davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-08
Product: Credit card or prepaid 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: Block, Inc. (OR)

I've attached a photo of a stolen card issued by Square/Cash App that my friend living in XXXX has found on a Telegram channel ( or similar - forgot if he specified ), and asked if I could report it to Square given that a random person 's payment card information is now on the Internet randomly. 

Square responded first sounding very confused, asking who's card it is and what country I'm in. They eventually told me they don't have a system to resolve this ... ( also, they assumed the cardholder 's name is my name ) The email conversation is attached.
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (OH)

XXXX is currently holding {$390.00} from my business account and {$310.00} of my personal account. We used square for processing credit card payments at my business and I also use it personally for credit cards. All of this money has had a lien on it since XXXX. I had to file a complaint already on XXXX and the attorney finally sent a release of XXXX to Stripe but now XXXX is saying they need a release too and neither the attorney or XXXX is willing to help me get my funds released to my new account. The company that has the XXXX was filed in the accounts for the bankruptcy. The bankruptcy was XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I am a natural person, I am a living human being, I have rights under 15 usc 1681. 
XXXX XXXX is govern by 15 usc 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 usc 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Please remove the following fraudulent inquiries and bad accounts reporting late payments from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-08-15
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: Ava Finance, Inc (DE)

Ava Finance has be in clear Volation of my rights. The law states a creditor may not report a late payment for any reason unless a notice is sent 21 days prior to a payment is due 15 usc 1666B I never received any such notification if Ava finance claims to have sent me that notice please provide proof I received it by showing a tracking number and a green return receipt showing I received such notice. Ava finance is also guilty of reporting I was on time on

XXXX XXXX XXXX XXXXXXXX XXXX XXXX But late on XXXX XXXX XXXX XXXX. This will be clear for a judge to see and I will received {$1000.00} For the Volation.

Ava Finance shall update all payment history as paid as agreed immediately this late payment have damaged my creditworthiness and it has stopped me from getting approved for a house. I will definitely take your company to court if this matter is not taking care of as I requested.
Consumer complaint received 2024-08-17
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: Velocity Portfolio Group (SC)

This is under my collections. It's on my account, trying to remove. XXXX XXXX investment. XXXX XXXX XXXX XXXX XXXX info but it on my account.
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

I am writings to recover {$1000.00} missing deposit from my CASH APP account ( $ XXXX ). On XXXX XX/XX/XXXX, I cashed out $ XXXX that was supposed to post on XX/XX/2022 into my XXXX XXXX Account. My XXXX XXXX Acct ends in ( XXXX ) and the institution routing number is XXXX. I contacted CASH App support when the deposit did not post on XXXX XX/XX/XXXX. CASH APP support told me to wait 3-5 business days, which I did and still no deposit. CASH support asked me to have my bank ( XXXX XXXX XXXX XXXX ) do an investigation in the transaction using the trace number ( XXXX ). Attached is an official letter from XXXX XXXX XXXX XXXX advising CASH App Support that their investigation shows they never received a transaction and that my account does not end in XXXX. 

If the bank did not receive the funds, then the error is on CASH App. I have tried resolving this issue with on the Cash App support page and via email with no success. Cash App online support deliberately has you going in circles so they don't have to resolve your issue. Cash App support app will ask you what the problem is, then automatically tells you they have to upgrade the issue to a special support team who will contact you by email. When the email comes from Cash App support, it is one way communication, and doesn't allow you to respond to the email. This process keeps you from speaking to a representative and has you running in circles so you can't get your issue resolved. The bank confirms they never received my money transfer from Cash App and I can't get Cash App support to resolve the issue.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Upon XX/XX/year>, I submitted an initial application for a Business Investor Account with Merrill XXXX, a Bank Of America company. 
From that initial application and the proceeding weeks thereafter, until XX/XX/XXXX, I was deliberately given the " run around '' alledgedly based upon numerous corrections that needed to be made upon my application. 
Nonetheless, I complied to the best of my ability, and yet, this still was not enough for the small business team at Merrill XXXX. 
This was clearly a case of discrimination, bias and redlining, based upon these facts : 1. My company already has had a business account at Bank of America of which all of the information regarding my company is already within the same system as Merrill XXXX is a Bank of America company. 
2. I was recently able to open an individual account with Merrill XXXX without any hassle. 
The individual account was opened online within minutes. 
3. The over-probing about sensitive personal and private information seemed to very unusual as well as unsafe and abnormal for any financial institution to ask such. 
I will provide these overly-invasive questions from the saved email that I received today which demonstrate a clearly biased-redlining and discriminatory behavior communicating the obvious preference to " find a reason '' to NOT open the requested Business Account.
Consumer complaint received 2024-07-01
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. (VA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-15
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. (NY)

Was notified by XXXX XXXX ( XXXX XXXX ) that my XXXX score had dropped XXXX points via both Equifax and XXXX. XXXX Equifax customer support today- obtained my credit report online successfully. No adverse information was apparent on the report. XXXX agreed there was no adverse information and all accounts were in good standing ( the XXXX report was also clean and XXXX agreed there was no adverse information ). XXXX indicated there was nothing that could be done and no one at Equifax was authorized to access the information that may have caused the score drop. I asked to speak to a supervisor, he said he was the supervisor. I asked to submit a complaint, he offered to submit a *dispute*- I told him I didn't see anything on my report to dispute, the information appeared to be correct. I emphasized I wanted to complain, he said I would have to complain to CFPB ( which I understand is a violation of their obligations to investigate consumer complaints under FCRA ). This is apparently the only avenue I have to protest what has just happened to me and the devastating, inexplicable impact to my credit standing. Again, there is no adverse information apparent, nor can I imagine any that could be coming that has yet to be expressed on the report. How is it legal to do this to people?
Consumer complaint received 2024-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GREENSKY OPERATIONS, LLC (MI)

In XX/XX/XXXX, I contacted a company named XXXX to get an estimate to waterproof my basement. The salesman seemed to be very knowledgeable about the process of getting the necessary work that was needed. Then the salesman gave me the price it would cost to do the job, which we didn't have the money upfront to pay for the job, so my wife and I inquired about financing the project. We allowed the salesman to run our credit for approval and it was accepted. We have been making on-time payments for a year. 

On XX/XX/XXXX, I get a notification from my bank from a lender named Green Sky who has raised my balance owed from {$4000.00} to over {$12000.00} now owed to them. I called Green Sky to ask them why did my balance just triple? And the operator told me " My bill is over a year old and that is the reason why my balance increased. '' The salesman never mentioned the terms of paying back the loan. I feel that this was a predatory loan, and the salesman failed to mention all the terms and conditions for paying back the loans. We had to take out two loans to finance this project with Green Sky and XXXX XXXX XXXX.
Consumer complaint received 2024-07-15
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)

On XXXX XXXX I look at my credit report and see these charge off accounts and inquiries on my report that is NOT Mine. The accounts are XXXX XXXX  for {$1000.00} and XXXX XXXX for {$21000.00} and XXXX XXXXXXXX XXXX for {$8900.00} and all the inquiries that are NOT Mine.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2024-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

I submitted a third party check of over XXXX into my account which has been endorsed by the beneficiary and signed over to me. Shortly after depositing the check and confirming with the teller that the addresses needed to match ( which they do ), they moved forward with depositing the check into my account. 

I later recieved an Email from Chase bank explaining that my account was restricted because of the check, and they needed to verify with the beneficiary that the check can be cleared. I told them that I am not only the financial power of attorney, but the check is also endorsed, and the number we provided that is REGISTERED to the benefeciary, that was ASKED of us by the bank, is belonging to the beneficiary. 

I went on to ask if my own number showed up in their systems under my name, and it wasn't, which goes to show that Chase 's systems are completely outdated in terms of verification. The number we gave them was not enough. Now I am at risk of losing my Checking and my Savings accounts ( both of which I use for my employment ) for a check that was ADDRESSED to me, simply because Chase Bank can not properly verify it. Attached are all the documents needed as well as the Financial, NOTARIZED power of Attorney document which signs over all claim funds to me. We equally offered to have XXXX himself contact the Bank and verify since he lives with us. They still denied me. They even told me they were going to search based on the address on the check, which is MY ADDRESS LISTED ON MY ACCOUNT. Where the check was mailed to! Which is why we have it, because it has been mailed to and endorsed by the literal resident of the house. 

Also attached is a copy of my ID which lists the address that the check was written to there. As well as the original document from XXXX, and the Emails I recieved from XXXX XXXX, the claims manager, that the funds have been paid out to XXXX, and from XXXX to me. 

This was the funds of a Life Claim from my XXXX XXXX. I have all of the documentation needed. Please help me keep from losing my account, and please help me recover these funds. I Need them to survive.
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (TX)

Company name : I.Q International XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Around XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXXn regards to the debt from XXXX XXXX XXXX  XXXX, I explained to her I could make a first only payment of {$500.00} towards the debt.. but she would have to call me first in order to make this payment and also talk about how we were going to set up the amounts for future payments just to make sure I was able to make them since I just started the job and I was not sure if i was going to make this payment. Today XX/XX/24 I called her to set up payment plan of XXXX XXXX  monthly since my financial situation drastically change I also got sick last week so i am dealing with medical bills, I can only afford to make {$200.00}, she transferred me to her manager and this man i don't remember the name started yelling at me verbally abusing me telling me to find the money anyway I can, also demanded to call friends and said I was forced to pay the full amount he yelled and hung up on me, i called back XXXX XXXX answered and I told her once again I am willing to pay but only XXXX XXXX monthly she threated me by saying they have other ways to take the money from me.. and hung up on me as well.. I am willing to pay but I can only pay what i can they don't want to take it and they are forcing me to call people or find money or get a loan and she also threatened by saying she has other ways to take the money very rude unprofessional way, this calls need to be replay if they are recorded I am currently sick and having so much stress about this phone call, especially when i am willing to pay and they just threating me yelling for no reason and want to force me to get money from loan or people,, I need help to resolve this situation please
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

HI CFPB, please help me with this complaints : Im writing because yall have been violating United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Youve been furnishing reports for credit or insurance transactions that I didnt initiate. When I pulled my credit report, I saw multiple violations. Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

According to the law, a consumer reporting agency can only furnish a consumer report for credit or insurance transactions that I didnt start if : ( A ) I authorize the agency to provide such a report. ( B ) ( i ) The transaction is a firm offer of credit or insurance. 
And you can't furnish a record of inquiries for credit or insurance transactions that I didnt initiate unless it's provided in section 1681g ( a ) ( 5 ) of this title.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if someone obtains a consumer report under false pretenses or without a permissible purpose, they owe actual damages or {$1000.00}, whichever is greater, plus punitive damages as the court may allow. 

I didnt initiate these inquiries. If you think I did, send me copies of my written signature giving consent. The items below need to be removed from my report under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XX/XX/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 XXXXXX/XX/XXXX Where did you get this misleading information? This is unfair! DELETE! 
Under 15 U.S. Code 1681n ( b ), youre civilly liable. Ive already reported this to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

My rights under Section 611 of the Fair Credit Reporting Act are clear. I demand these accounts be deleted from all current and future credit reports. Send me the full credit report along with the investigation results to XXXX XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. 

Thank you for your help with these inaccuracies. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-20
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 (NM)

I booked a trip from XXXX XXXX Texas to XXXX XXXX Nevada through American Express Travel on or about XX/XX/2023. 

XXXX. ) I was immediately charged for the entire trip, even though it is XXXX MONTHS away. Usually you pay the hotel upon check out.

2. ) I booked an American Airlines ticket as well.

3. ) Due to surgery complications, I can not travel. 
XXXX. ) I called to cancel and was told it was not refundable. 
XXXX. ) I booked and paid with my AmEx, a similar XXXX trip last year, and was told the same 'non refundable ' policy. 
XXXX. ) Amex told me last year, " if you booked with Amex you wouldn't have this trouble. 
XXXX. ) This current trip, Amex uses XXXX as their subcontractor. 

I know, I'm getting a doctors verification, but what the XXXX is going on with Amex? 

Greedy advance payments? 

Lying to customers? 

This is not the AMEX I once knew and loved.