davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights under 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. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX
Consumer complaint received 2018-05-16
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. (GA)

Letters sent out to rectify issues on my report 60 days ago having in no results for multiple accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (NC)

I noticed this debt XXXX had been placed on my credit report. I am disputing the above referenced debt because I have no knowledge of this. Please verify this debt as required by the Fair Debt Collection Practices and regulations require all debt collectors to send specific written documentation verifying that I am the owner of the debt. 

Verification requires all of the following : Proof that this Account belongs to me. 
Proof that I was contacted in writing of this debt Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 

I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Consumer complaint received 2023-10-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CO)

I inadvently sent my sister {$100.00} to an old cashapp account that she does not have access to ( email or phone ). I contacted cashapp immediately to let them know and I also sent screenshots of the incorrect transaction, as well as the correct transaction, and how the names were similar. They said that they were unwilling to refund the money, and that they had no more information to give me.
Consumer complaint received 2019-07-12
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. (MO)

Transunion is incorrectly reporting me as an Authorized User on the XXXX/XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called and spoke to a representative and removed myself as an authorized user from this account. They removed me as an Authorized User on XXXX and XXXX  however Transunion has not removed this from my report. I have contacted the bureau to fix this issue however I was unsuccessful. This negative reporting is harming my credit score. This line item needs to be removed from my credit report.
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/22 I made a XXXX XXXX XXXX {$6000.00} transaction. The transaction was duplicated/billed twice to my Chase account. Double transaction fees were applied also. It has put my card over the limit. I have called & spoken to Chase representatives 3 times on 3 different days. I also spoke to a supervisor. I am being told that it is an ongoing issue that Chase is aware of and other customers are having the same problem. They have an issue that is putting my credit rating at risk. Can you please help?
Consumer complaint received 2019-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (DE)

XXXX recently took over my mortgage from XXXX XXXX. 

In exploring payment options for my new servicer, I have come across undisclosed penalties that apply to people paying WITHIN their stated grace period. In my case ... 

My payment is due as of the XXXX of each month, and considered late if not received within 15 days. However, if I elect to make one-time online payment, apparently there is a {$5.00} " processing '' fee that applies from days 6-10 and a {$10.00} fee for days 11-15. When I inquired why, I was told, " that's just the way we always do it. '' I confirmed that a check or other payment method would not incur these " processing fees. '' This is unacceptable. If I have 15 days from the first to make payment, I should have 15 days or they should be up front about these hidden penalties.
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

My cash app acct is $ XXXX  I sent {$20.00} pre-delivery service for a sofa. 

Total and balance would be paid in full once sofa was delivered. ( {$60.00} ) I cashed app XXXX XXXX $ XXXX {$20.00} right after she cut me from group chat and all communications with me. 

I immediatly reported the her account as Scam in a cash app and requested a refunsed which she rejected. 

I followed cash app step by step instructions for my refund and nothing. 

I decided to call Cash App Saturday but customer service line is only open M-F. 
Monday I personally taled to a cash app rep and they said they can not refund my money!!! this unaccetable. 

I know I am not the only victim here, we work hard for our money to give out to a scammer.
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 is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I am disputing Experian.com credit boost program. I deleted boost because ALL 3 reporting agencies has the same score ( XXXX ) so I no longer needed to " boost '' my score. On XX/XX/2022, I removed my bank account from experian. Since then, my score has not moved. 
My score is now XXXX with both XXXX and XXXX. It has been 3 months. I have contacted experian via email, and their response is vague, and never addresses my concern. 
I feel bullied into " boosting '' my score, as most lenders use Experian. I should NOT have to apply boost to benefit from my hard work of cleaning my credit. I feel that experian is holding my score hostage. And just keeps saying to apply boost. This should be illegal. 
XXXX XXXX uses Experian in their credit score model. At this time experian shows XXXX, and wells fargo shows XXXX. The experian website- With Boost. Is rigged.
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

I wanted to create a new account with this company and they banned when my account had been taken from me without my knowledge and they are refusing to give me a reason why and they keep giving me the run around and its XXXX me off.
Consumer complaint received 2019-07-12
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. (NC)

I had a store card with XXXX  back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called XXXX to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, XXXX is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (CA)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2019-07-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

this loan was made under false pretensis from the sales rep at the university they did not allow me to finish due to an accucation of plagarism- i want this load forgiven if possible as i was not able to finish - NAVIENT is unwilling to listen and they continue to deduct the monthly charge
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: Experian Information Solutions Inc. (GA)

Hello I did a investigation into my credit report and found that there were inaccuracies on my credit report. 

======================================================================================================== Account Name : XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ==================================================================================================== Account Name : XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ===================================================================================================== Account Name : XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ======================================================================================================= XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ==================================================================================================== XXXX XXXX In accordance with the Fair Credit Reporting act, XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions =============================================================================================== XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ===========================================================================================
Consumer complaint received 2019-01-03
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: WELLS FARGO & COMPANY (TX)

This is my complaint about Wells Fargo ( WF ) Earn More Mall Reward Program. 

In XXXX, I receive 50 % cash back offers from WF,  stating that I could receive 50 % cash back if I use my credit card at XXXX XXXX ( cap at {$100.00} cash back ) and XXXX   ( cap at {$70.00} cash back ) in store. AFTER enrolled in the offers from WF online banking system ( screenshot that shows my enrollment is saved ), I met the requirement mentioned in both store on XX/XX/2018 and expected {$170.00} for my purchases from XXXX XXXX and XXXX 

However, I did not receive {$170.00} from WF after a month. Therefore, I tried to contact WF to create a case for investigation. After the case was escalated to the executive office, Mr. XXXX XXXX has reviewed my case ( case # XXXX ) and contacted me. It sounded to me that WF doesn't recognize my enrollment from the system, therefore, can't issue the cash back. I provided my screenshot twice to WF, but they still couldn't honor me the cash back. I should be receiving what I was offered, and clearly, this problem is caused by their system glitches.

I would not recommend people use WF Earn More Mall offers based on my experience.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I received XXXX separate letters XXXX on XX/XX/22 then XXXX on XX/XX/22 from PenFed Credit Union. Both stated that I have been approved for a XXXX XXXX card I never applied for. I contacted the company on XXXX and indicated that someone has apparently has stolen my personal information and do not approved this credit application. They informed me that they will contact their own fraud department of identify theft and that someone will contact me in 2-4 business days. They also instructed me to contact the 3 credit bureaus of the identify theft.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (VA)

I set up an account with sleep number because the salesman who sold me the bed told me EVERYTHING i bought was at zero percent for two years. I got my first statement from Synchrony and everything showed 0 %, in XXXX they sent me another statement which suddenly reflected a XXXX purchase not at 0 % which doesn't even make sense because why wouldn't that have been on the XXXX statement? Regardless, this account was clearly sold as 0 % interest for all purchases at sleep number for two years. If you review the statements you can see no interest on any purchases and then you see in XXXX an arbitrary ( it doesn't even match a purchase amount ) moved to being charged interest. 

Synchrony refuses to fix this and continues to direct me to the store, the store gives me the run around and claims that they have no knowledge of why Synchrony would be referring me to them. Incredibly shady!
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Accessed annual free credit report on about XX/XX/2019. 
Problems : 1. ) Report listed closed account as open.

2. ) Most of the data is out of date, including that none of my recent credit issues ( such as active credit cards and active mortgage ) are listed.

3. ) I submitted Dispute. Received Dispute completed # XXXX. Attempted to access online. 
4. ) Online access to Dispute not available.

5. ) telephoned Equifax for information. Was told I had to be " verified ''. The answers to the questions I was asked were relying on Equifax 's erroneous data and therefore I was denied access to the Dispute information. I spoke with first XXXX, who first of all was very difficult to understand, and then her supervisor, XXXX ID : XXXX. 
Neither were at all helpful, including refusing to take steps to update my Credit Report information.
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. (MD)

In accordance with the fair credit reporting act, XXXX 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 an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

On XX/XX/2019 two transfers were posted to our account at XXXXXXXX XXXX, one for {$1400.00} and the second for {$300.00}. Both transactions were made using the Zelle XXXX payment service and both were sent to a XXXX XXXX. The {$1400.00} transaction has a reference number of XXXX and the {$300.00} transaction has a reference number of XXXX. On XX/XX/2019, we noticed the suspicious charges, notified the bank of the charges, and asked to restrict all access to online banking. They complied with our request and initially reversed the charges while they investigated. However, they later notified us that they believed the charges to be legitimate and reposted them to the account. We believe that the suspect was somehow able to gain access to our online account and initiate the transfer. Because we could not resolve this issue with our bank, we have filed a complaint with the FBI 's Internet Crime Complaint Center ( IC3 ). 

Proper protections that could have mitigated or eliminated risks were not put in place by either XXXX or XXXX XXXX. We had never before heard of XXXX, had never used it before, and were not aware it was even a service offered by our bank. We were not notified when the payments had been initiated, even though this was the first time the service was being used from our account. We were also not notified by chase when two large electronic transfers were simultaneously posted to our account within minutes of each other, something that is usually considered a red flag. XXXX XXXX XXXX, the president of the company that owns Zelle is quoted as saying we remind consumers to only use Zelle for transacting with people they know and trust '', however the service allows you to instantly transfer money to absolutely anyone. If they were actually concerned with fraud protections and security, it would be fairly simple to implement a control that allows users to only send money to accounts and people that were added and confirmed.
Consumer complaint received 2023-08-05
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX Owed : {$48000.00}.