davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TX)

Refer to XXXX & XXXX. 

I've requested my LexisNexis both online and in the mail, making sure that I have provided all the identification information that they require to provide me with my profile. Once again, I got their canned letter saying that they could not properly identify me. 

I received an adverse letter based on my LexisNexis profile and, once again, completed the LexisNexis online ordering platform, which was the recommended way to order my profile and identify myself. 

Once again, I got their canned letter saying the same thing : I did not provide them with enough information to properly identify myself. 

I have provided LexisNexis my driver 's license, US passport, SSN card, utility bill, and a copy of my lease agreement, and yet Lexis Nexis still claims that it can not provide me with my copy of my profile, which I'm entitled to pursuant to the FCRA. 

XXXX, XXXX, XXXX, and XXXX have no issues sending their profile to me on the first try.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I received a letter from Equifax dated XX/XX/2024 stating that they were going to investigate my dispute about the hard inquiries with those companies and send me the documents that they were going to obtain from those companies within 30 days and since I had not received any follow up letters or documents as of XX/XX/2024 I called them to check the status of the investigation to find out that is was closed on XX/XX/2024 the same day the letter was dated whick I received claiming they were doing an investigation. I found that to be odd that the letter was dated the same day the investigation was closed ( XX/XX/2024 ) and it was closed after they told CFPB they were still working on the investigation according to the updated status email I received from CFPB on XX/XX/2024. I asked the supervisor I was speaking with to give me the name of the companies they got their information from and he stated it came from the CFPB report via U.S. mail along with FTC report. So they never did an investigation with the companies as I was told in writing they were going to do and within 30 days and then send me the information obtained. He also stated that my dispute was closed with them Equifax because it was denied by the FTC. I asked how could an investigation be closed on XX/XX/2024 if the reports were mailed to them by XXXX mail. So, I would like to know if you the CFPB mailed them these reports express mail? Because my complaint was closed within a few days with Equifax of my complaint being opened with the CFPB? I told this supervisor after he told me to open another dispute with FTC that I will not open another dispute that will take additional time when they did not properly investigate my complaint according to federal law and no response was given to me in writing according to Federal law either that my claim had been closed. To clarify this complaint here are my concerns of being consumer rights being violated and ignored by Equifax : 1. Who is the individual on the back end team as stated by the supervisor that investigated my complaint and what are the names of hard inquiry companies this investigator obtained information from? When was I to receive those documents in writing?

2. Why I never received a written response informing me the investigation had been closed as of XX/XX/2024 clearly past 30 days as of XX/XX/2024 when I called them and why there is no record of any letter in their system.
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MI)

I have almost {$6000.00} on my cash apo card I have deposits made and I sold a car and the person sent payment via cash app now my card will not work my money is stuck on my card and nobody will respond to me
Consumer complaint received 2024-04-24
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-04-24
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction with the recent handling of my dispute case involving an error with transactions in my checking account. Despite assurances from your representative during a recorded call that my account would be credited within eight business days, I am now facing an unexpected and unwarranted account restriction. 
This action directly contradicts the federal law, specifically 12 CFR Section 205.11, which clearly mandates that customers should have full access to their funds during the investigation period. Additionally, Fifth Third Bank 's own policies emphasize compliance with all federal laws and guidelines, including 12 CFR Section 205.11. It is disheartening to experience a blatant violation of these regulations : Consumer Liability for Unauthorized Transfers : Electronic Fund Transfer Act - Regulation E Error Resolution Procedures The financial institution may take up to 45 calendar days ( Section 205.11 ( c ) ( 2 ) ) to complete its investigation provided it : Provisionally credits the funds ( including interest, where applicable ) to the consumer 's account within the 10 business-day period ; Advises the consumer within 2 business days of the provisional crediting ; and Gives the consumer full use of the funds during the investigation. 
I am particularly troubled by the fact that this restriction has been imposed without proper justification or adherence to consumer rights protected under 12 CFR section 205.11 ( c ) ( 2 ). As a working professional with limited availability during banking hours, this situation has placed an undue burden on me, preventing access to essential funds and hindering my ability to manage financial matters promptly.
Consumer complaint received 2024-01-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC (TX)

I received an email with the words " duplicate '' complaint and my complaint was closed. My husband and I then read the same " duplicate '' complaint under his email and his has closed as well! THIS IS NOT A DUPLICATE COMPLAINT!!!!!! This agency erroneously closed a complaint against quicken dba Rocket Mortgage LLC, when no other complaints are listed!!! I have reported this to the ombudsman office and will continue to do so as this complaint SHOULD HAVE NEVER BEEN CLOSED. All you did was allow Rocket Mortgage to do what they keep doing!!!! This is very close to what the judge decided when there was clear evidence rocket mortgage defrauded customers and like street criminals they say and do whatever it takes to get money in their hands!!!!!
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc. (TN)

this complaint is against Cash app ( All-Square inc ) owned by XXXX XXXX XXXX. 

during the 15 months of using Cash app. NONE of my cash out funds entered into my account. Upon inquiring, there was a different bank routing # listed for a bank in XXXX NE. I emailed Cash App ( can only contact them thru email ) explained that none of my cashed out funds where found. Amounts : XXXX, XXXX, XXXX, and XXXX total XXXX. 
The Cash app rep explained they would look into the matter and comply. 
before I could get a straight answer from this company.. Cash app, sent in a claim XX/XX/XXXX against My XXXX  XXXX XXXX Account for the EXACT AMOUNT THEY OWED ME!!! 
transactions : ACH Claims Debit All-Square Inc XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX ( amounts XXXX XXXX ; XXXX ; XXXX ; and XXXX
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (MD)

Unfortunately, I was a victim of Identity Theft in XXXX. I didn't find out until mid XXXX. I had a Fraud Alert attached to my Credit File when I noticed I was a victim of Identity Theft in XX/XX/XXXX. After checking my Credit Files, I noticed I had some erroneous charges and accounts that were fraudulently added to ALL of my Credit Files. I am attaching a copy of my Identity Theft Report to validate my claim. 

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Unfortunately, my personal identifiable information was compromised and used to open 2 fraudulent credit card accounts. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report to have these 2 accounts removed from my credit file by this Creditor. There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXX ) These accounts need to be removed immediately.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I called Credit Acceptance two weeks prior to talk about my account. The representative coaxed me into putting my account on a 6 month payment arrangement. Making payments every two weeks, knowing my account was not past due nor was any of my payments late. The representative told me that my credit would not be affected that my account would stay in positive condition as longs as my payments are paid on time. Now its reporting to my credit file as late payment.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX Scam in checking and saving accounts totaling XXXX. 
Claim : I sent money to one of my subleases ( XXXX XXXX ), who was supposed to take over my sublease in XXXX. However, the imposter claiming to be her claimed that she sent cheques to my apt building by accident as it was supposed to be delivered to her address. Thus, I sent multiple XXXX transactions to the request numbers. Out of all the transactions they were only able to recover {$3000.00} out of {$12000.00}. 
The representative that I contacted today stated that the only thing they can do is contact the recipient bank to get the accounts back, but banks have been refurbishing customers for imposter scams. I'm not sure where if they even have an option for refurbishments related to scams. 
Date of fraud reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Research Completed : The claim was not approved and only partially refunded XX/XX/XXXX : Research Completed Claim was not approved and was unsuccessful in recovering funds XX/XX/XXXX : Research Completed, the claim was not approved and funds were not reeovered. 
XX/XX/XXXX : XXXX was not approved but will attempt to reach out to the bank XX/XX/XXXX : XXXX was not approved but will attempt to reach out to the bank There is one more attachment but I was unable to view it in my email ;
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2020-04-30
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)

Before I could direct the funds elsewhere, by the time the IRS released the " get my payment '' tool they had already disbursed my stimulus funds into my cash app account. I'm on day XXXX now and I still can't cash out or access the money in that account. Support is nonresponsive. Every time I try to access my money it says " We've detected unusual activity. To protect your funds we've temporarily locked your account. ''
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (OH)

First Federal Credit Control # XXXX I'm unaware of this debt and did not receive proper notification. If you believe proper notification was provided please provide the Certified Mail with Receipt with my signature. Otherwise please DELETE ASAP. 

Please remove this account off XXXX, XXXX, and XXXX
Consumer complaint received 2024-04-24
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)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-01-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (SC)

Jefferson Capital Systems [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Jefferson Capital System, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that XXXX XXXX XXXX has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. 

Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. 

This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. 

In addition to federal law, I want to highlight relevant sections of XXXX XXXX state law. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. 

Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. 

I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. 

I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Jefferson Capital Systems promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA.

Additionally, I expect Jefferson Capital Systems to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. 

Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Jefferson Capital Systems XXXX as provided under Section 616 of the FCRA. 

Done in good faith.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: COMMERCE BANK (MO)

In accordance with the Fair Credit Reporting Act, Commerce Bank, has violated my rights Under 15 USC 1681 Section 6O2 states I have the right to privacy 15 USC 1681 Section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USACS 1666B A creditor may not treat a payment on an credit card under an open-end consumer loan as late for any purpose.
Consumer complaint received 2024-04-24
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. ()

Upon examining my credit report, I found inaccuracies in certain pieces of information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative that the three credit bureaus verify these accounts. Failing to validate these reporting accounts within the legally specified timeframe without presenting evidence is not permissible. The following accounts, which are listed on my credit report, require investigation and correction due to erroneous reporting. 
XXXX XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX Balance : {$370.00}
Consumer complaint received 2024-04-24
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)

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 XXXXXX/XX/year>