davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (PA)

I have reported this scam to my bank XXXX, the FBI and to the app 's parent company. They also was suggested file a report with my local authoraties as well. They said they would fully cooperate in helping me have my fund recovered if you reached out. Here is an outline of the case which I informed to the parent company. 



I invested in your XXXX XXXX. I made $ XXXX was first told I needed to pay {$14000.00} in fees to get my money released on XX/XX/year>. I paid the fee. Then I needed to pay a {$10000.00} is retrieval fee when the withdrawl was sent to the wrong accoubt which I paid on XX/XX/year>. Then they said another {$5700.00} in miner fees for my new withdrawl release attempt which I paid on XX/XX/year>. NOW they are asking for another {$20000.00} in fees. At this point I am not interested in the earnings. I would just like my wire transfers reversed please. I have screenshots of all live chat convos with XXXX which I supplied to their parent company Crypto.com who asked me to reach out the authorities and that they would full cooperate.
Consumer complaint received 2017-11-08
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: EQUIFAX, INC. (NC)

This company has accessed my credit file with Equifax on XX/XX/XXXX and XX/XX/XXXX. I have written to the company to request documentation supporting their permissible purpose for this access, and have not had a response from them. I have also tried to resolve this issue with Equifax, but they refuse to investigate disputes as required by the Fair Credit Reporting Act. If they did, they would note that I have never filled out a credit application with the automobile dealer who sent information to this company on XX/XX/XXXX. Accordingly, without documentation to support permissible purpose, these inquiries should be removed from my credit file immediately.
Consumer complaint received 2019-06-21
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: Experian Information Solutions Inc. (MD)

Due to a past identity theft my credit has been compromised and left me with scars. I have demanded physical documentation, however the major credit reporting agencies has relied on electronic Verification inwhich can not be deemed as proof. The following accounts does not belong to me and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX {$990.00} 2 ) XXXX XXXX XXXX XXXX {$310.00} 3 ) XXXX XXXX XXXX {$560.00} 4 ) XXXX XXXX  {$230.00} 5 ) XXXX XXXX {$100.00} 6 ) XXXX XXXX XXXX {$51.00} 7 )  XXXX XXXX {$4700.00} 8 ) XXXX XXXX {$57.00} 9 ) XXXX XXXX XXXX {$550.00} 10 ) XXXX XXXX XXXX  {$300.00} 11 ) XXXX XXXX XXXX {$5200.00} 12 ) XXXX XXXX XXXX {$5000.00}
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Violations reported : FCRA 15 usc 1681i ( a ) FCRA 15 usc 1681e ( b ) FCRA 15 usc 1681 ( b ) ( 2 ) Experian has reported that XXXX XXXX XXXX # XXXX is the original creditor which is not true XXXX XXXX XXXX is the Original creditor. Experian failed to sufficiently investigate and confirm how the items reported were deemed accurate. This account does not match my personal information, this account is reporting as a collection account with a ongoing balance that is increasing. This is a FCRA and FPDA violation. Verify by speaking directly to the original Creditor ( XXXX XXXX XXXX  ) not XXXX XXXX XXXX ( third party ). This account has also been reset to 2018, this is a violation has this account was not opened in 2018. Have XXXX XXXX XXXX  verify or delete this account. This item is being reported beyond statue of limitations according to the state of texas.
Consumer complaint received 2024-07-22
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: BARCLAYS BANK DELAWARE (IL)

I applied for a new Barclays AA credit card online in XXXX. While I was out of the country, someone intercepted the card and/or the card information, activated the card, and made fraudulent charges ON XX/XX/year>. After many hours on the phone with Barclays, I was able to cancel the card. I received XXXX letters from the Barclays fraud department saying they closed the card due to fraudulent charges, but they still continue to report that I am late on the 'payment '. Letters dated XX/XX/year> and XX/XX/year>.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MN)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I am writing to formally dispute inaccurate information that appears on this publicly traded security. The incorrect information contains numerous errors that need immediate correction. I assert my rights under the Uniform Commercial Code ( UCC ) 1-308 to have these inaccuracies promptly addressed and removed. 

The publicly traded security in my consumer file contains false information and needs to be removed. Specifically, the following names listed on my report are incorrect : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX I have not, nor have I ever, gone by these names. I do not have a middle name, and this information must be corrected immediately. 

Additionally, the following addresses are not mine and are non-mailable addresses, requiring prompt removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Moreover, the following phone numbers are incorrect and should be removed from my consumer file : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX I am the rightful owner of this credit file and request that these inaccuracies be corrected to reflect my true information. I deserve to have my rights respected under UCC 1-308. 

Please investigate this matter, remove the inaccurate information from my consumer report, and send me written confirmation of these changes. I appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

I received a Cash App card in the mail that I did not order, I do not have a cash app account. The company sent me a questionable email with a link to provide : 1. Your Full Legal Name ( first and last ) 2. The name listed on the Cash App Card you received 3. Has anyone previously lived at this address?

4. Please use this link to securely share the front and back images of the card : Which I am not comfortable giving.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NJ)

on XX/XX/XXXX at XXXX XXXX I was at XXXX XXXX XXXX XXXX  where I attempted to withdraw {$100.00} out of their ATM machine ( XXXX ) with a total charge of {$110.00} but did not receive any money. I immediately waved over one of the casino employees who then called who I think was security or something. his employee number was XXXX and his name is XXXX XXXX. He is the fellow in the photo standing at ATM machine, speaking to the ATM people and documenting the transaction, photo attached. He Checked the ATM machine and contacted them as well. He opened the machine up and was reading a log, and then showed me where the transaction was reversed and said I should receive my money back in my account within a couple of days, I never did. I took some photos of the machine. I do have the machine number, etc. photos that employee at XXXX name and photo and also contact it cash app, which was what I had used to withdraw the money and put a dispute in since the money did not show back up in my account. I also gave them all of the information photos, etc. that was requested it has been, almost a week and I still have not received any money and was told that they are contacting XXXX XXXX  nothing more. as this is not the first time I have had an issue with Cash App transactions with a debit card or with an ATM machine as it had taken me over XXXX months to get my money back the last time along with a threat of filing a police report up to that time everyone ignored my dispute and never got back in touch with me I do not want to get to that point as I dont have a lot of money as it is and I dont understand why the money was never immediately put back into my account anyway
Consumer complaint received 2019-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (CA)

On XX/XX/XXXX I set up an temporary repayment plan with XXXX mortgage to bring my account current. I was instructed to pay by mortgage due 1st at the regular balance of XXXX and starting XX/XX/XXXX the payment I was behind would be spread out until XX/XX/2019 bringing my new payment to XXXX my servicer was changed to PHH mortgage. I was never notified the plan was canceled. PHH had the agreement plan from XXXX but told me I would have to wait for my payments to behind for 2 months in order to restart the plan.
Consumer complaint received 2024-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OR)

Filing complaint due to being denied on school misconduct application. This is following guidance from XXXX 

On XX/XX/year>, I submitted a School Misconduct Loan Discharge Application to Navient. Navient advised this application was received on XX/XX/year> and to allow up to 60 days for processing. On or about XX/XX/year>, I sent an contact message via navient.com to request an updated status on the process. 
On XX/XX/year> I received via Navient 's message system, a reply saying it was denied on XX/XX/year> and messages take XXXX to XXXX hours to post. At the same time I received the reply message in the Navient message system, the replies of all denials were in the message inbox as well. 
These message only stated that my request did not meet their required criteria and did not state any specifics as why it was denied. I find it odd that the school I attended ( XXXX XXXX XXXX ) was found in multiple court cases to be in violation of most of the " requirements '' that Navient listed on their application for dismissal. 
I also found it somewhat suspicious that I was notified via email on XX/XX/year> that my loans were being moved to a different company. I had no knowledge of this before hand, but I did see that Navient mentioned this on their website. 
I also found it suspicious that my application was denied almost the exact timeframe I asked for an update on the process. As if me asking about it " forced '' them to look at it and then just vaguely deny the application. 
Feeling cheated and scammed by this company as any attempts over the past 10 years at XXXX XXXX XXXX forgiveness or any questions on loan forgiveness and such were skirted and/or ignored by any representative I talked to and now they deny my application for dismissal within XXXX hours of me asking for an update. 
I feel this company is purposely avoiding doing anything to let the next company they are dumping my loans onto deal with it ( 'passing the buck ' ). 
I fail to see why it was denied when I was included in a few court settlements that XXXX frauded their students.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have sent dispute requests to Equifax regarding the following accounts numbers : XXXX / XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX / XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Consumer complaint received 2019-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

I have tried to rectify problem before with Chase each month when the payment is made the Chase rep calls XXXX to straighten out the payment has been deducted yet by my account I now have a payment history and without knowing I have tons of late charges never disclosed by Chase
Consumer complaint received 2023-03-24
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$580.00} XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - SELF EMPLOYED Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (OK)

I am the FPOA for my XXXX year old feeble mother. 
On the XXXX of XXXX I was conducting an online wire transfer for a {$3200.00} ride-on lawn mower being purchased from my step-son that he had delivered that day. The transaction was flagged as a fraud alert, so I completed the transaction using XXXX  from a different bank. 
The next day I noticed the account had been locked so I called the bank, with my mother in the room and spoke to the bank 's fraud department. They asked her to identify herself and asked numerous questions, which I had to help her with because she is hard of hearing and has a very poor memory. She is also a recent XXXX  after my father died and he did all of the banking, so she is unfamiliar with how things work. She has also never had a computer or a cell phone. 

The bank people were completely unhelpful and I eventually told them to close the account as we had opened a new account close by, as Wells Fargo do not have any branches in Oklahoma. They initially told me they could send out a cashier 's check for the balance, but when they found the balance was over {$50000.00} they retracted the offer and said she would need to go into a branch. I explained that the nearest branch was XXXX miles away in Kansas. They then offered for me to write a letter for them to close the account. At this point, I got extremely angry with the fact that they had asked a dozen questions to identify my mother yet would accept a letter. 

I told them that forcing my mother to travel XXXX miles round trip with XXXX hours on the road, just to close an account was elder abuse and I wanted to register an elder abuse complaint. The woman on the phone gave me a very cryptic complaint file number that I had to cross check, double check and triple-check with my wife writing it down because it was full of hard to understand letters. My mother would never have been able to understand it. This in and of itself seems deliberately designed to be an elder off-put. 

The following day, I drove my mother XXXX hours round trip so she could close her account. 
To date, XX/XX/24 the cashier 's check funds are still being held by Wells Fargo. 

Yesterday, we had the Oklahoma Adult Protective Services come to the house and speak to my mother as a result of Wells Fargo notifying the authorities.
Consumer complaint received 2019-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TX)

To CFPB I received a credit alert today that something had been placed on my Equifax report, I have just had a doctors appointment because Equifax continues to disobey Federal Law in that they refuse to verify ANYTHING placed on someone's report. I have been notified by my doctor to stay out of stressful situations because I suffer from XXXX and the XXXX XXXX XXXX of the XXXX is greatly affected by stress, Equifax doesn't seem to care about people 's health no, the only thing they care about is the money they are paid from companies that also are violating the law. EQIFAX HAS BEEN WARNED MANY TIMES TO OBEY THE LAW AND THEY CONTINUE TO NEGLECT THIS WARNING. I have had enough of this willful disobedience on the part to Equifax it's time for jail time for Equifax because once again they have continued to disobey the law and this company who has placed this on the report, XXXX XXXX has also violated the law in that I have received no notice of this bogus debt they claim I owe. The governors across the U.S. have passed laws that prohibit medical debt to be reported for 6 months after the debt. But I don't owe this debt.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-09-20
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. (FL)

In accordance with the law 15 USC 1681i ( 5 ),, inaccurate or incomplete information can not be provided in my credit report, I have found that late payments in the XXXX XXXX XXXX account numberXXXX are inaccurate in all 3 bureaus of credit, according to law 15USC 1681e ( b ) there can not be incomplete and inaccurate information in the 3 credit bureaus.
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.