davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

On XX/XX/2021. My debit card through Square had its information stolen. My card was then used to make five very high dollar amount purchases at two retail stores, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. The amounts were ; {$710.00} - XXXX XXXX XXXX {$100.00} - XXXX XXXX XXXX XXXX  {$690.00} - XXXX XXXX XXXX  {$420.00} - XXXX XXXX XXXX XXXX {$670.00} - XXXX XXXX XXXX For the past year, I have consistently reached out to square every few weeks for hopes of them to resolve the issue. I have never received any resolution to the problem. I have spoken to over 20+ employees in regards to the funds missing. I have done everything they have ever asked of me ( including allowing them to freeze my account around 2 months ago for 10 days to, investigate my account ). Every employee just states, sorry this happened to you. Ill reach back out. I have never had anyone reach back out to myself. I have never received an email from them in regards to how this manner will be solved. In any professional opinion, they have not tried to solve this problem. 

Up to this point I have; -Cancelled the card immediately after the information was stolen and the funds were taken ( per their recommendation ) -Called every business ( XXXX XXXX XXXXXXXX, Square and XXXXXXXX XXXX XXXX XXXXXXXX ) to figure out how these orders were able to go through. 
-Called each business ( XXXX XXXX  XXXX, Square and XXXXXXXX XXXX XXXX XXXXXXXX ) to ensure once my card was cancelled, that the orders would not go through. 
-Called every 2-3 weeks to receive updates on my disputes.

-Frozen my account so they could investigate. 
-Emailed the company multiple times for a resolution. 
-Posted on the Companies XXXX XXXX to see if I could get some sort of response from them. 

This has caused me such great distress and anxiety Ive had to receive medical help. This is a great amount of funds for a small business to be missing and for no one to do anything about it.
Consumer complaint received 2023-09-30
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. (IA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I made many attempts to ask for proof of debt and verification of identity used. 
Proof of Debt : Copy of original contract or Contract I have with debt collector Proof of Indentation : Copy of my ID and/or SSN card I want to verify where and how this was able to furnish to my credit report without my involvement or consent. And what makes me liable to pay this debt for whatever reason and if I maybe a victim of ID theft! Company just claims its verified without proof of debt or transaction I have or not have with them. 
Company has be contacted by Customers reporting agencies, XXXX  and directly. And has not provided proper documentation to resolve or has not removed this claim from my credit report.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

MY INFORMATION WAS BREACH FROM CAPITAL ONE CREDIT CARD I HAVE BEEN BEGGING TO HELP ME I CALLED THEM HOW AND WHAT HAPPEN FROM {$3000.00} BECOME ALMOST {$9000.00} I TOLD THEM I HAVE NOT USED THE CARD I HAVE NOT APPLIED FOR GYM MEMBERSHIP OR NOT APPLIED TO ANY TELEVISION SHOWED EXPLAINING IS NOT ME I DO NOT KNOW THE END OF THE YEAR AFTER FOUND OUT THAT I AM ONE OF SETTLEMENT MEMBER AND PROVIDED PIN NUMBER SIGN UP TO IDENTITY.DEFENSE AND XXXX AFTER THE COURT WAS RULE CAPITAL ONE CREDIT IS RESPONSIBLE FOR MILLIONS OF MEMBER INFORMATIONS WAS BREACH AND FOUND IN THE DARK WEBB INCLUDE MY INFORMATION TILL TODAY CAPITAL ONE CREDIT NEVER ASSISTED ME IGNORE MY CONCERN NEVER OBLIGATED TO BE RESPONSIBLE FOR WHAT HAPPEN CAPITAL ONE NEGLECTED ME AND LET THE COLLECTIONS HARRASSED ME EVERY DAY FOR THE AMOUNT THAT NEVER OWED MY CREDIT SCORE FROM EXCELLENT TO POOR NOW BECAUSE THIS STRESSFULL INCONVENIENCE FOR ME I WORK EVERYDAY AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE NOT EXPECTED THIS TO ME HOPING NEVER HAPPEN TO OTHERS I BEG FOR HELP NEED HELP TO BRING BACK MY IDENTITY TO NORMAL. PLEASE LET ME KNOW MY NEXT STEP I AM EXHAUSTED EMOTIONALLY PLEASE HELP ME... I WANT MY EXCELLENT CREDIT SCORE AND TO BACK NORMAL I DO APPRECIATED AND THANK YOU IN ADVANCE ALL MY INFORMATION IS OUT THERE NOT KNOWING WHATS NEXT PRAYING TO GOD NO MORE CAPITAL ONE NEGLECT ME NEVER HELP ME NEVER GAVE ME THE RIGHT EXPLANATION THAT I DESERVED.
Consumer complaint received 2023-09-30
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)

Experian has allowed XXXX XXXX to remain on my account as a negative item with no documentation or proper records and refuses to remove this. I have given explanation as to why - no knowledge and no, this account is not mine. It is sitting with someone elses name ( XXXX XXXX ) who I do not know, nor have I ever shared an account with anyone by this name. This needs to be removed. The company never provided actual documentation or evidence to support this account and experian allowed it to remain and gave a generic statement when this was disputed previously.
Consumer complaint received 2023-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TapTap Send Inc. (FL)

Date : XXXX XXXX XXXX am XXXX USD I try to transfer money to my account in the philippines but the transaction doesn't went well successful.It has been XXXX and I did not receive it its still pending.The customer service kepts on telling me that there is a technical issue. But when I try to send money again to check if there is really a problem it went well successfully.There delaying my transaction.The agents thay they have is not helping me.They couldnt even give me a clear answer and solution to my problem.I ask for a refund but they could not give ot back to me.
Consumer complaint received 2023-09-30
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. (DC)

Delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-30
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instruction
Consumer complaint received 2023-08-12
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (VA)

On XX/XX/2023, I reached out to Cash App to dispute a charge that I made on my card. 
( I reached out the XXXX several times via phone and email to no avail ) On XX/XX/2023, I received a notification from Cash App that the dispute was denied due to the merchant rendering the services provided. 
On XX/XX/2023, I requested the documentation that was used in the decision. When I received the documentation, the transaction stated that this was a rent payment, which is incorrect. 

The transaction was an administrative fee to hold the apartment for a complex that I was applying for. My application was denied so I contacted the apartment complex to refund the administrative fee that was paid to hold the apartment. After reaching out to the apartment complex and management company of the complex both via email and phone and not receiving any answer, I contacted Cash App since the transaction was made on the Cash card that I hold with the company. Cash App has denied my dispute and the reason they have given for the denial does not match the circumstance.
Consumer complaint received 2023-09-30
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. (FL)

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. 

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 an 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 XXXX 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 2024-04-03
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. (MS)

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 3rd party. They in fact did not come from a 3rd 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 2023-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

On Friday the XXXXXXXX XXXX XXXXXXXX, i filed a complaint to Wells Fargo about a scam I was part of. I was looking around for a dog that I wanted and I found one on this website. The website is known as XXXX XXXX XXXX I had messaged this person asking for information about the dogs he was selling and he was asking me questions about my lifestyle and such. I had then agreed with him to purchase the dog and that would include airfare as well since the dog was not from my state. He sent me proof of his breeding license and his ID so I thought it couldnt be fake. I had also gotten proof of purchase as well with both of our signatures. I also received many pictures as well of the puppy. I then realized later that he had taken XXXX dollars and I was out money and a dog then had sent me to a transportation company that took more of my money adding up to a total scam of XXXX all together. The transportation company took XXXX for a thermal crate because on the day I had bought the dog, it was hot outside. The company for the transportation company is : XXXX XXXX XXXX I then asked for a refund from from wood transport and they wouldnt give it to me until the puppy showed up and they then tried to get more money from me for asking for another XXXX dollars for paperwork for the puppy and threatening me saying if I dont purchase this and that, they would report me to whoever. I then reached out to Wells Fargo right away and they then told me that the payment was processed as requested and no errors occurred. They never reached out to ask me more information about the scam when I had told the original person who I was talking to on the phone I had proof of everything. I had been waiting for them to call and email and I gotten nothing in return.
Consumer complaint received 2023-09-30
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: KEYCORP (PA)

These inquiries are unauthorized. 

KEY BANK XXXX XXXX XXXX XX/XX/2023 KEY BANK N.A. XX/XX/20XX/XX/2023
Consumer complaint received 2023-09-30
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: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX Report of Fraud Dispute With Chase Bank In XXXX of XXXX I discovered that my Chase credit card had been fraudulently charged to an XXXX account on a ongoing basis from XXXX. I identified the charges by comparing my bank statements with a list of transactions from my XXXX account. I found 107 charges on my credit card that I did not make and did not appear on my XXXX account transaction list. The charges are listed and attached. 

All of the charges were made to Chase # XXXX. That account number was closed by Chase ( without explanation ) in XX/XX/XXXX and replaced with # XXXX. Fraudulent charges to XXXX made on XXXX continued to be paid by Chase from my XXXX account through XX/XX/XXXX even though XXXX was closed. 

A fraud report was made by me to Chase. They claimed to have investigated and determined that all charges were legitimate. I asked them to reopen the investigation which they did and they came to the same conclusion. I then contacted XXXX and asked them to investigate one of the charges selected at random. They determined that the selected charge was indeed fraud made by someone else using another account shipping the product to another location ( see attached email from XXXX ). I asked Chase to reopen the investigation in light of this new information from XXXX. They reinvestigated and determined that the charge was legitimate. 

I believe that Chase is not acting in good faith. They are claiming that charges that are clearly fraudulent are in fact legitimate. They give no explanation for their conclusion and they do not report what they did to investigate.
Consumer complaint received 2023-09-30
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX 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 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Subject : Dispute and Resolution Request Incorrect Reporting by Credit Reporting Agencies for XXXX XXXX XXXX : Personal Loan ACCOUNT NUMBER XXXX To Whom It May Concern, I am writing to formally file a dispute and resolution request regarding inaccurate reporting by credit reporting agencies, specifically related to a debt cancellation event supported by a 1099-C Form. This dispute centers around an account for which I have received a 1099-C Form for the cancellation of debt from the bank that identifies itself as the loan servicer. However, the outstanding balance on this account has not been correctly reported as zeroed out, despite the debt discharge. 

Account Information : Company : XXXX XXXX XXXX Account Holder Name : XXXX XXXX Account Number : Personal Loan ACCOUNT NUMBER XXXX Date of 1099-C Form : XX/XX/2023 The issuance of the 1099-C Form by the bank that claims to be the loan servicer signifies the cancellation of the debt associated with the aforementioned account. However, credit reporting agencies have not accurately reflected this significant event in their reporting. I believe that these agencies need to demonstrate a good faith effort to display the XXXX balance as the debt has been duly discharged. 

Enclosed with this complaint is a photocopy of the 1099-C Form for your reference. It provides clear evidence of the cancellation of debt associated with the account in question. Therefore, I respectfully request that the CFPB intervene to facilitate the following resolution : Resolution Request : 1. Immediate Removal or Correction of Reporting : Credit reporting agencies must promptly remove or correct the reporting of the account in question to accurately reflect a XXXX balance, consistent with the debt discharge as indicated on the 1099-C Form.

2. Cease Negative Reporting : Credit reporting agencies should cease any negative reporting associated with the discharged debt, including but not limited to late payments, defaults, or other derogatory remarks related to this account. 

3. Confirmation of Corrected Reporting : Credit reporting agencies must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a XXXX balance and that negative reporting has ceased. 

I firmly believe that this dispute and resolution request will lead to a fair and accurate resolution of this matter. I kindly request that the CFPB investigate this issue and ensure that the credit reporting agencies comply with the applicable regulations and guidelines governing accurate and fair credit reporting. 

Thank you for your attention to this matter, and I look forward to a swift and accurate resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

On XX/XX/XXXX I made a mortgage payment via the payment portal on the XXXX website. 
The payment was due XX/XX/2023. 
The payment should have broken down as follows : Principal & interest : XXXX Escrow : XXXX Additional principal : XXXX This is a simple payment made via the bank 's website payment portal. I didn't request anything out of the ordinary. 

The follow day the bak applied the entire payment to principal. 

This is the 5th time this has happened. 

I'm not sure why this bank insists on not applying payments properly, but it appears they are attempting to make me late on payments and default on the loan. I'm not sure what other conclusion can be drawn after continuing to make payments in a timely manner and continuing to have them misapplied. This is intentional. It is intentional fraud. It is intentional theft, and I will not STOP until Fifth Third bank is out of business.