davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

I used my cashapp card at an ATM one morning trying to take out {$200.00}. My card was declined and the money was still taken from my account. I tried again to take out {$200.00} and it declined me again but STILL took the money from my account. I contacted cashapp, then waited XXXX business days and then contacted cashapp again to dispute the transaction. They responded only one time saying they would file a claim for this transaction and then days later they closed my cashapp account and stopped responding to all of my emails. In their Terms of service it says they will return the money filed in your claim until it is resolved. I emailed them again and a week later they refunded me {$200.00} and said they are unable to help me with the remaining {$200.00} and I have been emailing them everyday since and have received no response.
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TRUIST FINANCIAL CORPORATION (VA)

My realtor and I were told that if I received a gift of {$2000.00} that it would show the underwriter at Truist that he can count the XXXX of {$2000.00} that was put in at date of offer, that we would have enough cash reserves to close on the property. 

I was told that I would receive a refund of {$2000.00} after closing in the form of a check. 

Mind you this gift was from a family member and I only accepted the gift as I was told we would get it back after closing. 

Come to find out the lender Truist instead of asking me how I would want the refund, ended up just applying it directly to my mortgage principal with no communication to me or my wife.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the presence of fraudulent charges and collection accounts on my credit report, which are negatively impacting my creditworthiness and causing distress to my mental health. I recently obtained a copy of my credit report from your bureau, and upon careful review, I discovered several items that are inaccurately reported.

I am a victim of identity theft, and I am deeply troubled to see that these fraudulent charges and collection accounts remain on my credit report, despite my status as a victim. 
Below are the details of the disputed accounts XXXX XXXX XXXX XXXX XXXX - PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXXXXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
I request an immediate and unexempted removal of these fraudulent charges and collection accounts from my credit report. The inaccuracies in my credit report are not only affecting my financial standing but also causing undue stress and anxiety. As a law-abiding citizen, it is disheartening to face the consequences of identity theft when I am the victim.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Carvana Group, LLC (CA)

Car stolen, XXXX balance owed was {$15000.00}. XXXX paid XXXX, Gap paid XXXX. Today my balance is showing XXXX. I called them, yesterday, they were " working on it ''. Today I saw what they worked. I can not believe the irresponsibility of who ever is posting payments and adjustments. They reassured me it would be taken care and not affect my credit, not to worry about anything. Today it is worse off than yesterday. Yesterday my balance was XXXX. They have reverses all payments and then some. HELP ME! 

Bought Car from XXXX, paid more than it was worth.
Consumer complaint received 2020-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (DE)

Yesterday I received an email from XXXX who works for cash app, stating that I need to submit another copy of the affidavit with death certificate so I did through the portal. Except all this information was sent prior so why do I have to keep sending the same information over again. I want this issue to be resolved so I can move on from this. Why aren't they giving an answers on either account? 
account # XXXX account # XXXX
Consumer complaint received 2024-05-18
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: Bread Financial Holdings, Inc. (PA)

**Complaint to CFPB : Unauthorized Account and Fraudulent Activity** -- - I am writing to file a complaint regarding fraudulent activity involving XXXX and XXXX XXXX  XXXX These entities have fraudulently used my identity to open a makeup account without my authorization. I am a man and do not wear makeup, and I never authorized the opening of this account. 

I request that the inquiry related to this unauthorized account be removed immediately. 

This is not the first instance of such fraudulent activity ; this is the second time in a year that someone has attempted to open an unauthorized account in my name. 

I have forwarded this matter to my legal counsel for further advice and action. 

Please address this issue promptly to prevent further damage to my credit and identity. 

Thank you. 

-- - Please make sure to include all necessary personal information and documentation
Consumer complaint received 2023-09-01
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Blockchain.com, Inc. ()

I opened an account with XXXX about XXXX years ago. I now have XXXX in bitcoin in the account. I verified my identity successfully in XXXX when the laws changed and they requested me to. I do not use the account to trade I simply hold bitcoin in it. I have just had a XXXX and my husband and I are XXXX XXXX, so we now need to withdraw the money to put it towards a XXXX purchase. When I tried to do this back in late XXXX I was told that I couldnt move any money because my identity couldnt be verified and also that my account was now a XXXX XXXX only despite the fact that my funds in my Account. I raised the issue with customer care in XX/XX/XXXX and also sent them correspondence from XXXX proving that I had already successfully verified my identity. Since then I have received no meaningful response, the company just tell me that I need to wait and at some point they will get to my request. I have no faith that they will actually do this as it is now coming up to 6 months later with no luck. They did eventually give me a ticket number which is : XXXX. I have looked at reviews of the company and it seems as if it has been sold and is potentially now a scam. I am terrified that I have lost all this money. My email address is XXXX XXXX - sometimes customer service refuse to deal with me because the XXXX server comes up as XXXX rather than the XXXX that I created the account with.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

My account was charged {$53.00} for a XXXX  transaction I didn't make and the date on the transaction states XX/XX/XXXX so how is that possible I spoke to my bank they first said my account would be credited {$53.00} and they failed to do so I called back and then they informed me that they couldn't do that I was given the wrong information by they're coworker so nothing was resolved my money was taken this is the 3rd time I have this problem
Consumer complaint received 2023-12-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I received a {$100.00} VanillaGift Visa gift card for my birthday in XXXX. I tried to use the card for an online purchase in XXXX, but it would not work. I checked the balance of the card and found that it was {$0.00}, as it had been used at a XXXX XXXX in XXXX, CA. I did not use this card for this purchase and have never been to XXXX, CA. I filed a complaint with the gift card company ( XXXX between XXXX and XXXX XXXX ) and they asked for documentation of purchase. I sent them a copy of the receipt that I was given ( it was a gift from my XXXX XXXX XXXX mother ). 
I have sent many follow up emails and have not heard from them. 
I have done research and found that this is a common and known scam/fraud with this company and that they do little to resolve the matter, which is why I am asking for help in this matter.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: McCarthy, Burgess & Wolff, Inc. (OH)

I entered into contract with XXXX XXXX in XX/XX/XXXX I personally guarented some business products during XXXX XXXX 's promotional period. However, I cancelled the contract because, XXXX wireless products didn't meet my expectations. 
XXXX XXXX generated a collection bill amount I didn't agree with.I requested original contract but never recieved information. 

On XX/XX/XXXX a debt collect reached out about XXXX wireless debt collection. 
The company is XXXX & XXXX I have no buisness with company XXXX XXXX XXXX. Company state I owe them XXXX. I have no buisness with XXXX & XXXX. The debt is unreconized. I want this removed off personal credit and business credit Re : XXXX XXXX Account No : XXXX Balance Due : {$7200.00} XXXX No : XXXX The XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone XXXX Fax XXXX Proposed Settlement Amount : {$3600.00} It is my hope that you share the desire to reach an amicable resolution. 
If you would like to take advantage of this opportunity to settle your account voluntarily, make check payable to XXXX XXXX and mail to our office within the next XXXX days, or contact our office immediately to pay by phone. In the event we do not receive payment on or before XX/XX/XXXX, the offer will be withdrawn and the full amount of the account will be due and owing. 
Thank you. 
XXXX XXXX ( XXXX ) XXXX ext. XXXX This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX reported a late payment to my credit which I never paid late, requesting that it be deleted from my credit report XXXX XXXX XXXX LATE PAYMENT Credit usage 3 % Balance {$150.00} Balance updated XX/XX/2023 Account number XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed the following items that did not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am a victim of identity theft and I have been filing disputes according to the FCRA. The disputes are not being processed correctly and the FTC report is not being attached to the disputes. And I haven't gotten copies of the verification process like Im supposed to per the FCRA>
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (AL)

$ XXXX was never the amount owed. Our bank handled this dispute over XXXX years ago but its reported on the charge off date rather than the dispute date. It should have fallen off credit report and still affects our credit score. Never used this card and have travelled for over XXXX times with XXXX XXXX XXXX. Please remove from Credit report.
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$6800.00}.
Consumer complaint received 2023-09-25
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. (NV)

Recently we reviewed our credit reports, and have noticed that there is an account that is still currently being reported on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a joint account with my son XXXX XXXX XXXX XXXX This account is listed on our credit reports unlawfully. On XX/XX/2022 we petitioned XXXX XXXX XXXX Apartments in court. This account went through litigations. The judge dismissed this account. Please remove this account from our credit reports. 
I have enclosed the following documents from XXXX XXXX XXXX XXXX stating the results of the petition. I have made numerous disputes about this account, and it has not been resolved.
Consumer complaint received 2024-05-17
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: BARCLAYS BANK DELAWARE (IL)

Barclays Bank Delware made a hard credit inquiry on my credit report XX/XX/year>. It caused my credit score to lower by XXXX points. This was not authorized. I made no request from Barclaycard that would initiate a hard credit inquiry. This is a direct violation of the Fair Credit Reporting Act. They have done this in the past but I am documenting and reporting it this time. 

They made another hard inquiry on XX/XX/year> when I requested a credit line increase. I also requested credit line increases from other cards and none of them ever did a hard credit pull against my credit.

I have requested Barclays take full accountability for their actions. Remove the unauthorized credit inquiry and restore my credit score. No accountable response has been received from the company.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IL)

First off. Someone needs to congratulate me. Struggle is not something i take on as a trait. XXXX XXXX XXXX XXXX getting through immigrant family life and street life l. I bust XXXX XXXXXXXX  period. I majored in a technical program at XXXX. Not proud of my XXXX gpa but its a great thing to know im the only female to gradute that semester from that particular school XXXX  on XXXX campus. Why on earth does that cause for fraud with intent to distract me from success i dont wan na know. What id like to know is how you can further. Investigate these semesters where money was fraudulently transferred. XXXX graduate does not have me enrolled for three semesters where they are claiming i either went to their school, or they XXXXXXXX XXXX XXXXXXXX. Can someone erase the XXXX the XXXX and other XXXX and modify accordingly.