davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX an account was taken out in my name in XXXX, FL for the amount of {$5000.00}. At that time I was stationed in XXXX for the XXXX XXXX. I have never lived in XXXX. 

I filed a dispute in XX/XX/XXXX for this account and provided my military orders and an FTC Identity Theft Report. Equifax initially agreed with my dispute, added the fraud statement to my account and removed the negative information. In XX/XX/XXXX I received a letter stating that the company that now owns the closed account disputed my dispute and certified that this is my account. Equifax added the negative information back to my account before contacting me. To this day I have not been able to get in touch with the company that owns the debt and I have asked for proof that I own this account and have not been furnished. 

This negative information has the potential to derail my service. I currently hold a security clearance and bad credit is a disqualifying factor.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I deposit an check from an employer on XX/XX/21 in the amount of {$4300.00}. On XX/XX/21 I received an email from Capital One saying they froze my account and I need to call them to verify transactions. I had spoke to someone earlier that day from customer service to see why a check I did a mobile deposit on was returned. The check was from a company that hired me to do data entry. At the time I deposit the check I didn't know it was an employment scam. The person from Customer Service advised me the bank that issued the check did a stop payment. When I called the Fraud Department to verify transactions later that day they told me it was an employment scam and asked me for all the information I had on the company. I gave them the HR person name and the information I had from the USPS envelope the check was mailed it. I was advised that all my banking accounts would be closed as they would be severing ties with me. I asked why was that the case when this wasn't my fault. I had no way of knowing the company was an employment scam as everything looked legit. I was told they couldn't tell me any more information other than I would get something in the mail and that my account was considered high risk. I have never had any incidents like this in the past with Capital One. My account was never negative. My concern is they advised me I had to stop any incoming deposit. Since I used this account on my taxes my Child Tax Credit payments come in that account. Now I won't get the deposit because my account is over drawn and the IRS said I had to update my account by XX/XX/21. Since I missed that date I can't do anything about it. I also have a savings account with Capital One which I can't access the funds in. Usually if the funds aren't available in your account they will return the transaction. Since they made the {$4300.00} check available they processed my car insurance in the amount of {$240.00}. Then later that day they reversed the check and it made my account negative. Before I had a chance to even deposit any money to rectify the balance they put a hold on my account. I think it's unethical that they can close your account without any reason. Especially when it was something that I had no control over. The bank is suppose to protect their customer from fraudulent activity not write them off when something happens to them.
Consumer complaint received 2021-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION (MO)

I took this loan out with Regional Acceptance Corporation in XXXX and it was to pay off in XXXX of XXXX. I have requested a few extensions but when I look at my balance I owe more now then when I took the loan out 7 years ago. I purchased the car for {$14000.00} and to date I owe {$16000.00}. I dont understand how this is possible that i have been making payments for 7 years and i still owe this much. The interest rate of 26 % is doubling everything i originally owed.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NY)

I've recently made a dispute with cash app on XX/XX/23 with this company about XXXX unauthorized transactions. I was told just wait they'll get back to me recently I call about our times this week I finally got to speak to someone yesterday XX/XX/23 around XXXX I was told my funds will be sent back into my account XXXX minute or up to XXXX hrs from that phone call. ive been waiting by my phone to pay my bills with this funds. They told me they been have a tech issue with people cards so ill be receiving my funds soon. Today I call back about my issue and was told my issue has nothing to do with there tech problem now and my dispute was denied which I was never told any information on why. so I'm currently confused to why I was told I will be receiving my funds and ive been waiting over a month and some change why no one has told me anything about my funds that was taken out o my account. I had plans to use my money for a few emergency bills im currently having. This company talked nasty to me a hung up on me when I asked more question about the process of my dispute and evidence of the investigation. I tried handling this problem with this company for the last month and have been treat badly lately is there anything you guys can do to help me
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXXXXXX .... Balance : {$540.00} ; XXXX XXXX .... Balance : {$17000.00} ; XXXX XXXX .... Balance : {$6900.00} ; XXXX XXXX .... Balance : {$10000.00} ; XXXX XXXX .... Balance : {$5400.00}
Consumer complaint received 2021-12-13
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 have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to Experian and XXXX. As well as XXXX XXXX is also reporting falsely. They removed it on XXXX but they were not able to remove it on EXPERIAN and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 


However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have made several attempts to have Transunion validate an account theyre reporting on my credit file from XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping careful records of all actions that Transunion has taken my originals letters have made it very clear that I do not consent to XXXX  or any other means of automated verification. Several letters requesting this information was delivered and received by Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have failed to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filing a lawsuit and having a judge order Transunion to provide this information in the court of law. 

Along with this, you will find a copy of all the letters I've mentioned above I also have proof of where a Transunion employee signed and received these documents.
Consumer complaint received 2021-12-13
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: WELLS FARGO & COMPANY (CA)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. WELLS FARGO is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX violated FCRA 15 USC 1681b permissable purpose of a consumer report. showing a late payment on XX/XX/21
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

( Irregularities in order to Foreclose our Mortgage & Evict- Real Estate used as Colleteral ) On XX/XX/XXXX received " Letter of Default, Notice of Opportunity to Cure Default, And Notice of Intent to Foreclose '' in this Order. We were delinquent XX/XX/XXXX & XX/XX/XXXX payments. On XX/XX/XXXX we received letter from XXXX, XXXX XXXX XXXX, XXXX. attorney XXXX XXXX XXXX " Notice of Acceleration And Notice of Foreclosure Sale '' in this Order. According to Attorney XXXX XXXX Mortgage stated to them they already sent us A " Notice of Default and Right to Cure Default and Intent to accelerate dated XX/XX/XXXX which this statement is Not True to Facts! We have Not once received a " Notice to Accelerate '' from 21st Mortgage Corporation on XX/XX/XXXX nor a Notice in year XXXX or XXXX. On XX/XX/XXXX, 21st Mortgage mailed a " Reinstatement amount due '' for {$4000.00} due by XX/XX/XXXX. If paid AFTER XX/XX/XXXX a {$20.00} late fee would be charged. Also on XX/XX/XXXX i had already sent 21st Mortgage Corporation {$1800.00} which this amount was received and applied to my account. 21st Mortgage deceived us by accepting monies after they had already sent " Notice of Acceleration and Notice of Foreclosure Sale on XX/XX/XXXX. I, XXXX XXXX took the Reinstatement received on or about XX/XX/XXXX as 21st Mortgage giving us opportunity to " Reinstate Mortgage '' which by law must give us the Right to do so lawfully.. Instead 21st Mortgage gave us the date XX/XX/XXXX to pay Reinstatement of Mortgage which we did. At the Same Time 21st Mortgage went forward with " Foreclosing my Mortgage and Sold my property which was used as a lien. 21st purchased my real estate ( XXXX ) themselves to secure remaining balance on loan. This is unfair and business not conducted in " Good Faith ''. Trickery was used to make us think they abandon/cancelled Acceleration of Loan & Foreclosure Sale allowing Reinstatement. XXXX XXXX whom was handling our business records as 21st Mortgage Legal representative intentionally mishandled and deceived us. We had right to Reinstatement paid Reinstatement monies of {$5800.00} to Stop Foreclosure. Now we're fighting " Eviction '' because 21 st Mortgage denied/refused Reinstatement and documents filed contained Irregularities '' to obtain my property. Your assistance requested in this matter. Documents ( evidence ) is in the process of being submitted to back this complaint filed. Thanks XXXX and XXXX XXXX. This ordeal has added more stress on us this far!!
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

On XX/XX/1923 Cash app took a {$300.00} deposit sent to me stating that I made some XXXX transactions that were never received by XXXX, this caused me to receive several return fees from other transactions. 
I also contacted XXXX and they were not aware of any duplicate transactions. Cash App would not provide me proof or any additional details or let me speak to a representative and in researching this I found that they did this to thousands of people.
Consumer complaint received 2022-05-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Equifax is reporting a collection/charge off on my credit report. I've sent them several letters asking who is the original creditor. I have not received anything telling me who is reporting this negative information. I'm not even sure this belongs to me because they will not send me information regarding this negative information.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX # XXXX, XXXX XXXX XXXX, Dept of EDXXXX # XXXX, Dept of EDXXXX # XXXX, Dept of EDXXXX # XXXX, XXXX XXXX # XXXX has violated my rights XXXX 

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.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My information was compromised and I am requesting to dispute the following inquires as I did not initiate and application or initiate the following Inquires on my credit report. 

XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Personal Loan Company Inquiry Date : XX/XX/XXXX I submitted a request to dispute the inquiry I was advised the Inquires would be removed however they have not been removed from my credit report. 

Please investigate and remove fraudulent inquires from my credit report.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MN)

They stoled my Bitcoin on XX/XX/XXXX by rejecting it then send ing to my other crypto address with XXXX no one will mine so its been sitting there for two weeks as of today I have called sent plenty of emails messages and no return calls back nothing straight scam there the worse company I have ever dealt with I want my XXXX money like XX/XX/XXXX th now XX/XX/XXXX th XXXX scammers i will never do business with scam of company and i am alerting everyone about this scam of a operation I hope something happens to all the people that work there XXXX scammers like that shouldnt be breathing are air
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (GA)

Square deactivated my business account and are holding {$1200.00} of my funds for 90 days. I am a single mother this is causing me to be homeless. I only had 2 transactions and neither were over {$80.00}. This is insane to hold someone funds for 90 days. They wont communicate either
Consumer complaint received 2023-02-06
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. (NC)

XXXX XXXX ALSO KNOWN AS EASY AXXXX XXXX XXXX  IS BEING ALLOWED BY EXPERIAN CREDIT REPORTING SERVICE TO REPORT ON AN ACCOUNT THAT HAS BEEN CHARGED OFF KNOWING THAT UNDER FCRA 623 THAT THIS CONDUCT IS ILLEGAL.

HERE IS THE LAW FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures I HAVE TOLD EXPERIAN NUMEROUS TIMES THAT THIS ACCOUNT HAS BEEN CHARGED-OFF SINCE XX/XX/2021 AND THA TTHE INFORMATION BEING REPORTED IS INACURATE. THE FACT THE EXPERIAN HAS NOT REMOVED IT FROM MY CREDIT REPORT IS ILLEGAL. 

THE FACT THAT EXPERIAN HAS NOT REMOVED IT IS PUNISHISHABLE BY LAW AND IF NOT REMOVE I SUFFER FROM SUSTAINED DAMAGES.
Consumer complaint received 2024-03-10
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. (LA)

I am filing this complaint in regard to a notice of dispute I initiated with EQUIFAX. I told them I needed inaccurate information reinvestigated and they responded to me weeks later ( WASTING MY TIME! ) by saying they need to verify that it is me. I have already initiated a dispute with EQUIFAX just recently prior to this dispute so why do they need to verify that it is me. I have reason to believe that this attempt is a stall tactic. I want the accounts in question promptly reinvestigated immediately. I have very important things to do, and I will not allow EQUIFAX to intercept that. Per 15 USC 1681i ( a ) CRAs are required to do a 30-day reinvestigation upon notice promptly. This company was already provided with proof of ID.
Consumer complaint received 2021-12-13
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: JPMORGAN CHASE & CO. (CA)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and XXXX. As well as JPMCB CARD is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2019-11-23
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY (NV)

Acknowledge instrument notarized signed by XXXX, money order but not accepted to be deposited by manager XXXX? business banker XXXX. Account closed in that same day.Failed to sign treasury account form gave me the run around about a format I was supposed to use. Account_Number : XXXX last four social XXXX
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (PA)

Hello, Cashapp closed my account unexpectedly without explanation. I tried numerous times to find out why, but cashapp wont help. 


My cashapp username name is XXXX  XXXX, and my name is XXXX XXXX.