davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX should not be reporting to Equifax and XXXX  a collection/chargeoff in the amount of {$17000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX  and XXXX are reporting this account with XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The reporting of this account as a collection/chargeoff - twice - is wrong and the line item for XXXX XXXX needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Great American Finance Co (OH)

I have called three times nothing been done but let it sit on my credit its only hard inquiry and soft that I didnt authorize. Great American finance XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX/XXXX  XX/XX/2017
Consumer complaint received 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc. (WA)

Valon Mortgage made a mistake in the type of my property and forced me in buying two insurances ( one hazard insurance in XX/XX/2022 and another lender 's insurance without notifying me or reflecting it in the mail. I contacted them 3 times and they refused to resolve.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

Unauthorized charges showed up on my bank account. The first one for XXXX then XXXX then XXXX. So I closed the card and disputed the charges. I got an email saying no error no funds would be given back in 1 day. No investigation. You can clearly see they were testing it by doing low amount then going larger. They just let someone steal my money with minimally investigation. I have XXXX kids to feed with that money. Banks are insured to protect the clients but they just let someone steal my money. I told them I am appealing and filed a complaint with XXXX I am livid. I no longer feel safe with this bank after this I will no longer use them. I am contacting the news. XXXX warning everyone that this bank let people steal your money and does nothing about it
Consumer complaint received 2019-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (PA)

On XX/XX/XXXX I sent Flagstar Bank a completed application for Mortgage assistance. At that time, I was only behind 1 month. I never heard from the company and was not provide with any updates on my request. In XX/XX/XXXX, I called again and was finally advised that my application was cancelled and closed because I was missing information. The agent who advised me of this could not tell me what I was missing but did tell me to reapply, so I did ( dated XX/XX/XXXX ). At this point, the online platform is not allowing me to make any payments. Now, after not hearing anything from the company again, I called for an update and was advised that my loan was in foreclosure status and that i could not be given any information!! They still will not accept ANY payments and completely refused to offer any kind of assistance although I have been trying since XXXX of the previous year. I was provided with a foreclosure attorneys contact- XXXX , XXXX & XXXX , XXXX- ( XXXX ) XXXX. Their online platform no longer allows any access to any documents post XXXX of XXXX. I no longer have access to any records of my document uploads and they are attempting to force me to pay attorney fees to have my loan reinstated!. The last notice that I received from them is dated XX/XX/XXXX with a payment date of XX/XX/XXXX. Nothing prior to that for the current year.
Consumer complaint received 2017-11-04
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)

XXXX XXXXXXXX XXXX XXXX and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request
Consumer complaint received 2023-07-15
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. (MD)

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$1600.00}
Consumer complaint received 2023-10-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Block, Inc. (MO)

On XXXX XXXX XXXX I loaded {$1000.00} from my XXXX XXXX onto my cash app card. I then asked for a money order for {$1100.00}. At XXXX The clerk at the store ran my cash app card for that amount and it came back as over the limit.AtXXXX  the clerk ran my card again but this time it was in the amount of {$1100.00}. It too was declined stating not enough cash. I immediately looked at my cash app balance on my phone and the funds were gone. The clerk at the store told me that Cash app never released my funds to the XXXX and thats why no money order was printed out. And my transactions were declined! I immediately called cash app customer service number. Talked to a live person and Cash app and was told that those funds were released to XXXX. The XXXX clerk called the store manager and told me the problem was on Cash apps end. I filled a dispute with Cash App and they denied my claim. I then went back to XXXXXXXX XXXX  and showed them that Cash app said that XXXX XXXX  had my money. XXXX then said that another manager was going to look into it. I waited 1day and went back to XXXX. XXXX then said upon further review that they didnt have the money but there was a dollar amount that day that did match my dollar amount but money was never received! Cash app states XXXX has the money. XXXX says Cash app has the money. All I know is I dont have it. I need my money back
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$78000.00} XXXX XX/XX/XXXX 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 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 
XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-04-27
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. (DE)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX [ XXXX ] and # 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 1581 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Someone had me transfer money to their friend 's account to help pay for airline fees. 
The total was {$210.00} and I sent it to XXXX XXXX e-mail at XXXX on XXXX. But then the person ( XXXX XXXX XXXX ) ( who's e-mail was XXXX ) started demanding money for many other things. Turned out to be fraud. I was wondering if I could get my money back.
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NJ)

On XX/XX/2023, a client of mine paid me {$800.00} for a rental vehicle that they were going to rent for 25 days. Shortly after receiving payment, Square Inc. e-mails me that they suspended my account because they suspect the payment made to me to be fraud. This is not my problem, this should be the responsibility of Square Inc. to ensure transactions that are made on their platform are not fraud. I am not the one charging all the fees to process payments, they are. As also clearly shown in the attached documents, the last name of the only transactions I have on my account are identical. Anyways, they asked me to provide information to get my account active again. As inconvenient as it was, I obliged and sent documents containing my bank account information, my LLC paperwork, screenshots of messages and transactions done between me and my client. The next day, XX/XX/2023, they request more information as the information I provided was not " sufficient ''. My responses to the second email have not changed, as there is not more information that I can provide. I suspect that they will deactivate my account, like they have done with countless other small businesses, and withhold my funds indefinitely without any proof of fraud or basis to do so. I am asking that you can assist me in retrieving my rightfully earned funds that is essential to make sure my business functions. It is unethical that a company holds funds without a legal right to do so and without explanation.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (MI)

I authorized a wire transfer of {$2200.00} USD on XX/XX/XXXX @ XXXXXXXX XXXX using the Xoom service. The recipient gave me the wrong bank account information and I needed to cancel the transfer. I have been trying to contact Xoom customer service since XX/XX/XXXX @ XXXXXXXX XXXX. Customer service does not answer their phone. The same message has been playing for over 62 hours : " There is no one available to take your call. Please call back later. '' I have sent emails through their email system and receive generic responses, such as : - " We're so sorry to hear that you're experiencing an issue with Xoom. We're not seeing any problems right now, and we'd like to speak with you further to get more information about what you're experiencing. Would you please contact us? We look forward to resolving this! '' - " our partner has advised us that your beneficiary still needs to complete the required registration with XXXXXXXX XXXX to receive transaction. '' I have asked for one of their customer service representatives to call me back at their convenience to explain what is happening, but no contact has been made. I am trying to understand what is happening with my transaction, and I can't get an intelligent explanation.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NV)

requested my credit report through XXXX XXXX XXXXXXXX XXXX to no avail. i was told to call or request by mail. I chose to call i gave my information and was told i should expect the credit report within 15 days. my credit report never came and now when i try to request my online report I'm told sorry unable to proceed with request.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BMO Bank, N.A. (CA)

I received a offer from BMO Bank NA. For balance transfers on credit card balances for a 3.99 % for 15 months I currently have a balance on that same credit card thats at a 28.24 % interest rate. Before accepting the terms of the balance transfer I confirmed with the BMO representative that moving forward what ever payments I make on this card will apply to the higher interest rate balance of 28.24 % first until its paid off than apply to the 3.99 % after he said yes thats how its going to be I accepted the offer the balance transfer was for {$3100.00} with a transfer fee of {$120.00} totaling XXXX i sent a payment for {$1000.00} and on my bill it shows it all went towrds the lower balance instead of the higher balance. I have called BMO several times and was told no supervisor wants to take this call and hanged up on.
Consumer complaint received 2022-08-27
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. (CA)

This is to inform the CFPB of the bad practices TransUnion XXXX XXXX XXXX XXXX XXXX those companies has violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( negative {$700.00} ) The company XXXX XXXX bank has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.
Consumer complaint received 2021-03-08
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: EQUIFAX, INC. (CA)

This is the 8th time that Im trying to get this corrected and at this point Im beyond frustrated. Equifax has requested multiple documents to verify my identity yet i still cant get in to speak with anyone. On XX/XX/XXXX i call Equifax to see why 9 of my revolving accounts had been removed. I was advised to contact the companies all of whom were clueless. How do i send multiple documents in to get my address updated and now they cant verify me with any address Ive used in the last decade?!! I have spoken to multiple people whove explained that my credit bureau report was split and needed to be merged! They have merged some of my revolving accounts but not all of them. Im still missing at least 3. One of those cards is being reported as closed. Which it is not! Im also an authorized user on another file, which was on my file prior to the split and is now gone!!! I have contacted credit one and theyve made it very clear that this is on Equifax because they are reporting it mine they are to my other bureaus. They are reporting correctly to Equifax.! My credit score is still yet to be corrected! I have sent my driver 's license social security card and now a bill!!!!!! How do i go from high XXXX to XXXX without reason! 
They are really messing me up. IM filing this complaint with cfpb today as this is ridiculous. Before I got off the phone the last time he assured me that everything was corrected just like the first time when I called and told them that my address was incorrect. And to NOT send my credit report to my grandparents home yet thats exactly what they did and I had to go grab it from my grandparents address.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union is inaccurately reporting a credit card over XXXX XXXX XXXX on my credit report. The credit card was settled and paid off and I was previously advised that once I settled and paid if off that it would be removed from my credit reports. Navy Federal still have not removed the credit card reporting from my credit reports as they promised to do once paid the settlement amount. The credit card was first delinquent in early 2016, and it has been over 7 years since delinquent and by law should be deleted and removed from my credit reports as well.
Consumer complaint received 2021-08-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sylvania Acceptance Corporation (OH)

I had a car loan with Universal Acceptance which is called Sylvania Acceptance ( XXXX XXXX XXXX XXXX ) XXXX, Ohio XXXX over 10 years ago I believe. Account number # XXXX, 2 years ago because it just came off my credit report and a lady name XXXX had pulled my credit like I had tried to get a current car loan through them Sylvania Acceptance. I have documentation where I have been sending XXXX a month. They are in violation of my FCRA rights, they regard the debt threatened me to take you to court and garnish my checks, and the debt is out of the SOL ( statue of limitations ) in Ohio. The debt shouldnt have been collected any further.
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have all obtained my non public Identifying information through fraud & identity theft. I have never contracted with any of these companies. This also serves as notice for all of the credit reporting agencies to list a few but not limited to XXXX, XXXX, & Transunion. Please remove these fraudulent account or be held liable for willful breaking of the law.
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (TX)

These accounts is reporting INACCURATELY it's reporting not as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. 

In accordance with the fair credit act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  account XXXX and 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 a account without my written instructions. 15 U.S.C 1681 Section 611 5 Section ( A ) ( I ) : states that any information disputed by a consumer that can not be verified or found inaccurate shall promptly be removed. This account shows as open when it is closed