davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

Cash app closed my account due to the accusations of not following the terms of service agreements. I have reviewed the terms in full and have not violated any of the agreements. I would like to have full access to my account restored as this is the only means I have to transfer funds to my family.
Consumer complaint received 2023-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AL)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint Against [ Collection Agency Name ] To Whom It May Concern, I am writing to file a formal complaint against Jefferson Capital regarding their handling of accounts that were opened fraudulently and their failure to validate these accounts despite my repeated attempts to resolve the matter.

I have previously disputed these accounts with Jefferson Capital and the original creditor and provided them with documentation proving the fraudulent nature of these accounts. However, they have not taken the necessary steps to validate these debts as required by law, and they continue their collection efforts.

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Jefferson Capital. I also request assistance in ensuring the removal of any negative reporting associated with these fraudulent accounts from my credit reports. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-02
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. (NV)

On XX/XX/2023 I sent a letter to Experian letting the company know that they are reporting inaccurate accounts on my consumer report. Experian refuse to remove these accounts and keeps saying that the accounts are Verified how can this be true when the company didn't provide any evidence to support there claim the following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have attached a pre- arbitration along with this complaint and my previous letter I sent to Experian on XX/XX/2023. I am getting really frustrated that my consumer rights keep getting violated. Experian is not following the FCRA the above accounts are a violation of 15 USC 1681e ( b ) everything must be XXXX percent accurate.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (FL)

There are accounts on my consumer report thats is identity theft. I didnt provide written permission with a wet signature for them to be reported on my consumer report. I reached out to you recently to fix these! Im requesting that this info is blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint not being handled accordingly. I have not been able to puurchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (AZ)

Once I have Certified letters and Order for Guardian of a person in my hand, I should be able to take it to the Bank and marshal the account and have access to my client 's funds. Chase Bank requires me to go through a lengthy process which has caused my client 's to be exploited by family members who wipe out the account before Chase Bank will close the account. 
On XX/XX/year>, I emailed a copy of my Guardian Letter and Order for a new Court Appointed XXXX to my local Chase Bank. It is now two days later and I have not been given the " permission '' to go into the branch to close my client 's account and have access to his funds. Meanwhile he is stranded in the hospital, as I am not being permitted by Chase Bank to have any access to his accounts even though my Court Guardian Letters and Order state " all financial institutions shall cooperate with the XXXX XXXXXXXX XXXX XXXX  in XXXX  funds, closing accounts, including bank accounts held jointly with other individuals. '' When I ask why the process takes so long, I am told the paperwork has to be reviewed by a legal team of experts on guardianships. Other banks work with me immediately, but Chase Bank has held the process up for over a month in one instance and my client 's account was drained by someone who had access to her debit card.
Consumer complaint received 2024-01-18
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (PA)

I had my cash app account for years and never really had a problem with them but my cash app account was closed for no reason and I was never told why or what the problem was it's been almost a year since and I still don't know what happened and why all I was told was to look at the service terms but that says nothing about what I did or didn't do with no warning or anything I don't do XXXX or anything illegal I don't transfer large sums of money and when I do transfer money it's always small amounts unless it's my part of the rent I give my sister for living here I only transfer money with my sister and my neice and a couple friends so I don't know what is the problem I have asked them several times in the past and was never told anything they just closed my account for reasons I still don't know
Consumer complaint received 2023-04-25
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)

these are not my accounts : XXXX acct # XXXX {$180.00} XXXX XXXX for XXXX acct # XXXX {$85.00} XXXX XXXX acct # XXXX {$170.00} and the following inquiries ii did not make : XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

The account was settled for deletion with a payment of {$410.00} on XX/XX/2024. I received a letter from XXXX XXXX on XX/XX/2024 that my account was settled and the balance is now {$0.00}. This is still being reflected as a collections account on my credit report.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been working with the XXXX XXXX regarding options to save my home for the last few months. I have provided all the information they requested and am being told there is nothing that can be offered to me. I have never been assigned a point of contact and when calling I am always getting different answers from the representatives there. I am facing a foreclosure sale date and they are treating me as though I have no options and are proceeding with the foreclosure. I feel my rights have been violated and that I am one of the the many other homeowners who are facing this exact predicament. The people who can help me save my home are in fact not trying to help me at all.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (NY)

On XXXX I attempted to use my card the sale was declined even though there was available credit. Zero communication for Avant about why so I called Avant to find out why they said fraud hold. Well I asked them about XXXX time so far whhatbtransaction and why they thought it was fraudulent they REFUSE to answer and that makes me beleive somthing is illegal with this company. It is a simple question and should be easy to answer. Well the big issue is they do not have have customer service reps that you can call they have people who take messages and type emails to customer service reps that are available through email only. Is this legal?
Consumer complaint received 2024-01-18
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. (MI)

I am aware that despite customers providing precise information, you have been using pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand that this is illegal, as each customer complaint should be individually considered and handled appropriately.

My letters are created using accessible software available to everyone. If you choose not to process my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay processing based on the assumption of third-party assistance. This does not qualify as a legal exception. I am the sole author of letters bearing my name, or they are written by my advisors with my knowledge and consent. Failure to respond promptly will be seen as a willful disregard for my rights, and legal action will be taken.

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and Metro 2 data field reporting standards, I have the right to dispute incorrect information on my credit report. It is essential that all data in a consumer 's file is properly documented and validated. The
allegations against me are false, and I won't tolerate misinformation about my financial history. I challenge these claims due to their failure to comply with reporting standards. It is your responsibility to report data accurately and in compliance with FCRA and METRO 2 standards. Handle this matter with care and diligence.
Consumer complaint received 2024-07-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL (CT)

My CD with Synchrony Bank renewed automatically on XX/XX/XXXX. I received no pre-renewal notice. I received an email notice of renewal on XX/XX/XXXX, AFTER the grace period. I complained twice on the phone to agents. I was told my penalty for missing the grace period by about 7 days would be over {$4000.00}. On XX/XX/XXXX, I sent an email and a letter to Synchrony. I received no reply ( as of XX/XX/XXXX ). 

Unlike XXXX XXXX, Synchrony does not allow the option of NO XXXX XXXX on making a CD investment. Unlike XXXX ( XXXX XXXX ) which allows convenient online option to close on maturity, Synchrony allows only phone instructions to close and only 45 days before renewal. Synchrony only has a 10 day grace period, unlike XXXX, which is 14 days. 

Banks that set up default rollovers also switch the promotional rates, to their benefit. Unprotected consumers suffer. Inattentive CD owners, I suggest, are often elderly savers.
Consumer complaint received 2024-01-18
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. (IL)

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 has violated my rights. 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.
Consumer complaint received 2024-01-18
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. (NJ)

Transunion is reporting inaccurate accounts and information on my consumer in which I've previously sent them dispute letters to investigate these accounts. They responded that they are verified and accurate but never provided any documentation of proof. The accounts listed in my dispute never belonged to me nor do I have knowledge of who they are asking to collect debt. Ive reached out to the creditor asking them to verify this debt, which they couldnt. How can I owe them a debt if there was no agreement set in place? I understand that it is Transunion 's duty to do whats fair and equitable for the consumer and it isnt fair that they failed to properly investigate these accounts. Anything thats inaccurate or not verifiable must be removed from my consumer report immediately. Included in my complaint is a new dispute letter in which I ask Transunion to thoroughly investigate these accounts and remove anything thats inaccurate or Non verifiable. 

Violations committed by Transnunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MO)

I received a fraudulent text warning me that someone tried to use my debit card for {$490.00} at XXXX. I responded to the text NO that I hadnt tried to purchase anything. I received a call from Chime ( Chimes phone number ) and the guy identified himself as the fraud dept. He told me that my card and accounts had been hacked. He said the scammer had just as much access to my money as I did. He assured me that he had put a freeze on my accounts for 24 hours and he would work to help me get everything worked out. He advised that because the scammer had access to my mobile banking, I should close out my checking and savings accounts. He said he would open new accounts for me and I could transfer the money to them and I could change my password and I would be protected. He set up the new account, gave me the account number and told me to transfer the funds. I did- only the full amount wouldnt go through so I only did half. When I tried to send the second half, I kept getting an error message ( thankfully ). I contacted the bank the next day and they said it was a scam and they hadnt called me. They advised that I file a dispute to recover my funds. I did and they came back with a final decision that it wasnt fraud. Chime told me I needed to reauthenticate my account and they asked permission to send me a code via text to which I said yes. I received a text from chime which read Chime will NEVER ask you for this code. DONT share it. The code you requested is XXXX. Didnt request it? Call XXXX. ( The same number that called me the day before ) The Chime rep asked for the code. I told the Chime rep that I wasnt giving her the code bc the text clearly says that Chime will never ask for it. She said this is our process. I told her clearly I had been scammed the day before and I wasnt taking my chances. Chime makes it very hard to decipher who is legit and who isnt. ( The number the money was sent to was the new account number I was given. )
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Guild Holdings Company (TX)

My homeowners insurance is again paid late. It was due XX/XX/XXXX. They dont pay it last year and I had to pay it out of my pocket. It shows the payment was made XX/XX/XXXX this year but my insurance company has still not received it. They did not provide any tracking information with the payment and my insurance company still has not received it twelve days later. I have received notice that my policy will lapse again. I want to end escrow on this loan and make these payments myself. This company is crooked as a dogs leg.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My HR person at work informed me that they received an income execution order from the sheriff from Portfolio Revovery Associates. I have no idea what credit card they sued me for. It must be old debt from when I was out of work in XXXX or so. The county clerk papers are dated XX/XX/XXXX & XX/XX/XXXX. Yet the Sheriffs papers are dated XX/XX/XXXX. Now my hr is saying this starts XXXX  and it will be 10 % of my gross before taxes & insurance comes out. How? In this economy? And from when XXXX or 10 years ago? Please help
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I contacted the credit card company, I spoke with supervisor XXXX id # XXXX. 
I advised him I wanted to close my account, we confirmed it was a XXXX balance. So I closed my account and now it shows a 30 day late. And it should be on time no late payments and closed at my request. A perfect payment hiatory.
Consumer complaint received 2024-06-25
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. (TX)

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.
Consumer complaint received 2024-07-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I called the company to send me documents staying that thry had permission to report on my credit. And I ask them to send me all the documents with my signature and they haven't provided it. And it's been 2 weeks they said they where going to send me a email. From Fair collection and outsourcing.
Consumer complaint received 2024-04-09
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

{$5500.00} Open balance XXXXXXXX XXXX Original creditor XXXX Opened XXXX XXXX, 2022 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXXXXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I made a payment of XXXX that posted to my account on XX/XX/year>. This payment has paid my account off in full. XXXX XXXX  is still refusing to correct the payment status to paid in full after I disputed the information with XXXX, XXXX and Equifax. They are still reporting the incorrect balance information.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX Last reported XX/XX/year> {$2600.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/year> ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX
Consumer complaint received 2024-01-18
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. (IL)

My name is XXXX XXXX and I'm writing to let you know I am a victim of a reported data breach. I noticed certain incorrect personal information, fraudulent accounts and unauthorized inquiries have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.