davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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: EQUIFAX, INC. (MD)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (NY)

My name is XXXX XXXX I am a Square User with email address XXXX This company is holding my funds since XX/XX/XXXX and is claiming that they are using section 12 of Square payment Terms to hold my money and in this letter I will explain to you why this section doesn't come in as to my case. 

Going through section 12 of Square Payment Terms, it reads the following " You may not have access to your funds if your Square Account is being investigated, youre involved in a dispute, or for legal reasons ''. 

This section mentions about 3 things here which are : 1. Accounts XXXX investigated for high risk transactions 2. Disputes 3. Legals Reasons Explanation Why I haven't breached Square section 12 Payment Terms are ; 1. The first Square payment terms in section 12 talks about investigation for high risk transactions. In my own case, my account is deactivated and a period of 90 days hold policy to cover chargebacks in case of any was placed on my account. Since then there is no transactions coming in to be seen as high risk. 
My account has also been on hold with Square for over 12 months and all my funds are intact, then it means there is no risk to be investigated. 

2. In terms of Disputes, I want to draw Square attention that all the disputes in my account were finalized and closed many months ago and as such, Square doesn't supposed to hold my funds in pretext of saying they want to cover chargebacks. 
3. There is no legal case in regards to my Square account. 

Square also mentioned that card payment agreement doesn't allow them to release my money to me in case f disputes I want Square to know that Fair Credit Billing Act of XXXX The Act states that creditors are to give consumers 60 days to challenge certain disputed charges. 

In regards to my case, it's over 9 months Square has held my funds and all disputes on my accounts were finalised and closed months ago, and there are no further chargebacks XXXX on my account. 

Hence I do not see reasons Square should hold my funds till this time. 

In section XXXX of Square payment terms, it says Square has the right to terminate and close account and section XXXX of Square payment terms explains what Square would do when accounts are closed. I will quote the section XXXX Section XXXX of Square payment terms says : " XXXX of your Square Account will cancel any pending transactions. Any funds that we are holding in custody for you at the time of closure, less any applicable Fees, will be paid out according to your payout schedule, subject to the other conditions in these Payment Terms ''. 

It says any funds that SquarXXXX are holding would be paid to account owner after investigation. And Square has stated that the investigation means chargebacks and other disputes. 

In my case, there is no current active disputes or chargebacks and I deserve to have access to my money held by Square. 

I want Square to release my money immediately and tender an apology for holding my money for over 12 months
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-02
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. (OK)

Report number XXXX & date XX/XX/23 Report number XXXX & date XX/XX/23 in violation of the hero 's act which states : The COVID-19 pandemic has caused extensive and growing impacts not only on the public health and well-being of millions of Americans, but also significant economic harm as well. 
Through no fault of their own, millions of Americans are unable to make payments on credit cards, car loans, or even their mortgage or rent. 
Under CARES, consumers have to rely on the willingness of creditors and servicers to agree to forbearance or other payment arrangements in order to be protected by the new law. 
The Heroes Act replaces the CARES Act provision with much stronger consumer protections. The Heroes Act ( Section 110401 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.

Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic.

Bans COVID-19 medical debt reporting, in particular any debts relating to COVID-19 medical procedures or treatments. Consumers impacted by the staggering costs of medical care should not face diminished credit options due to getting sick in a global pandemic. 
# # # The Heroes Act ensures that these innocent consumers are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to get affordable credit or even a job.
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (NV)

I have been receiving threatening emails and login-pop ups about negative credit reporting to my bureaus if I am unable to make my account current as I believe at the time was 30 days late. I saw on Bridgecrest 's website that they offer an extension where I can roll my XXXX payments to the end of my loan making me better than current. I applied and was told it would be decided in XXXX hours, that didn't happen. I kept calling all of last week and over the weekend and to final avail, nearly a week after asking for it, I am told WITHOUT REASONING it was denied and now I am late. I was assured over the phone that my credit bureaus will not be touched by Bridgecrest hopefully on all recorded phone calls. 

Today I received some rep who was very confusing to speak to and kept making demeaning statements to me and then kept saying " yeah '' after everything. The frustration and lack of understanding led me to terminate the call and to seek the CFPB 's help in finding out why I am being discriminated against.
Consumer complaint received 2023-10-02
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: U.S. BANCORP (IL)

i have been charged for almost XXXX XXXX in charges. i have told US bank that these charges are not valid charges they refuse to even ask these companies to provide proof, i have filed a police report and have asked numerous times to dispute these charges. i have entrusted this bank with my money and they have not followed any laws and denying my legal rights. these charges are fraudulent and i want my money returned to me
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XX/XX/2023 Comenity Bank/BRYLNHOME Comenity Bank/JCREWINC Comenity Bank Express Comenity Capital Bank Comenity Bank , XXXX XXXX XXXX, XXXX, OH XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I recently ordered a new credit report and noticed it contains late payments as well as collections reported as late as XX/XX/2023 for my J. Crew, Express, as well as XXXX XXXX XXXX account. I want to also mention that I have since paid off these obligations. 


I want you to know that I understand my financial obligations, and if it werent for certain circumstance such temporary unemployment and having to choose whether to make my card payments or feed my family, in which caused me to miss Id have an excellent repayment record. I made a mistake in falling behind, however, again I have since satisfactorily paid off these accounts and have maintained good money management. So much so that, since then, Ive had a spotless record of on-time payments. 

Im planning to apply for mortgage in the next month or so and its come to my attention that these accounts are currently reporting as derogatory on my credit report in turn affects my ability to qualify. It is my idea that, my failed commitments in the past does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the derogatory status on the above said accounts. 

Thank you for your consideration, and I hope you will approve my request. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

Monday, XX/XX/XXXX, a company named XXXX XXXX XXXX XXXX, took out {$80.00} from my cash app account. I immediately alerted Cash App but as expected they could care less about consumers and cater to the fraud/ scammers and thieves. After searching this XXXX XXXX business I come across their information on the XXXX ( not accredited ) and I was able to get a contact email. 

I emailed asking them to refund the money they fraudulently stole from me immediately. The customer service person responded and provided me with some information as to an insurance policy. They were trying to use deception by accessing my personal insurance as well as manipulate the documents. It was so obvious I really did not have to run the documents provided to see the original documents but I did anyways : my hopes were to prove to cash app that this company is a scammer and has access to my identity. Moreover, forging my signature on documents as if I were to coward down and allow them to get away with it : However, cash app didnt respond and after I called XXXX XXXX  out on, a forged document, identity theft and stealing money from my account, the responses I got was, we understand your confusion and to make it right we will send you a check via mail with your address we have on file Ive been dealing with identity theft, fraud and just about everything that comes with the storm since XXXX. Non stop, letters, denials, attorneys, trauma and the list goes on. I really just want to be left alone so I may finally heal and find/ build my own personal identity for once. 

It never ends, and I am wondering is this living even worth it anymore? Creditors dont believe me, reporting agencies could care less, third party reporting companies are just as worthless with so much information that is not me. No one listens.
Consumer complaint received 2024-04-04
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 looked at my report back on XX/XX/2024, and noticed some things, are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ ( XXXX XXXX XXXX  XXXX & [ XXXX XXXX XXXX ], & XXXX XXXX XXXX are not complete and accurate, Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts is not a Accurate.
Consumer complaint received 2023-10-02
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MN)

I purchased a XXXX XXXX XXXX ( VIN # XXXX ) in XX/XX/XXXX. I never received the title. I spoke to Kia after the odometer paperwork was filled out and they said they sent it. Yet, I never received it.

I went to the DMV with the Bill of Sale and was informed they needed a title.

I contacted Kia again and they sent me a letter stating they no longer had an interest or title of the car.

I returned to the DMV and they informed me I still needed the title.

I contacted Kia again and they said I needed to request a duplicate title from the DMV.

I went to the dealership and they suggested asking Kia for a duplicate title or returning to the DMV.

I returned to the DMV and they said the title is still in Kia 's name so Kia needs to provide the title. 

I am now one year in after paying nearly XXXX for a car and Kia has yet to provide me a title.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (CA)

I took out a personal loan from XXXX XXXX XXXXXXXX i paid it off 3 years early and closed account last year, yet they continue to falsely report i have a open account with a massive balance all FALSE AND FRAUD, today when i spoke to a service rep. she admitted they are trained to mislead, delay, make false statements, as if customers like me pay off early the company loses % % % funds. 

She admitted they have been lying and filing false information to all the credit reporting agencies. I have complained to them several times and was told i need to file with your agency
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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 of - ( 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXX )
Consumer complaint received 2023-10-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (TX)

On XX/XX/2023 I reached out to XXXX XXXX agency who was in charge of collecting the debt for XXXX XXXX. The responded XX/XX/2023 providing copy of last statement from XXXX. I then replied on XX/XX/2023 with proof of payments made, proof of myself the consumer closing the account and transferring to another provider. I also advised XXXX that the statement was showing they were trying to bill me for another month of service when my account was closed and transferred on XX/XX/2023. In addition, I provided this information to XXXX, XXXX, and XXXX. On my credit report the debt is being listed under XXXX not the collection company. I sent proof of payments, proof of closing the account and transfer with XXXX to the credit bureaus disputing this inaccurate debt. I submitted disputes to XXXX on XX/XX/2023 and again on XX/XX/2023. I submitted a dispute with XXXX providing proof of payments and proof of closing the account as well as transfer to XXXX on XX/XX/2023 and again on XX/XX/2023. I submitted disputes to XXXX on XX/XX/2023 and XX/XX/2023 providing proof of payments and proof of closing the account and transferring to XXXX on XX/XX/2023. All results from each credit bureau is only reflecting account being updated. They have not removed the account under FCRA when proof has been provided showing is being reported erroneously to my report. In addition, I on the same dates for disputing I disputed several other accounts as well providing documentation that I reached out to the creditors of XXXX XXXX and Open Sky that the balances being reported were inaccurate. The credit bureaus are failing to remove inaccurate debt from my consumer report per the FCRA guidelines. As well as while a full investigation is being done removing the debt from the credit report is not being done. In addition, a full investigation is not being done. They are allowing inaccurate debt to be put on a consumer report even after proof has been provided that the debt.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

After reviewing my report, I noticed that this account is still on there, and it was supposed to be deleted. I further notice that the information that is reporting on there is incorrect and not accurate at all. 

Account was paid off in full, but they didnt state that it was paid. This account was to be completely deleted. It not showing not the report a few month ago Now it is back on was also supposed to be deleted. 

I have also noticed that it states that the company claimed this as a loss of assets which means they receive compensation for it and now its trying to make me pay again to receive double compensation which means this is a fraudulent claim.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

Multiple times in the last few months someone has tried to open credit cards in my name at different credit companies. This includes Chase, XXXX XXXX, and a company called XXXX. I have my credit reports locked and have multiple fraud alerts set up so I usually call the co.pany to inform them of the fraud. But there needs to be a better system. There should be a way to set up a block so someone will be immediately rejected from opening a card in my name. And the credit card companies shouldn't be asking me for more personal data when I call to report the fraud. My information was stolen from XXXX of these supposedly responsible companies to begin with and I don't trust giving them any more of my data! And yet they all insist on asking for my social security information!! And these companies won't give me any information on who may have opened the application, how or from where!! 
I do know that whoever has this information is located in the XXXX XXXX because they keep trying to break into my email from that country when this occurs. I can track that attempted access.
Consumer complaint received 2023-04-20
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: CITIBANK, N.A. (FL)

Someone stole my personal information and opened a credit card at CITICARDS CBNA and another credit card at XXXX in my name. As soon as I found out in XX/XX/2023, I immediately called all three credit bureaus, as well as the Federal Trade Commission, to report the theft of my personal information and dispute these credit cards. After investigating, I received a report from XXXX stating that the disputes with CITICARDS CBNA and XXXX were not changed as a result of their processing of my dispute. The companies that reported the information have certified that the information is accurate. This is a false statement. I have not received reports ( still waiting ) from the other credit bureaus and FTC yet.