davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

During the months of XX/XX/XXXX and XX/XX/XXXX I submitted multiple disputes to Equifax and the other two major credit beaus to remove fraudulent items that appeared in my report. Equifax did indeed remove and block the following accounts from my credit profile and placed a fraud alert on my profile. 

XX/XX/XXXX Dispute via CFPB ( confirmation # XXXX ) - Removed XXXX XXXX XXXX Finance Account # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed the following. 
XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX  XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed XXXX XXXX  Account # XXXX I called on XX/XX/XXXX and spoke with a representative requesting a digital copy of the dispute results listed above in order to take care of some important business proving the fraudulent accounts were once there and removed. The representative informed me of his inability to send an electronic copy and advised he could send a hard copy through the mail. I agreed to receive the results via postal mail after being advised it would be processed the following day ( XX/XX/XXXX ). After speaking to two other representatives the next day ( XX/XX/XXXX ) along with a floor supervisor no one could confirm to that the letters were processed and on its way. Furthermore the supervisor informed me that the option to send the dispute results would be denied and there was nothing he could do for me. I previously asked if I can go to the office and pick up the documents and was informed I could during office hours. The supervisor was unable to confirm that I would be able to get the documents I requested at the walkup window in XXXX. Im a Florida resident and was willing to travel to XXXX, Ga in order to get the dispute results the clearly have on file. Every representative I spoke with was able to view and read the report to me. All I requested was a copy of that very report. 

I need written confirmation from Equifax that the above accounts were reporting on my profile and removed. I prefer this to be done electronically and quickly by XX/XX/XXXX. I can log in to myequifax account right now and download four dispute results but they aren't the ones I need. 

I expect a speedy response. Thank you
Consumer complaint received 2023-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a single hardworking mother to XXXX kids trying to buy a safe home for us to live to get out of the shelter. I realized that I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report as a result this is major defamation to my character. I have disputed all fraudulent accounts and inquiries with all 3 credit bureaus dispute center. Nothing is being done. I am in dire need to get these items removed to be able to secure a safe home for me and my children.
Consumer complaint received 2023-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

On XX/XX/2023 at XXXX XXXX, I started a Cashapp transaction to my niece. The money was removed from my attached XXXX  XXXX XXXX account on XX/XX/. When I checked with my niece to see if she received the {$100.00} I sent, she informed me that she neither received a notification of this transaction nor the {$100.00} I sent. I verified that I had send the Cashapp to the correct user name and we checked my niece 's Cashapp and XXXX XXXX XXXX  account to ensure that the money had not been received. 

I called Cashapp several times over the following days to try to find out where the {$100.00} had been sent. I was advise to request a refund from my niece and have her decline it so the transaction can show up. While the refund request showed on her account the original transaction did not and she still did not receive the money. When my niece tried to resolve issue on her end she was told to change her Cashapp name to solve the issue. This effort did not resolve the issue. 

At this point Cashapp advise that I file a dispute with my bank, XXXX  XXXX XXXX. I file a dispute with XXXX  XXXX XXXX on XX/XX/2023. I received notice on XX/XX/2023 that XXXX  XXXX XXXX was unable to return my funds. 

I contacted Cashapp again on XX/XX/2023 to inquire how to file a dispute with Cashapp since transaction took place on their platform. Not only was I told I could not file a dispute the support agent on the Cashapp chat disconnected the conversation with me, while I attempted to ask follow up questions causing me to have to start the conversation over with a new agent. The second agent disconnect the conversation as well without allowing me to dispute the transactions. 

I would like the CFPB to look into this situation to find confirmation of where the {$100.00} was send and have Cashapp return the funds to me. 

Thank you
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Disputed charge from XX/XX/2022 from XXXX XXXX were I DO NOT hold a policy. Have been disputing this company for months and asked to have them blocked because Bank of America allowed them to continue to charge me. Bank of America put a block only of the dollar amount so XXXX charged a lump sum of all disputed charges into one. Contacted Bank of America to dispute the new charge. They disputed it and gave me a new card. however they put the charge back on my new card. I called a month ago and was told the credit was just not moved over from the old card and that the charge was in dispute they were just waiting for the credit to move to my new card. A month later this charge is still on my account. No on e from Bank of America can help or is willing to help. Have spend a total of XXXX XXXX on the phone trying to fix this with no avail Now I am being billed and recieveing late fees for charges that should not exist.
Consumer complaint received 2022-08-27
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: National Credit Systems,Inc. (TX)

On XX/XX/22 I contacted national credit systems regarding the two trade lines reporting negatively on my consumer report. They advised me that my file was with XXXX XXXXXXXX XXXX XXXXXXXX. The law firm confirmed that I only have one debt but they were not going to remove the second account until the first Alleged debt was paid. I sent this Exact letter to National Credit Systems, XXXX, XXXX, and XXXX. XXXX removed both trade lines and XXXX and XXXX just removed one. My complaint is directed towards National Credit Systems due to them verifying the debt with the credit reporting agencies but sending me a letter saying their Unable to locate my account. 


This ONE company is in violation of the following : FDCPA 15 USC 1692g FDCPA 15 USC 1692e FDCPA 15 USC 1692f FDCPA 15 USC 1692k And furthermore NCSs actions are putting XXXX and XXXX at risk due to these credit reporting agencies violating the following : FCRA Section 623 ( a ) ( 3 ) FCRA Section 623 ( a ) ( 1 ) ( a ) ( b )
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

Notice to agent is notice to principal, notice to principal is notice to Agent. 

I was looking over my credit reports the other day and noticed an account on my reports from Comenity Capital BankXXXX XXXX account number XXXX XXXXXXXX, reporting late payments. I am 100 % certain that Ive never received any goods, services, or money from this company, nor have I ever done any business with the company. I have reached out to Comenity Capital BankXXXX on numerous occasions and was informed that an investigation was completed, and the account was closed as erroneous as of XX/XX/2022. I am confused as to how this company is now reporting past due/late payments on my credit reports. From what I know of the law, only a contract/signed agreement between Comenity Capital BankXXXX and myself would make me legally bonded to any debt that they are alleging. An agreement with XXXX XXXX XXXX XXXX in XXXX, XXXX was cancelled within their 3-day grace period, therefore, there should be no monetary charges from Comenity Capital Bank XXXX 

If Comenity Capital BankXXXX had sent me a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to dispute this account long BEFORE they unlawfully caused considerable damage to my credit reports. I humbly request that Comenity Capital BankXXXX remove this erroneous account from my credit reports and cease any further collection efforts. Please consider this letter a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. 

Respectfully,
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I requested in writing a credit card back in the month of XXXX for personal use and was denied. I contested the denial pursuant to Truth in Lending Act and have not received a response to complaint case XXXX ; complaint # XXXX mentioned above requesting full disclosure since. Aside from the courteous assistance provided by Assistant manageXXXX XXXX I have not been able to acquire an open-credit card. 

see full credit discrimination complaint and correspondences attached.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NV)

I have been trying to pay off the amount they claim that I owed them before they closed my account and then reported me to XXXX however they have not provided me to the right department to immediately take care of this issue so I can remove them from my XXXX. They have refused to give me to the right department to take care of this problem.
Consumer complaint received 2019-01-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

Beginning in XX/XX/2018, I have contacted Rushmore Loan Management Services 12 times, asking them to remove my Mortgage Insurance from my payment. At my home 's current value, I am well below 78 % LTV. Rushmore keeps sending me notices that I am above 78 % because they are assuming my home 's value is the loan amount from my refinance 7 years ago. Each time I have contacted them, I have requested they appraise the home or re-evaluate the value to bring it up to date. I have also sent them the state tax assessment which shows a higher value. I was told I can not speak directly to anyone in their MI or Escrow department. This is costing me over {$100.00} every month that they refuse to make the change.
Consumer complaint received 2022-08-27
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. (IL)

On XX/XX/XXXX I requested that TransUnion and XXXX and XXXX XXXXXXXX XXXX conduct a proper investigation under 1681 and all sub chapters. They are continuing to violate 15 USC 1681 ( a ) 15 USC 1681 ( a ) and all the subchapters regarding reinvestigating procedures and 15 USC 1681 ( i ) On a previous dispute I received correspondence dated XX/XX/XXXX, stating that they were not going to conduct any further investigations and that all accounts were verified. I sent documentation regarding XXXX XXXX XXXX account number XXXX and that correspondence states that this loan was not approved and should never have been submitted as a debt on my credit file. Had TransUnion conducted a proper investigation that account should have been deleted immediately. A copy of the letter dated XX/XX/XXXX states that I was not approved for the loan. I have come to the conclusion that TransUnion is knowingly and intentionally with a deliberate indifference continuing to violate my consumer rights. The correspondence from TransUnion that I received has a file # XXXX ; TransUnion stated that they verified the following accounts Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name XXXX XXXX XXXX, Acct # XXXX Account Name XXXX XXXX XXXX XXXX, Acct # XXXX On XX/XX/XXXX, I requested a reinvestigation and TransUnion refuses to comply with the consumer protection laws that have been placed by congress to protect the consumers like myself. 
I am requesting that the Consumer Financial Protection Bureau conduct an investigation into the misconduct and unlawful practices by TransUnion.
Consumer complaint received 2022-07-11
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. (NC)

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, XXXX XXXX Account # : XXXX, XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy XXXX  XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX, Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (SC)

XX/XX/2022 I monitored my credit and see a derogatory collection account appear from nowhere... 

XXXX account listed as Ability Recovery Services Llc .... 
XX/XX/2022, I called XXXX XXXX XXXX and they stated that this debt was purchased from XXXX XXXX XXXX ( who originally purchased from XXXX XXXX XXXX ) I have never had an account with XXXX XXXX as you can plainly see on my credit history.
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 

1 ) 15 U.S.C 1681 Section 602 A : States I have the right to privacy 2 ) 15 U.S.C 1681 Section 604 A : It also states a consumer reporting agency can not furnish
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/2022 Charged {$12.00} for Service Fee XX/XX/2022 I was negative - {$5.00} due to the service fee XX/XX/2022 Transferred {$2100.00} into the account to cover a {$2100.00} check XX/XX/2022 {$2100.00} Check Posted XX/XX/2022 Bank charged me a {$36.00} overdraft fee. This overdraft occurred due to the {$5.00} remaining from the unpaid service fee. 

I spoke to the bank to have it removed since the overdraft is a result of {$5.00} that I was negative from the service fee. They said I had an overdraft fee removed in XX/XX/2022 and they could only remove one overdraft in an 18-month period. Please help Truist has been charging service fees excessively since they merged BB & T and Suntrust.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

XXXX  XXXX bankruptcy case number XXXX has been completed and debts were fully discharged. Accounts listed on my credit report which were included in the bankruptcy should reflect a {$0.00} balance. Some accounts also fradulently report that the account was included in XXXX XXXX. That is incorrect information. XXXX XXXX also incorrectly includes a status of " charged off ''. The account was not charged off but was included in XXXX  XXXX bankruptcy and fully discharged.

Debts that are discharged in a XXXX  XXXX bankruptcy should be reported with a {$0.00} balance after the discharge is entered. Furthermore, as the automatic stay of creditors prohibited the lawful collection of the debts as soon as the bankruptcy case was filed, a creditor or debt collector may not continue to report the account or trade-line as " past due '' once the bankruptcy has been filed. 

Creditors who continue to report the debts listed in my bankruptcy schedule as past due or with a balance due after I received my bankruptcy discharge, are robbing me of my fresh start... .and a a result I have been damaged : I have been robbed of my fresh start. 

I want all accounts, with the exception of the newly opened XXXX  XXXX account on which I am an authorized user only, to be updated to accurately reflect the fresh start granted to me by the courts. 

I filed a previous complaint regarding this issue and the credit bureaus took more than 30 days to investigate which is a direct violation of the FCRA. Should this issue continue to go unresolved I will pursue the assistance of a legal team.
Consumer complaint received 2023-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

XXXX {$650.00}, XX/XX/XXXX {$160.00} and XX/XX/XXXX {$350.00}. My cash app was hacked and someone stole money on multiple days, I'm now unable to get into my cash app acct and unable to verify the acct being that the person changed all of my information. I contacted cash app with file a dispute and the closed the claim stating the the transactions were authorized.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (AL)

There was 4 transactions from my business account with Square/Block date ranges XXXX. Only one of the transactions were valid in the amount of {$800.00}. I have filed disputes for the remaining three of {$840.00} ( charged twice which transaction has been provisionally credited already ) and {$760.00}. The one in question of {$760.00} was denied and the reason stated was the card was used with chip and based on my response the card was in my possession. 

That is inaccurate, because I reviewed the form that I submitted, and it states that I responded to the question as the card was not in my possession, but I had made purchases with the merchant before. I have the screenshot of the form I submitted and the company 's response. 

I lost my wallet and yes the card was used after the time I presented the card for the valid transaction.
Consumer complaint received 2022-08-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (LA)

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
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: CREDIT ACCEPTANCE CORPORATION (NY)

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-08-17
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.