davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

I am writing to file a formal complaint against Square Inc., a credit card processing company, regarding their decision to disable my account and withhold my funds without adequate justification or communication. 
On XX/XX/XXXX, I set up an account with Square after a customer requested to pay via credit card for services rendered. I processed a payment of {$3800.00} after completing the installation of an XXXX XXXX at the customer 's residence. However, when I attempted to transfer the funds to my bank account, I was unsuccessful. 
Shortly after, I received an email from Square requesting additional information. In response, I promptly provided the requested business documents, including my federal tax ID number, the invoice for the transaction, personal identification, and photos of my ID. The only requirement I was unable to fulfill was providing a business website, as my business operates primarily through word of mouth and does not utilize online advertising. I communicated this to Square.

Despite my efforts, Square sent me an email stating that they were disabling my account and holding my funds for 90 days, with no option for appeal. This decision was made without any further explanation or consideration of the documentation I provided.

Since then, I have made numerous attempts to contact Square 's customer service. Unfortunately, because my phone number is linked to the deactivated account, my calls are screened and do not go through. I have also tried reaching out via email but have yet to receive a response or speak with a representative. 
As a small business owner, this situation is severely impacting my ability to operate. I believe I have provided sufficient proof of the legitimacy of my business and transaction, and I do not believe Square has the right to withhold the funds my business earned.

I am seeking the immediate release of the withheld funds or at the very least, a fair and transparent review of my case. I am willing to provide any additional information that Square may require to resolve this matter promptly.

Thank you for your time and consideration. I look forward to your assistance in resolving this issue.
Consumer complaint received 2024-01-30
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MS)

I am writing to formally dispute the inclusion of two collection accounts that have been reported on my credit report. I believe these accounts do not belong to me and have been incorrectly attributed to my credit history. I request that these accounts be removed from my credit report immediately. 

The accounts in question are : Account Number : XXXX Amount : {$1300.00} Creditor : XXXX XXXX  ( name not listed ) Account Number : XXXX Amount : {$1400.00} Creditor : XXXX XXXX ( name not listed ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a ( b ), I am entitled to a fair and accurate credit report. I did not authorize or provide written consent for these accounts to be reported on my credit file. As such, I am disputing these entries under the following legal grounds : Inaccurate Information : The accounts listed do not pertain to me and should not be reflected in my credit report. Under 15 U.S.C. 1681i, you are required to investigate and correct any inaccuracies.

Identity Theft : The presence of these accounts on my report may be a result of identity theft or other improper use of my personal information. Under 15 U.S.C. 1681c-2, you are obligated to take appropriate action to ensure that my credit report is not misused.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (GA)

The inclusion of these unauthorized inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-27
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. (MI)

This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$72000.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received three alerts on Friday XX/XX/year> that there were three hard inquiries on my credit file from BK of AMER, XXXX XXXX XXXX, XXXX XXXX XXXX and when I checked my credit file, I saw all three and I also saw another fraudulent/identity theft inquiry from XXXX XXXX XXXXXXXX XXXX After seeing the email of the unauthorized credit pulls, I immediately reached out to file a fraud alert on all my accounts.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/year> I was charged XXXX {$35.00} overdraft fees. 
On XX/XX/year> - {$35.00} charge On XX/XX/year> - XXXX {$35.00} charges On XX/XX/year> - {$35.00} charge On XX/XX/year> - {$35.00} charge On XXXX {$35.00} charge On XX/XX/year> - {$35.00} charge Wells Fargo took nearly {$200.00} from me alone in the month of XXXX. 
I contacted Wells Fargo in XXXX about recovering fees they had taken from me and explained that I had experienced job loss in XXXX. The representative was able to refund XXXX of the {$35.00} charges and are not listed above due to being refunded. In XXXX when I had received MANY fees from Wells Fargo I contacted again and was explained that I would not be eligible for a refund for another XXXX  months. These are completely unfair and abusive practices by Wells Fargo. I am XXXX and being eaten alive in fees without being able to recover because Wells Fargo is taking more and more money from me, when I clearly have no money right now. My account is in the negative. These are abusive practices by this bank and they will get sued over this matter just like XXXX XXXXXXXX XXXX has. MY bank taking nearly {$300.00} from me in XXXX  days because I dont have any money due to a job loss?! ABSOLUTELY CRAZY.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (WA)

We have made several attempts to work directly with RESURGENT CAPITAL SERVICES L.P., hereinafter " Resurgent '' or " Company '', in rectifying this matter. We have sent correspondence requesting comprehensive documentation via : Certified Mail # XXXX dated XX/XX/year>, Certified Mail # XXXX dated XX/XX/year>, as well as directly through the Credit Reporting Agencies on XX/XX/year>. Resurgent has not provided comprehensive documentation, for validation, and has actually refused all mail we have sent. However, Company continues to report on this account, in which Company has also violated both the FCRA and FDCPA.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (MI)

In XX/XX/year> I applied for American Express credit card because they had a promotion going on for 0 % interest on balance transfers for 15 months. I filled out the application and was approved. Immediately I then requested the balance transfer for my XXXX card of {$750.00} was pending approval for about a month. I called and asked what was going on with it and they told me it was approved and I should see the balance come through shortly. A week after my first call the transfer went through and totally owed American Express {$770.00} for balance transfer and fee. However the amount was never taken from my XXXX card. I called again to customer service and they told me there had been an error. My American Express card number was the same card number put in for my transfer. It linked it to some XXXX account which is not mine. I have never had any credit card for XXXX. Also the account had the same exact card number so I dont see how that didnt raise any flags to them. They had no solution for me and told me I was out of my 10 days to cancel the transfer. I asked for a supervisor and was then told she was going to put in a cancel for me but it would take 2 weeks. So I waited checking my account here and there. After 3 weeks it remained the same so I called for a 3rd time the person on the phone said a cancel was never initiated because they didnt not get approval from me. I asked her what she was talking about because I have called multiple times to get it taken care of. Nobody called me or emailed me. She told me again she would put in a cancel but it would take time. I know have a statement from them I owe the minimum payment I refuse to pay it because the transfer never came from my account. This is going to affect my credit score for having a missed payment on top of I will receive a late fee.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I returned the vehicle to XXXX XXXX because vehicle was a total lemon. They sold vehicle & sent me a bill for balance of XXXX. Told bank to send me itemized bill with a 1099c & was told by XXXX XXXX employee XXXX twice that he does not have to send itemized or 1099c & he said he sent me a bill. I have disputed this with Transunion XXXX, XXXX multiple times each to no avail. This is hurting my credit & as a consumer requesting itemized balance owed multiple times I just wanted to validate the debt by an itemized bill. This has been over a year I've constantly been disputing this with XXXX XXXX XXXX XXXX XXXX credit bureaus.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Background : On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX created a fraudulent ledger of added chargebacks and miscellaneous costs, which they reported to the Experian Rent Bureau. In addition to the fraudulent ledger, the company is suspected of misappropriating the COVID-19 funds funded on behalf of the City of XXXX XXXX XXXXXXXX. XXXX XXXX XXXX refuses to cooperate with Me ( The tenant ) to resolve this incident. Despite ignoring my communication attempts, XXXX XXXX actively prevents me from finding housing. I received this ledger on XX/XX/year> due to a potential apartment complex 's tenant screening report flagging and rejecting my rental application. While the fraudulent ledger was also dated one year and two months after I had moved out of the apartment complex, the Property Manager claimed that XXXX XXXX was still occupying the apartment in question. 

Current Day : On XX/XX/year>, I called Experian Rent Bureau to inquire about the update on the fraud investigation that I filed on XX/XX/year>. I produced the documents they requested of me, including the Police Report and other supporting fraudulent documents that I will be attaching. 

The woman I spoke to today said XXXX XXXX has certified the $ XXXX XXXX. I asked Experian Rent Bureau to tell me how they certified it. Suppose they sent a letter or some time of information. The woman at Experian Rent Bureau stated that they didnt send any letters or mail. She said they responded and said, " Yes, the claim is real. Experian didn't even inform me about them closing the investigation ; I had to call them on XX/XX/XXXX to find out. This is not an acceptable way to run a business. Especially one that can ruin a person 's life. Due to this fraudulent Error, I am Homeless and trying to find some relief, as this mark made in error is very detrimental to my reputation. 

The Woman from Experian told me to keep calling and trying to figure it out. What I challenge Experian Rent Bureau is to look deeper into cases like this. Both Experian Rent Bureau and XXXXXXXX XXXX blindside me. There has to be some standard to prevent the severing of someone's livelihood. I have been trying to work on this since the end of XXXX, and I am at a dead end. Experian Rent Bureau even avoided contacting me about the investigation, or should I say " lack '' of an investigation. 


I may be going through this due to some form of discrimination, as it is out of character for me to be $ XXXX in debt!! I have tried to contact the company that made the false claim on my report, but nothing has come out of it. The Company XXXX XXXX needs to respond to my communication efforts, and Experian Rental Bureau needs to increase its standards when accepting information.
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank wired a transfer from my personal checking account to a closed/defunct checking account. The bank has not refunded my account. 

I have not been able to get a refund from Chase for ( at the time of this writing ) 75 days. 

I have spoken to branch managers ( both in person, via email and over phone ), I have been promised a check in the mail ( with no reference number ), I have worked through customer branch complaints multiple times ( had to force them to re-open my case which they decided to close ) ; I have had to reach out to Chase Bank 's third-party vendors to ask about transfer details ( despite Chase making the mistake ) ; I have spoken to corporate/executive complaints office with no movement. 

Value of transfer : between {$900.00} and {$1000.00} 75 days ( and counting ) for a mistake made by the bank. I should not be the party responsible for seeking these funds ( wherever they are ).
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company (VA)

I have been trying to work with them since XX/XX/XXXX. At that time I was only XXXX behind. NOW I AM ALMOST XXXX BEHIND.!!!!! I HAVE SENT DOCUMENT AFTER DOCUMENT TO THEM OVER AND OVER. THEY CALLED TODAY AND STATED THAT MY AWARD LETTER IS OUTDATED AND IT IS DATED FOR XX/XX/XXXX AND THAT THEY NEED DOCUMENTED INCOME FROM MY DAUGHTER INTO MY BANK ACCOUNT. IN ADDITION WE SENT A NOTARIZED LETTER STATING THAT MY DAUGHTER DOES NOT LIVE WITH ME BUT IF I NEED ASSISTANCE SHE WILL HELP. WE SENT XXXX PAYSTUBS AND XXXX BANK STATEMENTS FROM MY DAUGHTER. NOW THEY ARE ASKING FOR HER XXXX TAXES. WHAT DOES THAT HAVE TO DO WITH XXXX???????? YOU RECEIVED XXXX PAYSTUBS AND XXXX BANK STATEMENTS AS WELL AS HER EXPENSES SIGNED AND DATE. HERE WE ARE IN XXXX!!!!!! 8 MONTHS OF GAME PLAYING AND I AM SICK IF THIS. THIS IS WHAT THEY DO THE FARTHER I GET BEHIND I MAY NOT QUALIFY FOR ASSISTANCE. I AM SICK OF THIS GAME PLAYING. I WANT A RESOLUTION. THEY HAVE CONTINUED THIS GAME LONG ENOUGH. I AM NOT THE ONLY PERSON THEY HAVE DONE THIS TO.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My mortgage is serviced by XXXX XXXX ( XXXX ). In XX/XX/XXXX, I had to stop working due to illness. I reach out to XXXX for a loan modification approximately XX/XX/XXXX. They did a forbearance plan instead a permanent loan mod. Each forbearance was for 3-4 months and each time I had to reapply in advance. I did always. One forbearance period ended in XX/XX/XXXX. I had already applied for a loan mod and by XX/XX/XXXX, it was still pending with XXXX. I was told it was still under review, but told me I could not send any payments until they ( XXXX Underwriters ) made their decision. Towards the end of XX/XX/XXXX, they made the decision to continue with a forbearance plan and the next payment was due XX/XX/XXXX. I was specifically told I could not send in no other payment except for that in the forbearance & had to follow the plan. If not, the plan will be breached & I would be required to pay the full arrearages. Later inXX/XX/XXXX, XXXX, put on my credit report that I had a late payment for XX/XX/XXXX. I disputed thru the credit Bureau & XXXX. Explained to them, that because our case was under review, they refused any payments until they agreed to a plan. Once completed, they instructed me to make a payment starting XX/XX/XXXX. I remained under forbearance until XX/XX/XXXX, never missed a payment or defaulted under the forbearance plan. You can never continue in a new forbearance plan if you are default from the previous. However, XXXX, still has a late payment on my Credit file ( over 420 days ) & refused to resolve this matter. For this reason, I am unable to refinance or get help from another financial lender. The loan has been under review with the underwriters since XX/XX/XXXX& still no decision. In the meantime, no payments or being made or accepted by XXXX until the review is finalized. They are sending someone to inspect the property on XX/XX/XXXX before they make a determination. XXXX   has been unorganized, added false info to my credit report, not reporting correctly of our agreed forbearance amounts/plan & they are showing all our agreed payments as unapplied. Numerous attempts have been made to resolve this matter but they have been unprofessional, uncooperative, & refused to correct or remove this derogatory info. It has negatively impacted me to move forward with restoring my situation. As of now, my case is still pending since XX/XX/XXXX. XXXX says the review takes 7-10 days, but it's been 60+ days, still no determination on their part. So we are helpless and continue to fall behind due to their unfair business practices & handling of my loan. As a veteran of the XXXX XXXX  & the XXXX XXXX XXXX, I am appalled that they are able to treat our service men & woman this way & get away with it.
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Apothaker & Associates, PC (PA)

I was served with a Civil Complaint by the XXXX XXXX Sheriff on XX/XX/XXXX representing Apothaker Scian P.C . After looking into this account, it was charged off, closed and sold in XXXX with no activity since XXXX XXXX XXXX. They are threatening to take me to court for this old debt. They state that I owe {$1100.00} and any accompanying court cots. I am on a limited budget, not so great health, live with my son and they want to try and sue me? I don't have money for an attorney nor can I make it to court to fight them.
Consumer complaint received 2024-07-01
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. (KY)

This letter is to inform you that I recently received a copy of my report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C. 1681g I have the right to demand that you disclose to mee all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below in 30 days of receipt of this letter then you must remove these accounts from my credit report. I demand the following accounts be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2024-05-22
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.

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.