davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ( XXXX ) XXXX The above charge account was revolving charge account and was never late in payment. The merchant have reported 60 days past due to all 3 credit bureaus ( XXXX, EXPERIAN, XXXX ) and I have requested merchant and all 3 bureaus to remove as it is inaccurate. Neither merchant nor Credit Bureaus were able to provide any proof of late payment neither remove this from my credit report. I sincerely urge CFPB to instruct XXXX, EXPERIAN & XXXX to remove this from their reports. Hope CFPB will assist in this matter as it's violating my consumer rights. 

Thanks, XXXX XXXX
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (IL)

I recently received a Cash App card sent to my home address that I did not apply for. 
The Cash App customer support numbers are both unable to get me to a live human representative to speak to and only prompt me to download the app for chat support, which no one has responded to.
Consumer complaint received 2024-02-05
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-04-19
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. (UT)

I lost my wallet and within 20 minutes I had XXXX dollors in charges on my cashapp card as soon as my phone notified me I stoped the card and ordered a new one. I contacted support they asked me to wait for an email within 24 hours. It has been over 3 days with no email. The three charges starting with the XXXX and the two charges above that at XXXX XXXX and XXXX.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

Experian refuses to remove the following account from my credit report below : XXXX XXXX This account has not been validated nor has it been verified. This debt is associated with an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. I dont have a record of this address on my credit report and this is going against consumer law that I the consumer is protected under. 

This is in violation of 15 U.S. Code 1692g - Validation of debts
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC (TX)

I have told this company on multiple occasions to dispute the debt. They keep calling me and then talk disparaging to me and on multiple occasions they hang up on me. One rep told me I couldn't pay my bills so she wouldn't talk to me. Other gentleman told me I couldn't dispute or talk to them about the debt until they hit my credit. XXXX has sent this to a XXXX debt collector because they know I've disputed this. This company is the shadiest and refuse to dispute the debt and act professionally.
Consumer complaint received 2024-04-15
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: Experian Information Solutions Inc. (TX)

See the attached FTC report and remove the following unauthorized inquiries from my credit within 7 days : XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XXXXXX/XX/XXXX EXPERIAN
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, American Express informed me in writing that I would receive the bonus by XX/XX/XXXX. However, as of XX/XX/XXXX, I still haven't received the bonus. A supervisor named XXXX refused to provide the bonus and told me that it would be provided 8-12 weeks after meeting the spending requirements. But I reached the 12-week threshold on XX/XX/XXXX.
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (OH)

according to these XXXX accounts that is reporting on my credit report they have been XXXX and or written off as a total loss meaning they reported them to the IRS and then sold to a third party debt collector. I have reported them to the Irs and filed a 3949A form. for falsely reporting income and not sending 1099 's for it being a loss to they company and they then sold my information to a third party without my consent still trying to collect on this paid off account. they also reporting inquires that I sent in validation that I have not applied for a automobile.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (IL)

A {$73.00} transaction was sent to my old closed account via through cashapp! ... because the account they sent it to was closed the bank sent the money back! ... Now cashapp is claiming that they never recieved the funds back from the bank and closed the case for the refund!! ... my bank has screenshots of this transaction as well as retrieval reference numbers and time and date the transaction took place!! ... it happened on XX/XX/2022 at XXXX!.. 
In the amount on {$73.00} ... not 1 of the customer service representatives through cashapp helped in fact they just told me the same thing over and over and then closed down the case without me recieving the payment!
Consumer complaint received 2023-12-05
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. (CA)

Trans Union continues to report inaccurate information on me which is a violation of my rights. They said the info was accurate but cant prove it. I asked them to, they are stalling.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (MA)

I went to an ATM and withdrew {$400.00} plus the {$5.00} fee for using ATM on XX/XX/22 unfortunately the ATM did not dispense cash..never opened I immediately called the number on the Machine and they told me to contact my bank regarding receiving the funds back, they provided me with a reference # XXXX to help identity the transaction and sent an ATM tech to troubleshoot ATM. I have tried multiple times reaching out to Cash App support asking for Regluation E policy to be enacted yet no response or they reply with someone will get back to you. Its been a week tomorrow where is my money? Here is proof of escalation Ref # XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc. (GA)

I wanted to opt out of the reporting of the utilization of the credit card.Per the law 16CFR313 the Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act they are violating the law of reporting to a third party.
Consumer complaint received 2023-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

I got a notification on My phone from XXXX for {$16.00}. This charge I had no recollection of authorizing. I call Chime to dispute or stop the transaction. Chime informed me that I could not do anything about this, because the charge was still pending. I Chime customer service informed me that I could call XXXX XXXX try to get the charges stopped or refunded. So I XXXX XXXX and I hit the first link I saw it said XXXX Customer Service this the phone # XXXX ( XXXX ) XXXX. Someone answers an says how can I help You. I tell them about the unauthorized charge from XXXX the XXXX  rep. says he can help with this. He says in order to refund you I need to download XXXX. I'm not computer savvy like most people are today. I do as ask & he also walk me thru the process of installing it into my phone. Once installed the XXXX  rep. says he is transferring me to their refund department. Once there a XXXX XXXX XXXX answers. I tell him about the charge. I have been on the phone for close to 30 minutes at this point. The call was bad & disconnected. However the XXXX XXXX called back from phone # XXXX. We continued speaking about the charge & that I wanted it canceled. He said he could help an asked is the XXXX & my Chime account open. I reply yes. He tells me all my account funds must be in my checking. I ask why. In my Chime account I had checking : {$56.00}, credit : {$93.00} & savings : {$1400.00}. Which totalled {$1500.00}. At this point he had total control over my account. He moved everything in checking. I ask why. His reply he is just doing his job & said the money will be put right back. My wife over hears this and says this sounds like a scam. We notified them that we were calling the Police, which we did after I called Chime. This is where I have an issue with Chime. Chime would not stop the {$1500.00} transaction saying it already went thru. Even after I told them this is a scam/fraudulent transaction. I couldn't stop the XXXX charge because it was still pending. I can't stop the fraudulent scammers transferred because it went thru. Which is it? Any other Bank would of stopped the transaction or credited back my account. I also sent Chime a Police Report I filed with the XXXX Police Department for the fraudulently scam case # XXXX. Chime has rejected my claim three times. I talk with Chime Reps. across the world to no avail or I can not understand their language. I understand how this may look. However in the moment all I was trying to do was stop the unauthorized charge of {$16.00} & thought I was talking with XXXX. I have never had any fraudulent activity or is this a recurring issue for Chime to have denied my claim. I honestly hope this issue can be resolved. I have been a loyal customer of Chime. However it seems they do not value that.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CA)

On XX/XX/XXXX, a cash app card was forwarded to my new address from my old address. The Cash App card has my name and old address on the letter. I did not create this account. I attempted to log into the account and was asked through the app if I was in possession of an email address that is not mine. I contacted Cash App that same day to advise and whom I suspected started the account. Cash app advised the account will be investigated. In the meantime, on XX/XX/XXXX, my relative attempted to send {$60.00} to me and mistakenly sent it to the fraudulent account. Cash app was notified and advised to request a refund of the amount. My relative requested a refund and did not receive a response. On XX/XX/XXXX I received a response from cash app that the account had been closed. 1 ) I would like a refund from cash app be sent my relative 2 ) I would like to know how can someone create an account with my personal in formation.
Consumer complaint received 2024-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

In XXXX of XXXX  I noticed that Nelnet was mishandling my loans. I put in a request and they said it would take 3 weeks, after 8 weeks I called back and they said they had up to 11 weeks to provide the information. At 11 weeks Nelnet said they are not required to provide the information and the online statements that only go back 5 years is the best they can do. I am being gate guarded by customer service and not able to escalate this issue with the company. One IDR loan is being charged improperly and my other SAVE loans Nelnet is making it hard to pay on. This pathetic XXXX dollar company can not keep track of one student loan account properly, let alone millions of accounts. Nelnet is intentionally stalling payments to borrowers on the SAVE plan so they can accrue more interest by stopping people from making payments when interest was low due to the plan. They are capitalizing interest on one IDR loan and arbitrarily changing principal amounts outside of the time frame when interest would be capitalized to principle. Nelnet is essentially applying principal and interest amounts simultaneously and doubling the amount the loan is increasing by. I have asked for all monthly statements which they refuse to provide. Their website is frequently down and this company is intentionally making it hard to make student loan payments. All records of calls and information is on their system and should be provided.
Consumer complaint received 2024-05-04
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. (IL)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my complete understanding that Equifax will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate : XXXX XXXX, Account number XXXX
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (MO)

21st Mortgage Corporation 1 ) refused to provide statements during term of mortgage. Said coupon book was the only thing we needed and my mortgage " did not qualify '' for statements.

2 ) processed payments randomly after receipt. ACH payments not applied on date of reciept, but could be many days after. Checks sent exact same day every month direct from my bank were applied a variety of different days. ( see attached payment history ) 3 ) refused to accept any electronic form of signature from refinancing corporation, and made the process of refinancing harder by refusing to give a payoff amount to the new mortgage company 4 ) refusing to allow the mobile home financed to be affixed to the land while 21st had a loan on it, which would make any form of refinance or sale impossible. Insisted that the mortgage had to be paid off to them before any affixation could occur. New refinancing mortgage company had to work with title company to come up with a solution so new mortgage could be processed. Otherwise any sale or refinance would have been blocked.

5 ) if payment applied and did not clear my bank ( could be any random day up to weeks after payment was made ACH ) 21st locked out all forms of payment except for bill pay through a bank or calling and making a payment with the loan officer over the phone. All onine access or automated phone payments to make a payment was blocked for 6 months.
Consumer complaint received 2024-07-11
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: U.S. BANCORP (TX)

I submitted a detailed 20+ page document outlining how I have been defrauded by Apex Trader Funding, a well-disguised Ponzi scheme operating out of Texas, for over {$65000.00} charged to my two US Bank cards XXXX US Bank has not fulfilled its obligation to protect consumers from fraud. I have only received partial chargebacks for some of the charges, and as of XX/XX/year>, even the small portion of charges that were reversed are now being re-applied to my account. 

Under federal law, it is US Bank 's duty to fully investigate ALL of the charges and provide a provisional credit while the matter is being investigated. 

So far, I have spoken to one person from US Bank who has attempted to resolve this matter : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

The US Bank dispute department has failed to address ALL of the charges resulting from this Ponzi scheme defrauding me. And as of yesterday began adding charges back to my card that were under dispute. 

The two US Bank dispute department representative I have spoken with are : - XXXX for XXXX XXXX - XXXX XXXX for XXXX. XXXX
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX GEORGIA XXXX Subject : Violation of U.S. Code 1681a ( 2 ) ( a ) ( i ) -and U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Account Name : ( CAPITAL ONE ) Account Number : ( XXXX ) Date of Reporting : XX/XX/XXXXXXXX  Description of Inaccuracy : Inaccurrate Reporting CAPITAL ONE is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1671a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transaction or experiences ( payment history, charge off status ), between the person ( CAPITAL ONE ) making the report and the consumer ( myself ). Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( XXXX ) to a consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows of has reasonable cause to believe that the information is inaccurate. CAPITAL ONE can not collect on a discharged debt. This is now considered a certificate of indebtness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. 

This reporting is unsatisfactory, CAPITAL ONE IS HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CAPITAL ONE TERMS AND CONDITIONS they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX is not an affiliate of CAPITAL ONE nor are they " bureaus ''. 
I have a right to Privacy and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization in the consumer may have given you written, nonwritten, verbal and nonverbal per U.S Code 552a. XXXX XXXX must also refund the remaining balance of the consumer account upon its termination. this your 7 day notice to return ALL money due from this consumer. account THIS IS A WARNING YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have attached a FTC Identity Theft Report outlining fraudulent accounts, that are currently listed on my credit report and file. XXXX XXXX with account number XXXX for the amount of {$12000.00}, and account number XXXX for {$27000.00} are fraudulent and are not my accounts. I contacted XXXX as well regarding this issue. I demand these transactions that were a result of identity theft be blocked and removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination. This request was not made in error I am competent in making this request. I did not receive any goods, services, or money in any of these transactions. 

Thank you for your prompt assistance.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (OK)

Early Warning Services ( EWS ) is refusing my opt out request. As a federally protected consumer, I am allowed by law to opt out of their services. I have asked them to provide me with the agreement signed by my bank that allows them to furnish my non-public private information and the laws that supports their claim that I am not allowed to opt out. 
See attachments.