davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Due to the XXXX versus XXXX court case all records of my student loans were to be taken off my credit reports by XX/XX/2024. TransUnion has refused to remove these from the report. Attached you will find the letters confirming I am part of the court case and that these accounts were to be removed from all my credit reports.
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

In XX/XX/2023 there was 'suspicious activity ' in my Square account. I contacted Square and they stated they 'closed " the savings account that was opened by a hacker and I reset my passwords. 

Since XX/XX/2023 Square will not transfer my {$640.00} balance of sales from credit card transactions. I used the Square reader to swipe credit cards for services. The transactions are attached and detailed as well as my bank statement that shows the last deposit from Square was on XX/XX/2023. The following is a list if missing transfers to my bank account : XXXX XXXX {$110.00}, XXXX XXXX {$95.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$45.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX {$95.00}, XX/XX/XXXX {$60.00}. 

Every time I call Square I get a different excuse why the funds will not transfer. Most recently they tell me I have to link a bank account to the Savings Account that I did not open or authorize. I argued with them regarding this, but if it meant I can get my money, I went ahead and tried to link an account and keep getting an error message that I can not link a bank account to this Square Savings. Therefore, it is a catch 22, I can not get my funds until I link an account to the savings ( that I did not open ) and I can not link an account to the savings. 

Meanwhile I have been on the phone, emailed a complaint and my balance still has not transferred.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Protection Association, L.P. (AR)

COLLECTORS ROBO CALLING ME 16 TIMES AFTER CEASE COMMUNICATIONS AT AUTOMATIC STAY IN BK XXXX. I HAVE SCREEN SHOTS AND ROBO CALLING VOICE RECORDINGS ... MY WIFE AND I.
Consumer complaint received 2022-05-25
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. (GA)

I filed a complaint with all credit bureaus via mail and CFPB XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below and verify the accuracy or delete the accounts. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Accounts : XXXX XXXX, XXXX XXXX This issue is well beyond the 30 day mark and if these accounts don't get deleted immediately I will be taking legal action, this is considered a federal crime.
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (OK)

Ok here 's the deal I have been having a major issue these last few years with cashapp just straight up keeping my money. They have stolen about {$5000.00} from me I'm the last three years or so. I lost proof to many of what I'm saying but I have emails going back around two months or longer where someone sent me XXXX for some items I had for sale and cashapp won't deposit the money to my account.i have sent around {$200.00} dollars in there so called fees to receive the money but still they are constantly coming up with excuses and steadily trying to get more money for so called fees and such .I have asked them numerous times about the money and it's always immediate after I pay the fee that they will deposit it but I send the fee and still no money deposited to my cashapp as promised.like I mentioned early on I have lots of emails from them with are entire conversations.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I've had issues with this bank before, but given that they're a reputable bank with a branch near my office, I decided to give them a second chance. Opening an account was relatively painless after submitting my government-issued identification and other information. It was only after I had opened the account and deposited my first paycheck that I randomly started experiencing issues. 

First, it started with being unable to log into my account, which I'd been able to do since opening the account. Then, it was an issue of not wanting to download the app on my phone so requesting their personal security device. Then it was an issue of my PIN change not being recognized despite the correct steps I'd taken to have it changed to a number I can actually remember. 

The last straw was when I deposited my first paycheck. I'd been XXXX  for a long time, and I finally found a job. When I went to deposit my first paycheck, it accepted my ATM deposit and then when I tried to log into my account to pay bills, I was locked out of my account. I'd gone to the bank branch and experienced horrible customer service despite being a Premier account holder. 

After no less than six times of visiting the bank branch and calling customer service to try to resolve the issue despite having no time due to starting a new job, I'm trying to force them into returning my money and closing my account at my request. Both requests have subsequently been met with numerous run-arounds claiming identity fraud alert holds on my account despite my very real and legitimate government issued identification submitted at account opening. I've not only had to miss time from work in order to try to resolve this by going to the branch and by calling customer service, but I now have to miss more time off from work in order to open a new bank account elsewhere. 

Sometimes institutions that abuse their power don't deserve a second chance, and this is one of them. I wonder how calmly they'd be willing to hold on the phone for 30+ minutes at a time if their own money was jeopardized by their own ridiculous policies.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

fraud inquiries not authorized from XXXX XXXX DATED XX/XX/19 AND XX/XX/2019 from XXXX XXXX XX/XX/2019 from XXXX XXXX XX/XX/2019 TWICE from XXXX XXXX XX/XX/2019 from XXXX XXXX XX/XX/2019 and XXXX XXXX XX/XX/2019 all need to be remmoved from credit file
Consumer complaint received 2015-12-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (FL)

I called Wells Fargo in XXXX to defer my loan. They usually offer deferments in no more than 2 month lengths. I was asked to make the payment for XXXX then I would be approved. I made the payment then was told my deferment was approved for two full months and that payments would resume in XXXX. A month later, I got a letter in the mail saying I was late. I called because I was puzzled as to why I was getting this letter when my loan was in deferment status. After having to explain my story several times, I was told the deferment was canceled stating they can only give two month 's deferment in ac12 month period. I 've talked to several departments and they all refuse to help me. Instead here threatening to report me to the credit beareu and keep tacking on late fees of {$28.00} each. I was not planning on having to pay them XXXX payments of {$220.00} each and XXXX late charges ( so far ) so my XXXX payment of {$220.00} will still have me in the red and I wo n't be able to catch up for several month to a year. There 's not a lot of companies that refinance student loans. I wish I could leave XXXX afar go since they are not customer friendly and obviously do n't mind hurting their customers.
Consumer complaint received 2022-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (IA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anv purpose.
Consumer complaint received 2022-05-25
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: WELLS FARGO & COMPANY (CA)

In accordance with the Fair Credit Reporting Act, the listed account has violated my rights. 

WELLS FARGO BANK, acct # XXXX 15 USC 1681 Section 602 : States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end and consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-31
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: Experian Information Solutions Inc. (SC)

My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove 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 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NY)

I placed an order with XXXX on XX/XX/2023 for XXXX XXXX. Upon delivery I noticed the wrong food was delivered to me, I instantly reached out to XXXX XXXX  about the issue and was denied a refund or credit instantly even with proof of the order showing it was not at all what I ordered from said restaurant. my ordered contained XXXX items i received XXXX items that where clearly not mine missing drink missing fried rice, steak, beef, I did not order chicken, broccoli, or none of the things in the photo. After being denied I reached out to customer service again and advised them its not ok that I did not receive the correct food and I lose out on XXXX dollars. I was told to reach out to the appeals department which instantly denied my refund also with proof of pictures of the food not being close to anything I ordered. I ordered steak and beef and received chicken and mushrooms. I advised XXXX I would be contacting my bank to dispute, upon doing so I just received notification from cashapp that my claim was denied. This isnt the first order that I have had issues with. XXXX has a messed up refund policy that states only XXXX refunds or credits per account and after that youre pretty much XXXX if these restaurants or drivers mess up. Its unfair and not ok to keep peoples money. Ive had so many orders come incorrect and missing items but I let it slide because its wasnt such a high amount but I will not let an order I did not eat or could not eat because Im XXXX  to mushrooms go ignored.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I rented a car from XXXXXXXX XXXX XXXX and they charged me ten times the amount I originally authorization. I called and extended the agreement until a monthly rental because I was hospitalized and under treatment. The representative said they took care of it, and It would be {$700.00} ( + ). I now have a charge {$3600.00}. Having a car slightly over a month doesn't equal this amount. I'm on unemployment and I am disabled. I can not afford to be up-charged and can't risk ruining my credit. I am disputing with Capitol One and need advocacy, or I will not be able to get my meds, eat or perform other essential tasks.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Ive spoken with XXXX XXXX XXXX XXXX throughout the year XXXX  recently about a charge off they were reporting on my credit. A vehicle was taken from me from a dealership that I entered contract with to purchase. XXXX requested the dealership to buyback this loan. They did not. Thats why this is on my XXXX XXXX XXXX told me. However, through all of my digging its been verified through XXXX XXXX that they never acquired the title from the dealership, therefore shouldve never been placed as XXXX holder on this contract, per XXXX  law. This agreement was never fulfilled at the start. Therefore the contract is null and void. Nothing about this account is right. The car was repossessed and never sold even after I asked for the car to be sold. The dealership is no longer in business. They basically stole the car and now theyre making me responsible for a shady business practice.
Consumer complaint received 2024-03-10
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. (AZ)

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, XXXX, and Transunion have willfully allowed " XXXX XXXX XXXX XXXX '' the furnisher to furnish evidence of transactions in the 'Payment History ' section that are simply not allowed under the law above. XXXX, XXXX, and Transunion have violated 15 USC 1681a 2 ( A ) ( i ). If you feel you have not violated this law please provide the law that clearly and concisely states a Consumer Reporting Agency has the right to report Transaction History Between a creditor and a consumer.
Consumer complaint received 2022-05-25
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. (IL)

On XX/XX/2022, I XXXX XXXX, a federally protected consumer, sent Equifax a letter disputing Acct # XXXX. ( Letter attached labeled XXXX ). Equifax responded on XX/XX/2022, stating that this account was verified. ( attached labeled XXXX ). This complaint is against Equifax, requesting their detailed procedure and method of verification sent to them on XX/XX/2022 via certified mail, giving them fifteen ( 15 ) calendar days for requested information. ( attached labeled XXXX ).
Consumer complaint received 2022-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act, the listed account has violated my rights. 

KOHLS/CAPONE, acct # XXXX 15 USC 1681 Section 602 : States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end and consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (LA)

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

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$1000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

When I tried to open up a bank account with my local XXXX XXXX  I was denied and it was because They said I already had a account that was charged off, but I never had a account with them I was trying to open one. Then I checked my credit report and a closed account with a balance of {$630.00} is listed from XXXX XXXX XXXX XXXX that does not belong to me
Consumer complaint received 2022-05-25
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. (PA)

Ive call Equifax multiple time on multiple days because my credit file has been mixed with my XXXX  sibling. My equifax is saying I have no credit and showing my personal information as my twin siblings. They havent fixed it and continue to tell me Im wrong when Ive had XXXX mortgage lenders pull it and confirm. Ive paid for it on the XXXX app and that even says I have NO CREDIT for Equifax however I have good and established credit on the other XXXX credit unions. Theyve not fixed this and its been just over a month.
Consumer complaint received 2019-07-31
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. (TX)

Can not dispute credit report online via Equifax : https : /XXXX System security questionnaire reports incorrect responses despite me having all credentials readily available and being well aware of what is on my credit. This, in turn, blocks you from making any disputes online. This has been happening for at least three years in which the majority the time that I try to access the system I am denied access. Most recently on XX/XX/2019. If, according to Equifax, you inputted incorrect information in this questionnaire. Even more agitating is that you get locked out without any notification or second attempts. I have tried a day later to three days later with the same result before I can try again. This is unacceptable. 


It seems this has been a fraudulent practice implemented to push consumers into buying their credit products which have its own credit dispute system. 

There are two other options to dispute. Snail mail is not an option in 2019 ; it's ridiculous. Especially for time-sensitive issues that can take months to rectify. Requesting dispute by phone has not ever ended in me successfully completing a dispute. The representatives speak poor English and do not seem to comprehend clearly. it most likely ends up with them inputting incorrect information but that is speculation. 

There is something wrong with the systems code or database. Nothing a person could see without looking at the source code. It seems to happen when the questionnaire presents questions that do not apply to you and you choose 'none of the above. '