davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Onity Group Inc. (GA)

XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : Not my account Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
Please note that you have XXXX  days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions.
Consumer complaint received 2024-05-29
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/year> I received a pre-selected credit card offer from XXXX essential reward XXXXBarclays Bank showing a {$200.00} cash back bonus offer after spending {$500.00} on purchases in the 1st 90 days. ( Offer code : XXXX ). Also I'm an XXXX  retired XXXX citizen and an XXXX member too. Because of this bonus offer I accepted the card and they approved on XX/XX/year> with a credit limit of XXXX. Until then I started to use this card and had a balance due on around {$3200.00} as of today. Couple of weeks ago I contacted Barclays bank about this offer, but they denied and said there is no such offer. Again I contacted them multiple times ( emails/calls ) and finally they requested the proof of this offer. I send them the original invitation on XX/XX/year> where the address they provided through the email. They received the original proof and unfortunately still denying the cash back bonus offer on this card. 
Also I contacted XXXX today and they said Barclays Bank is responsible. That means none of them are helping to solve this issue. Basically this is cheating, the bank took all information 's including my social security for credit check. Due to their default action I didn't receive my bonus and also my credit score lowered. So please make appropriate action against this bank to receive their promised offer. Thanks,
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CBE Group, Inc. (AL)

THESE ACCOUNTS ARE INCORRECT AND REPORTING FRAUDULENTLY DUE TO IDENTITY THEFT! I HAVE FILED SEVERAL COMPLAINT 'S WITH BBB, CFPB, POLICE DEPARTMENT, AND ID THEFT REPORT. PLEASE DELETE THIS ACCOUNT ASAP!!!!! THANKS XXXX XXXX {$1100.00}, XXXX XXXX {$92.00}, XXXX. XXXX XXXX {$180.00}, CBE GROUP {$820.00}, XXXX XXXX {$1600.00}! PLEASE DELETE THESE FRAUDULENT ACCOUNTS. THANKS
Consumer complaint received 2024-05-28
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: Mortgage Research Center, LLC (AL)

XXXX XXXX XXXX  the inquiry was made XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> paddio XXXXXX/XX/year> XXXX XXXX XXXX i am requesting for all of these accounts to be removed they are affecting my credit score and i did not authorize of them to be screened
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received a credit card in the mail on XX/XX/year> that I did not apply for at Capital One banking. I immediately reached out to their customer support number to get some answers. The first operator I talked to said she would not be able to help me unless I gave her my SSN. I refused to give that out because I dont even bank with Capital One nor have I ever had an account with them. She then referred me to her supervisor. I gave her the card numbers that was on the card I received in the mail and asked to see if she could tell me at least what date it was requested or how it was requested ( phone, email, etc. ) She said she could not provide me with any answers since I didnt want to give me information out therefore she couldnt see the account. I again stated that I do not have an account with them to begin with. She said the only thing she could do is file a report which then she asked for my name, DOB, address, phone number. I gave those to her and she then mentioned that I should file a police report and also report it here.
Consumer complaint received 2023-04-30
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. (VA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/22 I opened Chase savings and checking accounts. The terms stated that if I opened savings and checking accounts {$300.00} would be deposited in each after meeting certain conditions. I met the conditions for the checking account and {$300.00} was deposited into it. I would have met the conditions for the savings account too but Chase made the deposit to savings difficult every step of the way. 
The conditions for the {$300.00} savings credit were that I had to deposit {$15000.00} within 30 days of the account opening. I had some money coming from my relatives estate and planned to deposit that in the account. However, it took some time for the funds to be available so I was not able to deposit them until a few days before the 30 day deadline. I prepared ahead of time by adding an external account to my profile on the Chase website. This was the account the funds would be transferred from electronically. The account is a checking account with XXXX and I went through the steps of verifying it with Chase. The Chase website confirmed it was verified and I would be able to transfer funds.

When the funds were available, I set up the transfer online. Im sorry I dont have the exact date but it was within the 30 day window. I then received a notification that the funds could not be transferred because additional verification was needed. There had been no indication that additional verification would be needed prior to this. By the time I was notified that additional verification was needed, the steps to provide that verification would take too long and go past the 30 day deadline. 
I then decided to write myself a check from my XXXX account and deposit it through the Chase mobile app. I went to deposit it but found that it exceeded the limit that I could deposit in one check. At this point, there was not enough time to deposit multiple checks of smaller amounts over a number of days. 
My next option was the ATM. I was working but my husband was available, so he went to the ATM for me. However, my husband is not familiar with Chase ATMs and accidentally deposited the {$15000.00} check into my Chase checking account instead of the savings. 
I tried to transfer the funds on the Chase website but was unable to because there was a hold on the funds. 
At this point, I reached out to Chase customer service and explained the situation. I was told there was nothing I could do.

I contacted them again and they basically cut and paste the terms into their answer and didnt engage with me at all.

Im not sure how many times I contacted them but there was never any attempt to provide good customer service and interact with me in a meaningful way.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (VA)

I Have disputed this several times with my credit bureaus and they refuse to remove. I dont know who the debt collector is. I do not have an account with them and never have. They refuse to provide me with the original contract and my signature as I e requested multiple times over the last XXXX XXXX years. I want this removed immediately from my credit report and my points restored. On top of it, they keep adding charges that are not real to the account and can not provide documentation.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

My card and my XXXX phones along with personal information was stolen and used without my authorization. When I reported it to the credit card company ( Discover ) they initially said I was not responsible. They later denied the credits as their arguments were first it was used in stores I had shopped before and secondly the charges were verified via communication that was on the account such as phone and email. 

I told them that whoever used these cards had my phones and emails therefore it could easily have been verified by anyone. Furthermore, I was working during the times the fraud happened so there is no way I am responsible for this. I even sent them a verification letter and police report to show them it was not me. 

Please reverse all these transactions and stop hurting my credit rating. 

The card in question is with Discover and ends in XXXX Thank YOu
Consumer complaint received 2023-04-30
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)

My personal information was used without my consent in order to open credit and put inquiries on my credit report which is hurting my credit. 

Transunion ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-15
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. (PA)

On XX/XX/XXXX, a fraudulent XXXX credit card was opened in my name. As soon as I saw the hard inquiry on my credit report, I called XXXX, and all of the credit bureaus. I filed a dispute. It was found to be fraud. XXXX said they sent all of the information to the credit bureaus. XXXX then removed the fraudulent hard inquiry from my credit report. As of today, XX/XX/XXXX, Trans Union still had not removed the inquiry from my credit report, claiming they never received the documentation from XXXX. I called XXXX and they confirmed they sent the information months ago. I want Trans Union to take the fraudulent inquiry off of my credit report. When I spoke to Trans Union today, they were not helpful, they told me they never received anything from XXXX and therefore cant take anything off of my credit report.
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (VA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Social Security # XXXX DOB : XX/XX/XXXX XXXX LVNV Funding Resurgent Capital XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons. 


Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C (MI)

Per phone call, debt paid on XXXX through employer withheld funds. Also paid XX/XX/27 was {$1300.00} paid to the attorney from Michigan XXXX XXXX XXXX. Attorney is holding funds for XXXX days - understandable. But now they're telling me that it's an ADDITIONAL XXXX days until they can release funds. Although they personally verified that both employer and state tax had fulfilled the judgment in full XXXX months ago. Attorney refuses to release funds sooner.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (GA)

COMPLAINT I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-04-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Over the last year, I've been led to believe that my credit report has been irresponsibly managed. I'm a victim of identity theft that stems from the XXXX XXXX data breach. I've been disputing fraudulent accounts for the past year, and Transunion have not provided me with substantial proof of validation that they claim they've received. I have made several attempts to remind Transunion of their obligations under 15 USC 1681. It appears that they are deliberately and willfully negligent in resolving my issues. 15 USC 1681e ( b ) guarantees that I am due and promised accuracy in my report in accordance with federal law. This is yet another attempt to have errors on my consumer report corrected. According to 15 USC 1681i ( a ) ( 5 ), all unverified information must be promptly removed following the reinvestigations. You can see in your system that this account have previously been disputed without being thoroughly investigated, so I know they can not be verified or validated. XXXX XXXX is fraudulent. I demand that the account be removed.
Consumer complaint received 2021-01-28
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. (MI)

I am very concerned to find that your bank XXXX XXXX has pulled all three of my credit reports XXXX Equifax XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?
Consumer complaint received 2022-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I got scammed thinking Im moving into an apartment whole time I had signed a fake lease & sent her funds when she wasnt even the actual management I urgently need my funds back the bank may not give them back nor the police can make her give them back Currently out of a home & 2,000 I urgently need something done desperately She was a tenant who was living there & done moved my husband & I in that apartment willingly when she wasnt supposed to list the property on XXXX  or sublease her apartment at all She refused to give me my funds back The property management tried make a contract agreement but I did not sign & she still did not give me back those funds
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (NY)

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MS)

I have attempted to contact Square numerous times, including email, phone, and chat. I have been blocked by all their communications due to them deactivating my account after they accepted a payment from my customer. They have suspended access to my funds and stated they would be released 2 days after 90 days, which still has not happened, nor has there been any response to emails or communications. 

I recently used a different phone number to call their support department to get a live person on the phone and was told they could not find any problems as to why the funds had not been released to my bank account. However, they had to escalate this to the next level. Once a representative was on the phone and opened my account, I was told my account was deactivated and did not allow for live support, and to respond to previous emails and hung up on me. I have responded numerous times to their previous emails, with no reply from their team, nor have the funds been deposited into my account. I have not received any communication of chargebacks or any other issues that gives them the ability to hold these funds longer than the 90 days as stated in their email. 

This business should be shut down immediately, as this form of deception and illegal activity should be what is in question, not the legitimate consumer transaction that they say is why they are deactivating accounts. I will be joining a class action lawsuit against Block for unlawfully keeping customers ' funds. If they felt this activity was fraudulent, then they should have never allowed the transaction. 


See email below from XXXX XXXX XXXX, We recently reviewed your account and found activity that our platform is unable to support. Because of this, we are sorry to inform you that your Square account is now deactivated. 
What does this mean? 
You still have access to view your Square Dashboard, but you will not be able to process new transactions using Square. Any funds currently in your account balance will be held for a period of 90 days, and are due to be released to you within two business days after XX/XX/2024. 
Please note that the release date and amount available for release are subject to change based on any additional activity, including chargebacks or bank returns that occur. If there are any chargebacks, they will be covered using the funds held in your Square account. If the held funds are not sufficient, your linked bank account may also be debited.
Consumer complaint received 2023-10-29
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. (TN)

I pulled my consumer report on XXXX, I noticed inaccurate information on my credit report. I sent out a notice on XXXX, the notice was not for verification of the account or proof of my mailing address but a request for validation pursuant to the FDCPA 15 USC 1692 ( G ) section 809 ( B ). The companies did not send the requested validation and the account ( s ) remained on my report.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$780.00}.