davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
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: EQUIFAX, INC. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am XXXX this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (GA)

An account/credit card was opened under my name with the company name of Fortiva. The balance is {$130.00}. The date that it shows it was opened on my credit report XX/XX/XXXX. I started receiving statements in the mail for this credit card that I did not open. I previously used this company when I financed my security camera equipment for my home. I paid off what was owed for the equipment, further more that monthly installment was paid in full and closed out. ( That account was NOT a credit card ). Later on down the line I found out that a credit card was sent to my old address from the same company called Fortiva and an account was opened in which I did not do. This company decided to draft money out of my checking account without permission with a total of {$27.00} on XX/XX/XXXX. I have asked that this account be removed from my credit reports because it was fraudulently opened.
Consumer complaint received 2024-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

( a little backstory just to explain how XXXX withdrawals at Cash app work ) To facilitate customer withdrawals, cash app employs XXXX hot wallets. When a customer requests a XXXX withdrawal, cash app does not send the XXXX directly from the users cash app account. 

The XXXX is first sent to a XXXX hot wallet, owned, controlled and operated by cash app, then the XXXX is sent to its final destination. 

XXXX I accidently sent a XXXX withdrawal from cash app, back to the cash app hot wallet address used to send me the withdrawal. 

As a security precaution, these addresses are not tied to a users cash app account so the XXXX was not returned to my cash app account. 

The amount I sent was : XXXX XXXX Every XXXX transaction can be viewed publicly on the ledger. That's how XXXX works. Therefore every transaction can be tracked and traded to its origin. There's no possible way to " lose '' XXXX as the footprints are always there. 

My transaction back to the cash app hot wallet : XXXX XXXX XXXX The cash app XXXX address : XXXX I've spoken to cash app numerous times but they fail to take the time to fully comprehend my issue and what I'm saying. They continue to respond with pre-written replies that are totally irrelevant to my issue and completely negate the fact of the matter which is that I send funds to cash app. This can easily be proven beyond a shadow of a doubt, and cash app now owes me the funds equivalent. 

***I 've not once ever asked for a refund. XXXX transactions can not be refunded or reversed. *** Cash app has made countless false claims saying the XXXX is " lost '' and " not able to be retrieved '' why on earth they think they have to send me back the same exact XXXX I sent them is beyond me. 

XXXX acts as nothing more than a store of value. I sent cash app a value of around {$320.00}. 

To explain it as simply and plainly as possible : Me : - {$320.00} Cash app : $ XXXX All I'm simply asking for the situation to be resolved is : Cash app : - {$320.00} Me : + {$320.00} That is all. It's not a difficult thing to understand yet cash app refuses to acknowledge the situation and offer me an adequate response. 

I know that there's no " refund '' button they can easily press to resolve the matter and it shows on the ledger that the XXXX I sent to cash app was retrieved within hours and used to facilitate other customer withdrawals. 

That's why I'm asking to speak to someone who has the authority to manually send me an equivalent amount back in a new transaction. 

Cryptocurrency exchanges do this all the time for people who have the same issue. 

Everything I am saying can easily be proven. If they refuse to corporate and pay me the money that is owed to me then they are subsequently saying they are stealing my funds. 

If that's the case, I simply just want to know why that is? 

Telling me they can't or have no means to send me the money I am owed is not a legitimate answer because they are well capable of doing so. 

Thanks.
Consumer complaint received 2023-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed a dispute immediately after discovering a fraudulent transaction of double charges ripped off from my credit card by the XXXX company. I never authorized that transaction, however my card information that was saved in my portal of the XXXX company, was misused and fraudulently charged by the merchant. Capital One Bank-my creditor, was notified immediately after discoevring that fraud and financial abuse. Capital One Bank executives including the CEO and President, were informed of that fraud that was covered up by the creditor 's dispute department. My creditor acted in favor of the fraudster merchant company and neglected all facts supporting my dispute for full chargeback and refund. The Capital One Bank bureaucrats-teh CEO and President repeatedly refused to address my concerns and avoided me. SInce XXXX up to date, the Capital One Bank blatantly denied my disputes cosnpired with the XXXX company fraudsters. I demand from the Capital One Bank immediate resolution of my dispute and full refund based upon credible evidence and burden of proof provided by me in support of my legitimate dispute. See attached copies of my emails sent to my creditor bank executives.
Consumer complaint received 2024-07-26
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

XXXX Furniture company XXXX XXXX XXXX a refund of XXXX to my credit card. There had been fraud on the card number used for my original purchase to them, but I was told by Wells Fargo I would be able to receive the refund still to the new number. On this same date, I received a deduction in the rewards balance points reflecting the refund of the transaction. There has been no refund to my card balance/statement. 

XX/XX/year> - Filed complaint to Wells Fargo for missing refund. Wells Fargo case number : XXXX I have still not received the refund. They have claimed it was possibly returned to XXXXXXXX XXXX  though they have been unable to provide any proof supporting this possibility. They have continued to extend their deadline and not respond to any emails I have sent. XXXX XXXX has been very helpful and confirmed they did not receive the refund.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Agencies used my ss # and other information for fraudulent purposes. Per 15 USC 1681 agencies listed inaccurate information on my credit report. Agencies willfully failed to delete my disputed information damaging my credit score. Said information is not valid proof for a reasonable determination complying with FCRA. Because of that fact, I DO NOT BELIEVE AGENCIES PERFORMED ACCURATE INVESTIGATIONS. Mismatched data supplied to ALL THREE credit bureaus is negative and inaccurate. Agencies failure to investigate properly is an intentional and negligent FCRA violation. Alleged debts herein were written off 1099 C ( 26 U.S.C. 6050 ( P ), the purchaser and original creditor accepted the dispute, and no proof of an accurate investigation was provided. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

Navient reported to my credit bureaus a late-payment during the Presidents " On-Ramp '' program timetable. I have paid off the loan in full once they did that, but the reporting of missed payments has significantly impacted my credits. I filed disputes with the credit bureaus, but that did nothing.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (CA)

My account was locked by SOFI. After a month-long investigation, they claimed that the check I deposited violated their policies and decided to close my account. The check was successfully deposited and did not bounce, and SOFI has already contacted the check issuer to confirm that it is genuine. The funds are currently in my account, but when I requested a refund of the account balance, they refused.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On this account, it shows NO PAYMENT HISTORY. Which is inaccurate, I made payments all the way up until the DELINQUENT DATE. And those payments need to be reflected on my credit report. 

This inaccuracy is affecting my ON TIME PAYMENT HISTORY. There is no data on MOST RECENT PAYMENT which affects DATE OF LAST ACTIVITY
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (IA)

This regarding 2 credit cards one with XXXX  and other with XXXX XXXX XXXX these sold to midland credit management then had XXXX XXXX XXXX collecting money I had both paid both cards off see letter provided from XXXX XXXX XXXX XXXX issues XXXX I did not understand why after paid was removed from XXXX XXXX and XXXX I called Midland credit management told me I had settled for a balance I try explain did not complete a settlement and refused change anything I never agreed to a settlement I paid everything I owed I need these credit bureau showing I paid in full I want make sure not getting XXXX also for a dis charge debt XXXX the next issue XXXX  the issue is XXXX cards showing I still owe for XXXX I providing screen shot for this I had dispute with XXXX  and closed I tried XXXX I can not make pass automated system I called midland credit management talk to XXXX refuse do anything I need XXXX paid in full and not removed and other company paid in full I could not find which credit card company showing XXXX
Consumer complaint received 2024-10-13
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: FIFTH THIRD FINANCIAL CORPORATION (DE)

I called several times during the month of XXXX to ask what my options were for assistance or forbearance, as I had the money for the mortgage but it was all in money in my bank account. or evidence of this. please listen to those calls. The mortgage does not report to the bureau until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with my loss mitigatior representative for 30 minutes, named XXXX XXXX I asked SPECIFICALLY if it reports late to your credit to do a payment plan " workout option '' they called it and she said NO. She then explained how putting down some money would be an accepted option but mv mortage would be extremely high when it is due. which would be 30 davs from then. I agreed that I could save the money up For context my mortgage is {$3000.00}!! So I was agreeing to pay {$3600.00} for the next 6 months but I would have extra time to save it since I was only paying {$400.00} on XX/XX/XXXX. They sent me a list of my payment dates in the mail. and when I went to pay on XX/XX/XXXX, they reported both XXXX XXXX XXXX late to the credit bureau and our credit tanked XXXX XXXX and some credit was taken away. You all just tried to ruin our lives to get {$400.00}? I had the XXXXXXXX  How is it acceptable to lie to clients paying you this much money. Then I asked for a review of the calls and another supervisor, XXXX, called and simply said " the notes of the call were reviewed and you were advised of credit reporting ''. So it's fully ok to lie to customers at 53rd to close a deal. Let me share with you all the " advised ot credit reporting '' verbatim : " Delinquent loans may be reported to the credit bureau reporting agencies on a regular basis. Your loan may be reported until brought current ''. THAT IS ABUSIVE PREDATORY LEGALEASE. I SPECIFICALLY asked if it would report late before AGREEING to the terms, and you all are now claiming that THIS is the " advised of late reporting ''. Please do the right thing here. XXXX did not at all review my call she simply looked at the notes that XXXX lied on. They rushed me into doing a hardship application and I got it in for XXXX and they took until XXXX to give me the resolution which was a trial period until XXXX to pay a lower rate of {$2600.00} but STILL REPORTING LATE EVERY MONTH THEY TAKE MY MONEY. I am crying while typing this and I am publishing this publicly because if you have 53rd and you get any of them on the phone ASK TO RECORD IT because XXXXXXXX XXXX XXXX seem really nice but will like to save themselves quick and I do not want another homeowner to go through this.
Consumer complaint received 2024-10-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (FL)

Multiple times in XXXX  starting from the month of XXXX, up until XXXXXXXX XXXX XXXX I wrote to the collector informing them that the information that they reported on my credit is inaccurate and that is damaging and harming my credit. This also means that this also preventing me from building my credit as well.
Consumer complaint received 2023-03-29
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Dated Reported : XX/XX/XXXX ; XXXX XXXX XXXX Dated Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (SC)

This is my XXXX request to validate the charges that XXXX XXXX XXXX has placed on my credit report. The explanation that was provided in my original complaint ( XXXX, XXXX and XXXX ) was not satisfactory. I have asked for MERCHANT ADJ SERVICES, to validate that they have a XXXX agreement between myself and their company. It is the debt XXXX responsibility to provide proof of the debt, not refer me anywhere! YOU have absolutely refused to provide any documentation other than a bill This is not fair as a consumer to have a charge added to my credit report from this company and they provide a general response. I am requesting a higher lever of review of my case. I will not reach out to XXXX as they do not appear on my credit report. I have filed a complaint with the XXXX and I feel that my rights as a consumer is being violated. It is not my responsibility to reach out to a different company to assist you with providing me the proper validation. I am AGAIN, request that you provide me with the following documents : I am asking that this debit be completely removed if you are not able to validate the with the information I requested. This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my XXXX information to you. Cease any credit bureau reporting until the debt has been validated by me. If you can not provide me with the information I'm requesting I am asking that you remove this debit from all XXXX credit bureaus immediately. Referring me to another company is not a satisfactory response. Here is the original request as from the XXXX : On XX/XX/year> I wrote all XXXX credit bureaus a certified letter requesting that XXXX XXXX XXXX XXXX XXXX debit on my credit files. The amount of the debts that are showing on my report is {$1500.00} with the date assigned listed as XXXX and account number XXXX and {$650.00} with the assigned date listed as XXXX, account # XXXX. Thank you, XXXX XXXX
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP (CT)

On XX/XX/XXXX, I applied to open a Valley National Bank account offering {$400.00} if I complete direct deposit requirements totaling {$7500.00}. After partially completing the application process, I received an email from Valley National Bank encouraging me to finish the application process. On this same day, Valley National Bank pulled my XXXX XXXX report to review my information. 

On XX/XX/XXXX, I completed the application process and received an email notifying me that my account my open on XX/XX/XXXX. 

Since account opening on XX/XX/XXXX to XX/XX/XXXX, I had my employer make direct deposits totaling over {$7500.00} during this period. Doing so to fulfill opening bonus requirements in support of the {$400.00} bonus. 

After fulfilling the direct deposit requirements for the bonus, Valley National Bank performed another XXXX XXXX report pull on XX/XX/XXXX, despite having a report 43 days old. Subsequently, they notified me on the same day that they are closing my bank account. When I asked XXXX XXXX, the Virtual Bank Assistant, about the recourse or status of the opening account bonus, she deflected the question and stated that my account will be closed.