications and after they stated that I needed to send a copy of my state ID and wouldn't say anything more. I asked them to remove me from the account and they said no. My wife, who is the account holder, tried to remove me and it was stated that she couldn't until I send a copy of my state ID. I have no intention of doing that. I just want my name off the account at this point. I can pay off the account, like it is paid EVERY month, but I would like my name off the account.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The company is reporting a charge off XXXX XXXX XXXX XXXXXXXXXXXX just relieved from XXXX they saying its accurate when its not the charge off is reporting as income when it is illegal the XXXX  AND CFPB states that charge off are certificate of indebtness and also XXXX is violating my rights as reporting finances when finances are not to be reported and it should be removed immediately also violating my rights as too the inaccurate reporting causing stress and hardship continuously and also violates FCRA 1681 ( a ) and other federal regulated rules and laws CHARGE OFF ARE XXXX  CERTIFICATE OF INDEBTNESS AND THEREFORE ITS PUBLICATION 4681 thie erroneous Companies has violated the myself with that inaccurate Credit reporting also violates the FCRA AND PRIVACY ACT 1974 CHARGE OFF SHOULD NOT BE REPORTED ON CONSUMER RE P ORT AS MANDATED BY FEDERAL GOVERNMENT the company is XXXX XXXX  XXXX federal and states laws
Consumer complaint received 2023-10-29
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. (SC)

I sent certified letters requesting the signed authorization to release personal information and added that I have a fraud alert that requires any inquiries contact me directly. Neither of those conditions were met and I am being asked to resolve the breach with their subscribers. 

It is obvious who their loyalties lie with and it is not the consumer. I am unable to dispute inquiries except through the subscriber. The release of the information did not require a confirmation by me ( the consumer ). It is obvious who's input they honor and it is not that of the consumer. 

I followed the FCRA in requesting confirmation and that, too, was not honored. What are the rights of the consumer when they can not dispute inquiries or incorrect information on their consumer file.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (CA)

XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this letter to request an investigation of the following information that appears in my XXXX XXXX XXXX consumer report. I have identified several inaccuracies that need your immediate attention and resolution. I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. 

Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX
Consumer complaint received 2024-10-31
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (MD)

Mr. Cooper is systematically delaying the process of a XXXX assumption. Mr. Cooper is NOT considering the request for the assumption to be an actual application and are treating it as a clerical administrative function. The selling party and the assuming party have submitted the XXXX key requirements to Mr. Cooper to start processing the loan assumption. The XXXX pieces of information necessary to generate an application that necessitates Mr. Cooper issuing a loan estimate and start the process of approving the buyers credit application name, income, social security number, property address, estimated property value, and mortgage loan amount. Yet, Mr. Cooper continuously states that they have not received all documents nor provide any follow-up regarding the file. Moreover, after multiple calls with Mr. Cooper, no representative stated that the person assigned to our file left the company more than XXXX weeks ago and since then, no representative has been assigned to our file.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (WI)

credit card denied when attempting to charge payment for a stove and refrigerator. I have copy of credit rating. It has false names, wrong addresses and SSN variations. It has two different address ID and only two correct addresses. I am XXXX XXXX XXXX. The one on XXXX XXXX XXXXXXXX is not me. and the social security number is not mine. Year of birth is correct-XXXX. I hope you can correct this error. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (TX)

My SSN has been compromised and loans have been taken out that I had no knowledge about! I gave them my information which doesnt match the agreement they say they have minus my SSN and name yet its still reported as debts on my report
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (GA)

I am writing to formally complain about a misleading email communication I received from Experian, which seems not only to deviate from the high standards that consumers expect from a reputable organization like yours but also to be in violation of legal mandates. 

* Misleading Subject Line : The email was titled " XXXX, you have 2 new credit alerts to review. '' Given the urgency and importance that such a message implies, I was naturally inclined to check its contents immediately. To my dismay, the main body of the email discussed an inconsequential balance change on a revolving credit line. This discrepancy between the subject line and the actual content is misleading and gives a false sense of urgency to a potential non-issue. 

* Directing to Paid Service : Clicking on any link within the said email redirected me to a page promoting and selling Experian 's $ XXXXmonth monitoring service. It's evident that the main intention behind this communication was to lead recipients toward purchasing a paid service, leveraging the urgency of the falsely advertised " credit alerts. '' * Absence of Unsubscribe Option : The email lacked an " unsubscribe '' link or option, which is a significant oversight, especially in marketing communications. This absence is not only a violation of the CAN-SPAM Act but also contravenes the settlement reached in the XX/XX/2023 case of the United States of America vs. ConsumerInfo.com , Inc . It's alarming to witness such a disregard for legal obligations, especially given the gravity of the aforementioned case.
Consumer complaint received 2024-10-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (TX)

I received a check from Wells Fargo for {$2400.00} and it stated due to an error made in a loan modification. On the letter it says if you feel its not enough, I could go in to mediation. I called and asked what was the error and I was told to fill out the form for mediation but I dont know exactly why Im going to mediation because XXXX told me after further investigation they should have only done {$1800.00} on that check and I asked him what the error was and XXXX told me he was not sure, he cant tell me the exact reason or any numbers but offered me {$1000.00} for my time and not go to mediation. That makes no sense. Wells Fargo needs to give me numbers
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MO)

Hi, According to 15 USC 3002, I am a natural person which means my name in ALL-CAPS isn't me, My name is XXXX XXXX XXXX 

I applied for an American Express Gold card on XX/XX/year>. I was denied immediately. I've sent emails to the CFO and the Transfer Agent for American Express that very evening. No reply as of the date of this complaint. I called on XX/XX/XXXX, The new accounts department for American Express, and spoke with XXXX, she led me to believe that a reconsideration would be initiated based on my acknowledgment to the information on my consumer report being incorrect. I called on XX/XX/year>, to check on the reconsideration, and was told they were sticking to the denial based on the same information I noted was incorrect on my consumer report, and was being disputed.

16 CFR 433.1 states that ; ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.

( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer. 

( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.

15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

During the week of XX/XX/XXXX I was followed by an XXXX account with the name of XXXX XXXX. I accepted the follow and began to speak to the person. He introduced himself as " XXXX ''. I then asked him how he found my XXXX and he told me that he saw me on his club page @ XXXX. The club had posted an open call and I did like the post. I attended the open call on Monday XX/XX/XXXX and on that Tuesday " XXXX '' reached out to me via phone call and asked me what name I put on my resume so he could pull it for hiring. He told me I was hired as a waitress and that the following Friday XX/XX/XXXX I would need to pay the club 's seamstress/boutique ( XXXX XXXX XXXX ) for two week 's worth of uniforms totaling {$500.00} ( a new uniform is worn every shift ) or I would not be able to work on the clubs opening on XX/XX/XXXX. I then asked for the seamstress 's method of payment and was given the cash app tag of $ XXXX ( XXXX XXXX ). I sent ( 2 ) {$250.00} payments, XXXX on XX/XX/XXXX and the other XX/XX/XXXX. Later on the same day XX/XX/XXXX I saw an XXXX story post on the @ XXXX page stating that this person " XXXX '' @ XXXX has NEVER been affiliated with the club and is not an owner. I later found out that " XXXX '' is actually a convicted felon currently serving a life sentence at XXXX XXXX XXXX. His full name is XXXX XXXX XXXX and is a KNOWN SCAMMER. I have had multiple people verify this! He and XXXX XXXX are scamming women telling them he can get them jobs. I requested a refund from $ XXXX and was ignored. She has since changed the name to XXXX but the tag is still $ XXXX. I have been blocked on all social media platforms. A police report has been filed in XXXX XXXX, XXXX  on XX/XX/XXXX. XXXX XXXX XXXX has also been notified, I have also filed a complaint with the FBI Internet Crimes Division. Cash App is honoring a scam by a convicted XXXX and XXXX XXXX.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (OK)

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 : credit inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

American Express refuses to honor a promotion that I signed up for with a value of XXXX points ( approximately {$200.00} ). The promotion was emailed to me on XX/XX/XXXX and was also advertised in the Amex mobile app. I satisfied all conditions of the offer and have not received the bonus. After contacting them several times, they refuse to award me the points. 

The offer : Add Additional Platinum Card Members through this email by XX/XX/XXXX and earn XXXX Membership Rewards Points after the first Additional Platinum Card Member spends {$2000.00} on eligible purchases on their Card in their first 6 months of Card Membership. 
Add an Additional Platinum Card or a XXXX XXXX XXXX for someone you care about by clicking the link below.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (TX)

This company is reporting fraudulent inaccurate info on my credit report. I have requested proof of the purchase agreement to show full ownership of such acct and other documents so I may review to see if this is actually an account that belongs to me.