davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

Went to sleep with XXXX in my cash app Woke up my cash app was on XXXX Had over XXXX {$50.00} transactions go through within XXXX mins no security on cash app avoided the transactions My personal info like email and pin was switched out Had no control over my cash app Called in to dispute was denied they replied it came from my device when I know it did not I am just being brushed off now Im broke because my tax money was stolen
Consumer complaint received 2023-04-06
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)

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 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 2020-08-01
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: Experian Information Solutions Inc. (NY)

Experian has reported an inquiry without any permissible cause. A violation of FCRA rules section 1681. 

XXXX card services, inquiry date XX/XX/2020 2020
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been having issues for over 2 years since my next door neighbor moved in with the same last name & our mailbox is right next to each other. Our mail constantly get mixed up & As I am nice enough to return there mail unopened they do not return the favor. Last two years has been the most stressful time of my life because when they get a hold of my personal information I started getting alerts of people applying for things in my name. I was getting inquiries for credit cards, mortgages & everything under the sun that I never applied for. XXXX XXXX XXXX has been great with helping me to resolve my issues. Equifax on the other hand after numerous certified letters they refuse to acknowledge that I been having fraud committed against me. They refuse to remove all the inquiries on my credit report no matter what proof or letter you send in. Equifax is the only credit company that do not verify accuracies of debt & refuse to remove them. They break every law & act as if we the people do not have any rights. They requested a police report & because its a federal case the police can not give a report. I have explain this to XXXX different representative on phone & in writing & yet here we are. This is a case I can easily win in court & if Equifax do not remove all five inquiries off my credit report than was fraudulently done I will sue them for violating my rights.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

I transfered funds from Marcus Goldman Sachs to another online bank. The next day my account was frozen. They said I would have to sign an affidavit that the account was mine instead of verifying my ID with the security questions that you answer when you first open an account. Now I have to wait to be sent this affidavit and to get it back to them and all the while my account is frozen along with the other accounts I have there.
Consumer complaint received 2022-06-10
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 


EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX : DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$940.00}
Consumer complaint received 2021-07-07
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. (NJ)

I filed Chapter XXXX Bankruptcy in XX/XX/2020 ( shown on all of my credit reports ) and notifications were sent to all creditors upon my filing and I was legally advised that as the bankruptcy was filed in the month of XXXX and the companies were notified of the bankruptcy filing, creditors could not file any late charges on the account within that month as the matter was now in the Bankruptcy Courts hands. However XXXX XXXX entered a late on my account in XXXX of 2020. I submitted a dispute and the results came back showing it was still not corrected. Other than the Bankruptcy filing, I have never made a late payment to XXXX XXXX and am looking to have this removed from my credit report. All other credit agencies have it noted correctly but XXXX XXXX does not.
Consumer complaint received 2020-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (WA)

SYNCB/CAR CARE SYN CAR has been reporting an unpaid credit balance on my credit report. After several attempts to dispute this account, according to XXXX  and XXXX this credit account was verified as a joint account between XXXX XXXX as the primary owner and myself XXXX XXXX XXXX. I have made several phone calls to Synchrony Bank and spoke with several agents in their recovery department on XX/XX/2020 and XX/XX/2020 to verify this information. The agents were unable to locate this credit account under my name, DOB, and SSN. The agents said that I needed to provide a full account number or the primary owners SSN. I explained to the representative that I do not have that information and that I tried to reach out to XXXX XXXX and received no response. I explained that this information has been reported on my credit and has hurt my credit score significantly. I also asked how is this information being reported on my credit report if SYNCHRONY BANK is unable to locate any account information under my SSN or NAME. This creditor has failed to provide me with any information that I am related to this debt. I am asking that the CFPB investigate this matter. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-10-08
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. (NJ)

Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 60 days Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit $ XXXX  Monthly Payment - Past Due Amount - Highest Balance {$290.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have called several time and disputed this account spoken with supervisors below. 
XXXX ( Intergrity Team ) XXXX XXXX XXXX XXXX send me documents showing the accounts i have with them and this account above is not even listed. Document was sent to XXXX and equifax who refuse to remove this account.
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021 I created a Venmo business profile, after Venmo advertised that I could sign up for a business profile and make and send business payment for 30 days with " zero fees ''. I am a California-licensed certified public accountant ( CPA ), and my business is bookkeeping and preparing tax returns. 

On XX/XX/2021, a business client ( also based in California ) sent a payment of {$1200.00} USD to my Venmo business profile for bookkeeping services. I have not performed any other activity on my Venmo account. 

On XX/XX/2021 I received an email from Venmo stating : " Your Venmo account has been frozen due to recent activity that triggered some security alerts. 
Please contact us by replying to this email if you have any questions or want to reactivate your account. '' The money my client paid me is trapped in limbo. I can not transfer it to my bank account and I can not return the money to the client. I also can not perform any other activity. 

As instructed in the email, I replied to contact Venmo. However the only response from Venmo was an automated email with links to forums that was of no help. 

I then resorted to the app and found an option to chat with support. After getting the run-around from chat bots for 20 minutes, I was able to connect to a, supposedly, real person, who promptly stated they could not assist and transferred my chat. 10-20 minutes later, I was connected to another supposed human, who also stated that they could not help me or provide any additional information. They informed me that the team that can help will contact me via email within 48 hours. There is no phone number or email address to contact this " team '' - I have to wait and watch for them to initiate contact. 

Today is XX/XX/2021. After 3 weeks, my money is still trapped in limbo. I can not return the money, I can not use the money, and I can not get a straight answer. I would warn anyone to avoid using Venmo because they can, for opaque reasons, cut you off and do real harm to a business that relies on them for their livelihood. Additionally, the advertisement for zero fees is practically a false advertising scam, because the first time I tried to transact my legitimate business with them, it locked my account and by the time it ( hopefully ever ) gets resolved, the 30nday XXXX  fees window will be long gone.
Consumer complaint received 2018-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I spoke with a representative regarding degratory information on my credit report. I inquired about one account and was then notified about a second account. I was not properly notified about being able to resolve any delinquent accounts. I asked the representative If I could pay the balance and have the information deleted from my credit report. I was told no that this was against the law and that the only thing the company could do was show a paid derogatory.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX XXXX Balance : {$3500.00} TransUnion : XXXX  XXXX XXXX : {$3500.00} XXXX XXXX Balance : {$2300.00}
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2019-08-23
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2021-07-07
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. (OK)

I filled a CHAPTERXXXX BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " XXXX XXXX XXXX '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed. 

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.
Consumer complaint received 2022-06-10
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. (AL)

On XX/XX/2022, the company received a dispute from me telling them to remove information that I did not explicitly consent to be furnished to my consumer report. my information was obtained without my written consent, which constitutes fraud. the credit reporting agency has no proof, and can not and did not verify any of the information. The company did not respond, it has been more than 30 days.
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX )/ XXXX / {$6800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX )/ XXXX / {$110.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) / XXXX {$75.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2020-12-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by Experian, XXXX  and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months and I have not received any responses back from either Experian, XXXX  or XXXX.
Consumer complaint received 2021-07-07
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)

On XX/XX/21 I filed a complaint through the XXXX  dispute center against XXXX regarding a settled account. On XX/XX/21, XXXX verified with XXXX  that the information reported is accurate stating the account balance is currently {$3800.00}. This is not correct as payment had been submitted to XXXX XXXX XXXX, working on behalf of XXXX XXXX  on XX/XX/21 to settle the account in full. Additionally, XXXX updated with XXXX  on XX/XX/21 that the account has been paid in settlement. 

XXXX refuses to report accurate information to the 3 credit bureaus and although documentation had been provided to XXXX  showing the account had been settled, XXXX  validated the inaccurate information reported and verified by XXXX XXXX. 

I have provided documentation of the conflicting dispute updates and the letter submitted by XXXX XXXX  acknowledging receipt of payment and settlement of the account.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I get my statements late. I had been paying the same amount for years. I get a notice that the escrow is short and that I owe about {$120.00}. I call Newrez and pay the {$120.00}, I ask if I should go back to paying what I had been paying. They say yes. I get a notice that I am XXXX months late and that they have not applied my payment because the escrow is short. The destroy my credit by filing that I was XXXX months late. I paid the mortgage on time. They told me to go back to paying what I had been paying. They never sent me anything that informed me how much the escrow had gone up a crazy and unexpected amount of almost double. I have general liability and earthquake insurances. They went up almost {$1500.00} for the year. I had no idea, I never got an accounting which is why I thought the {$120.00} was all I owed. My XXXX XXXX went from over XXXX to below XXXX. I am looking at purchasing as new home. I will not be able to now because of this. 
Also I chose the escrow option. I owe less than XXXX XXXX  on the home so an escrow is not required, it would be my loss if something happened. The property alone is worth more than XXXX XXXX 
Saying I was late on the mortgage when I wasn't is just wrong. I have not been able to contact the credit agencies. They have an impossible amount of hoops and then don't email the verification code. 
Please have Newrez correct this.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I booked a trip via Chase XXXX on United Airlines. The flight was cancelled and I tried to get a refund. Chase told me that because United controls the ticket, they were unable to " access it '' to refund the points.

I contacted United and they refunded the ticket to Chase XXXX on XX/XX/2021 to allow them to access the funds. I called Chase back XX/XX/2021 to try and get the points back since the refund should have posted, and Chase travel claimed they still do not have access to the points.