davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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)

In accordance with the Fair Credit Reporting act XXXX XXXX  Services Account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I did not give consent for all these companies to make inquires on my credit report. I have disputed with the credit bureaus with no assistance. I have been a victim of identity theft and have filed appropriate documents as well. 

This includes all some have multiple entries. 

XXXX dba XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

1. I visited A Chase bank for financial advice, and was given advice to closed a secured banking account without and safe briefings causing delinquency. Phone agents and other branches simply gave an apology and no help.

2. I have the suspicion that beaureus have different names. Causing Old or already taken care of accounts in different places, furthering my history and delinquency. 
My legal name XXXX XXXX XXXX And some accept hyphens and Im guessing some ignored it 3.my biggest loans contributing to not receiving help is a business loan ( XXXXXXXX XXXX XXXX  ) who was well aware I wanted a business loan and processed it as a personal one just to get it cleared Some bureaus flame I have no employee background even after trying to submit it Ive spoken to any and all accounts and branches and Im not being helped. 

XXXX XXXX
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was trying to buy concert tickets from a girl and she never sent the tickets after I sent her the money. I called XXXX and Zelle and was told I will not get my money back because they do not offer those protections against scams.
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. (NJ)

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX have 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 2023-09-25
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. (IN)

On or about XX/XX/2023, I saw an ad on XXXX for a bedding product. I thought that XXXX screened its advertisers so I thought it was safe. I used my Cash App card for the purchase of {$61.00}. A few days went by and I had not heard anything from the company. I didn't even get a confirmation of my order. So I emailed the address the shop provided for order inquiries and did not receive any response. I wrote approximately 3 times, then decided to open a dispute with Cash App. A few days later Cash App denied my dispute. They had not even contacted me about the dispute before denying it. I asked their customer support why my dispute was denied and they informed me I would find out the reason by email. A few days later I received an email from Cash App telling me the reason my dispute was denied was " card not present ''. That made no sense. No, the card was not present, it was an online purchase. But it was present enough for Cash App to give them my money. Then I go back to their app to dispute it again and it will not let me. When I click on the transaction it says " After further review, it appears that the merchant fulfilled their obligations for the goods and services associated with this transaction. As a result, your dispute has been denied ''. Upon further research of the merchant, it appears to be a huge, widely known scam. I can not believe that Cash App was not aware of the scam, and took their side over mine immediately. XXXX, a reputable company tried to put my monthly subscription through Cas App, and the transaction was " denied for my protection '' XXXX complained to the XXXX about this and though Cash App responded we did not resolve anything. Cash App responded to me by email telling me to file a new dispute and send all of the documents I had sent to the XXXX to them again ( though the XXXX just provided them with copies ). I was going to do that but there is no way or option to file a new dispute. The man who responded on behalf of Cash App said I could reply to the email directly. I have sent XXXX emails so far asking how I do a new dispute and I've yet to get a response.
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. (NJ)

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. 
XXXX XXXX  account # XXXX have 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 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American First Finance, Inc. (CA)

I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Consumer complaint received 2020-08-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

My credit was reported that i mixed 2 payments and the balance of my loan was reported wrongs as well i will want that to be corrected on updated on my credit reporting because i have filed a compliant in that regard. 
My Loan balance {$150000.00} -- -- -- -- -- -- -- -- -- -- -- -- {$270.00} Apply to the principal of my loan loan balance is {$150000.00} is my loan balance as of today. please stop reporting false reporting to my credit. 
and i want that corrected. because we had a deal that you said i don't have to pay and even at that the deal was fake but i still made my payments. you went ahead and reported false report to my credit. 
please don't get me in you false bank scam i don't want to be involve in that. i want you to report all my payment and you said that no payment was made which id a false claim too i paid over {$2800.00} IN XXXX AND XXXX alone.
Consumer complaint received 2023-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

I was scammed on Cashapp by a XXXX XXXX They promoted their work using my college campus as advertisement. It was directly targeted towards students. The appoint required a deposit. I sent in the work I wanted to get done and a {$50.00} deposit. After my deposit was sent I was told that me and my friends appointment was set. The following night the scoping was no longer running. I reached out to Cashapp and the business asking for a refund since the page was removed. They even sent me a phone number to call for the appointment. I reached out to Cashapp and they told me that they could not refund my money because it had to be approved by the lender.
Consumer complaint received 2020-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

Hello I am writing in regards to PayPal and there terms on holds on my funds, and upon trying to contact them about such money they refuse to allow telephone contact do to covid 19 even though upon leaving a message online they ask for me to contact them by phone, and then when calling they say no is available to accept calls any longer. I had 72 sent to me for sense XXXX which they canceled the payment once so I had to wait and extra 21 days which made it a total of 62 days and then they suspended my accoubt after many emails back and forth receiving a different answer each time, I was informed that I could jow transfer my funds or I caN purchase online items with my PayPal they asked for identification I sent it they then suspended my account not b allowing me to do so stating they can now hold my money for 180 days and what gets me that is against my rights as the money is mine and they are withholding it with my credit cards and bank account in PayPal refusing to allow me to remove them and close my a count ASAP leaving my account to have security issues ... I be damned if this continues someone needs to do something with Paypal they are not paying interest and they are holding my money as if it is a CD or something please help?
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
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 — Credit inquiries on your report that you don't recognize
Company: CrossCountry Mortgage LLC (CA)

The mortgage company initiated a hard inquiry without authorization for a hard pull. I was advised by the agent that they remove the inquiry but still on my report. I called XXXX and XXXX but both refused to delete or remove the said inquiry from my credit. which is detrimental and damaging to my credit report. XXXX reported twice the inquiry.
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I applied for a refinance at the end of XXXX where I was quoted 2.0 %. I accepted that and had several disclosures with the amount of 2.0 %. Several weeks went by and I did not hear from them at all. After emailing several times Jump to mid XXXX and it went up to 2.25 % when I asked why the jump, the lender told me he didnt know why and that it shouldnt have happened. He was going to get it changed with his manager. Weeks pass and Im emailing several times a week to see what is happening. This past Friday I get an email from the lender stating that he is still waiting for management and that we should be able to close this week. Today, Sunday XX/XX/XXXX, I get a phone call from the lender stating that they wont be able to get me that percentage rate, not even the 2.25 % and that they will probably have to add more points to the loan then already mentioned before. The lender was apologetic and said that he was sorry because he had to call a lot of people today to tell them the same thing and that management was telling him what to say. He also stated that he had no control and was out of his hands. I have tried to reach out to management, but no answer. I missed other opportunities with other lenders because Amerisave stated they will give me 2.0 %. Now I cant refinance because rates are back up.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

I am a bank signor on my parents checking and savings accounts with Wells Fargo. 

On XXXX my dad was the victim of a remote scam. The fraudsters were able to obtain online banking information. Through a scam, the fraudsters wired out {$2200.00} to themselves. I became aware of this late on XXXX. I immediately called Wells Fargo Customer service to report the fraud. This was at approximately XXXX on XX/XX/21. I do have the name of the customer service representative that I spoke with. The representative and I reviewed the accounts. We were able to see the wire out and two other unauthorized bank transfers from the savings account to the checking account. One for {$2500.00} and one for {$25000.00}. We did not see, any other activity that was unauthorized at this time. The customer service representative supposedly took actions to protect the account at this time. She assured me that she deactivated the online banking capabilities. She also assured me that she deactivated wiring capabilities. She in fact told me that the only way the wire capabilities could be turned back on was if the wire fraud department turned it back on. She then went to file a claim for the fraud. She attempted several times but each time she indicated that the system wasn't letting her. She continued to try but was unsuccessful and told me that I would need to call in or go to the branch in the morning to file a claim. The morning of XXXX, I went to the branch with my parents to file a claim and close out the accounts, and open new accounts. However, much to our surprise, there was a {$15000.00} wire pending for the benefit of the fraudsters. The bank had no answers for how that was possible. We filed a claim and after XXXX XXXX days, the bank denied the claim with no acknowledgement of my contact to customer service on XXXX. I suspect that the customer service representative didn't do her job correctly and the inability to file a claim the night of XXXX allowed the fraudsters to initiate the 2nd wire. My thought is that the {$15000.00} might have already been scheduled when I called in the night of XXXX but wasn't detected. Or the fraudsters scheduled after the accounts were supposedly shut down. In any event, I feel that Wells Fargo is responsible for the {$15000.00} wire that was sent out after they were notified of the fraud. I am now trying to appeal the denial, and have just spent the past 1 1/2 hours being transferred from one department to another. I finally got to the right spot and gave a verbal account of the above information. However, when I asked the representative I was talking to repeat the information I gave her, she did not have all the information I gave her, nor did she have some of the information as I had stated. I really don't have any confidence in this appeal that they took from me.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

I have been contacting XXXX  concerning to previous complaint about the inaccuracy being reported on my report. However, XXXX  obviously failed to provide me any feedback and updates with regards to my concerns. That means XXXX  has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see this inaccuracy I found on my report : CREDIT COLLECTION SERV ( Original Creditor : HIGH POINT SAFETY ) XXXX-Balance {$240.00}
Consumer complaint received 2021-08-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (GA)

The original debt was sold by Santander to XXXX XXXX. After a settlement was reached with XXXX all tradelines and any account associated with XXXX was supposed to be removed from all of my reports. XXXX was removed and Santander failed to remove their name from my reports and is reporting false information to all three credit agencies. I have disputed this issue on several different occasions starting on XX/XX/2021.
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: Experian Information Solutions Inc. (CA)

This is XXXXXXXX XXXX and I am submitting this CFPB Complaint to request the complete removal of the remaining fraudulent information being reported on my Credit Report. I previously sent a letter addressed to the Experian Credit Bureau to request that they remove the accounts and inquiries that resulted due to identity theft. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and inquiries that resulted due to identity theft. However, upon checking my updated Credit Report, Experian still indicate the disputed items on my Credit Report and claimed that the items and inquiries belong to me and are verified without sending me copies of documents bearing my signature or any document to serve as a proof of verification. This action by Experian is a clear violation on my rights under the FCRA regulation. I am now submitting this CFPB complaint to request that Experian conduct another investigation and if possible remove the disputed items from my Credit Report. I need the following items deleted as soon as possible : XXXX XXXX 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 2023-05-04
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: CITIBANK, N.A. (CA)

Late XX/XX/2023 a bank ( Citibank ) called me to find out if I had applied for a credit card. I told them that I did not apply for a credit card. They told me that they would not approve the card and asked that I file a report with Identitytheft.org I filed a report with XXXX XXXX XXXX XXXX mobile account also alerted me that there were recent Hard Inquiries on my credit for credit cards or accounts that I didn't apply for. 
I also found out through my work that there was a breach with our personal information through an insurance company called XXXX XXXX XXXX last year and that we could get free credit report surveillance through a company called XXXX. 
I then filed an account with XXXX ( phone number is XXXX XXXX XXXX ). 
They asked that I freeze all of my accounts through XXXX, XXXX, and XXXX. I went ahead a did that. 

When I called XXXX to request that the hard inquiries are removed from my credit report, they asked that I file fraud with either my police department or with FTC.gov. 

When I went to the FTC.gov website, it brought me to this website to make my report. 

I would like to have the following hard inquiries removed from my credit report as XXXX are fraudulent : XXXX XXXX Don't know what bank this is ) XX/XX/2023 ( Shows up on my XXXX XXXX account ) Citibank NA, XXXX XX/XX/2023 ( XXXX doesn't have this listed but it shows up on my XXXX XXXX account ) XXXX  Card service XX/XX/2023 ( XXXX has the date listed as XX/XX/2023 XXXX Card services XX/XX/2023 XXXX XXXX Bank XXXX XX/XX/2023 XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

USPS LETTER TRACKING NUMBER XXXX In a letter received by Experian on XX/XX/2024, Experian refused to investigate letter sent with notarized and valid documents such as ID, social, utility bill, and a notarized and signed affidavit document identifying myself as the send. 

provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. Validate Account XXXX Account XXXX : XXXX Please supply information on how you have verified this item. XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. XXXX. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. XXXX. Validate Account XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number XXXX Please supply information on how you have verified this item.