davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (MI)

On XX/XX/2023, XXXX suspended my business debt card without any acknowledgement that the company would do so. I immediate contacted XXXX XXXX Bank and was told my account was suspended until further notice, and that not much information could be provided. XXXX XXXX XXXXXXXX restricting both of my accounts has caused me emotional distress on top of late payments for utility bills and fees. Although fraud charges have occurred on both of my credit card accounts multiple times XXXX XXXXXXXX XXXX  did not follow their agreement in protecting me as a consumer, while willing knowing Im not responsible for any fraudulent charges. NO consumer is responsible for fraudulent charges that are unauthorized by the consumer. XXXXXXXX XXXX XXXX  has no right to restrict and suspend my account, without proper notification nor authorization. XXXX XXXX XXXX has my funds/credit on hold I have a right to use the credit that is available to me.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I received a notification on my phone from cash app that someone was requesting a payment of {$200.00} I unlocked my screen and just unlocking my screen accepted the payment request. 
I XXXX XXXX the consumer did not initiate this transfer. 
I XXXX XXXX the consumer received NO benefit from this transfer. 
This transfer was initiated by a unknown person through a cash request to cash app. 
I XXXX XXXX the consumer received a locked screen notification from cash app requesting {$200.00} I XXXX XXXX the consumer unlocked my phone screen to decline and face id screen came up when the screen cleared it said accepted. 
I XXXX XXXX the consumer did not accept the request. 
I XXXX XXXX the consumer did not press anything. 
It never gave me the choice too. 
I XXXX XXXX the consumer immediately requested a refund from the sender per cash app policy. 
It was declined. 
I reported the transaction as a scam transaction per cash app policy. 
I then filed a dispute through cash app chat. 
The next business day cash app dispute department refused to open a dispute and closed my case.
Consumer complaint received 2022-01-26
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. (NY)

Hello I am writing because I am having continuous issues with the three credit bureaus and my credit report. I have sent numerous letters to the credit bureaus and I have even submitted a few complaints with CFPB and I am now submitting this complaint again and a complaint with the FTC. On XXXX, XXXX, and Experian they're reporting portfolio recovery accounts that are in violation of 15usc 1681e-d. These companies like to get away with whatever they want. I have sent numerous letters to the credit bureaus and the only thing that portfolio will send me is a bill that is not validation of a debt. They have never provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXXXXXX XXXX. That means I have no contractual agreement to pay them an alleged debt. I am also writing here because XXXX XXXX agreements is reporting an account as an installment account and it is a sales agreement please delete this account from my report immediately, thank you.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/2021 I made a mobile deposit of a little over {$25000.00}, the app indicated {$400.00} would be available immediately and the remainder would be available XX/XX/2021. I checked to see those funds were in fact released.and they were not, when I called.suddenly the hold was until XX/XX/2021, a day later than I had been told at the time of the initial deposit, with out reason or warning. I was planning to use this money today to buy a vehicle for {$7500.00}, which I can not expect to be held for me, and is deeply below value for.the vehicle. If it should be sold, I'll end up paying over {$11000.00} for a lesser model.
Consumer complaint received 2022-10-06
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. (TN)

The credit bureaus stated my account was properly investigated for a bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also 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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX
Consumer complaint received 2022-01-26
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. (NY)

Hello I am writing because I am having continuous issues with the three credit bureaus and my credit report. I have sent numerous letters to the credit bureaus and I have even submitted a few complaints with CFPB and I am now submitting this complaint again and a complaint with the XX/XX/XXXX. On Transunion, XXXX, and XXXX they're reporting portfolio recovery accounts that are in violation of 15usc 1681e-d. These companies like to get away with whatever they want. I have sent numerous letters to the credit bureaus and the only thing that portfolio will send me is a bill that is not validation of a debt. They have never provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX recovery. That means I have no contractual agreement to pay them an alleged debt. I am also writing here because XXXX XXXX agreements is reporting an account as an installment account and it is a sales agreement please delete this account from my report immediately, thank you.
Consumer complaint received 2022-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

Back in XX/XX/XXXX, I resubmitted my employer certification forms for the past 5 years essentially. ( XXXXonwards ). With the new PSLF waiver : " Past periods of repayment will now count regardless of whether you made a payment, made that payment on time, for the full amount due, on a qualifying repayment plan. '' So after i submitted my Employer certification form, I never received updated payments on 7 ineligible payments I made back from XXXX. I was told after about 3-4 months, I should verbally call for a recount. This would cost me about XXXX if not included, as I would have to make those payments later on under a different income. These ineligible payments were at a time period where there was little information given on how to qualify for PSLF. Payments as low as XXXX cents that were missed. 

I attempted to contact myfedloan multiple times, including most recently today XX/XX/XXXX. The only thing that happens, is I get transferred over to another PSLF department, and never get through to anyone. I have the ID # of the phone call if that helps, who transferred me again to PSLF department and have been waiting >30min with no person I've been able to ask for an official recount on those payments.
Consumer complaint received 2024-02-12
Product: Credit reporting 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. (OK)

I am filing this report because I discovered that there are many discrepancies on my credit report, I have noticed some unauthorized inquires on my credit report.It is totally unfair to place inquires that i do not know anything about on my report, this is a total violation of fair credit reporting and directly violated my consumer right.please kindly investigate and remove all inquiries involved. 

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 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 XXXX
Consumer complaint received 2022-11-30
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD 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 FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WORLDXXXX XXXXXXXX WORLD-XXXXXXXX
Consumer complaint received 2022-01-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Santander bank closed my account without warning and charged me a {$50.00} XXXX fee. They claim they sent me a letter about this but I never received any such correspondence from Santander. 

They are liars and they STOLE {$50.00} from my account. 

As you can see from the attached bank statement, they STOLE {$50.00} from me on XX/XX/XXXX. And then sent the remainder of my funds to the State of New York.

I filed a complaint with the New York De
partment of Financial Services but they told me I had to file my complaint with CFPB, which is what I'm doing right now. 

The bank sent me an email with a contact name and phone number. I spoke with Executive Office Advocate XXXX XXXX from Santander bank on XX/XX/XXXX. She can be reached at ; office hours are Monday through Friday XXXX to XXXX Phone XXXX She is a liar and basically assumes that I received their correspondence informing me of my accounts inactive status. But just because the bank mailed it doesn't mean I received it!
Consumer complaint received 2022-01-26
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. (PA)

I was overlooking my credit report and noticed some misinformation on it. I noticed a credit card was opened in my name using my information somehow. I never gave anyone my information or permission to use it this was not me.
Consumer complaint received 2021-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I was scammed out of approximately XXXX dollars a couple of months ago. I was promised a puppy and paid the owners of the dog. When it was time to receive the dog they didnt show up and used fake websites and accounts to reel me in. I clearly didnt get what I paid for and have now lost a lot of money to people are potentially scamming. I called Wells Fargo and they didnt help me and didnt give me any solutions or pointed me into a direction that could solve my problem. They were incredibly lackadaisical even though it was a clear scam. The names of the dog owners didnt match the names of who the money was sent to.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

Ally Financial Inc. has agreed to a settlement worth {>= $1,000,000} benefiting consumers who received notices from Ally that failed to comply with state requirements. 

Two Classes have been established : Nationwide Class : Anyone who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 
Missouri Class : Anyone who obtained a Missouri Certificate of Title from a motor vehicle identifying Ally Financial as the lienholder as a result of entering into a Covered Contract, or who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner with a Missouri address in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 

Ally also has agreed to no longer seek collection on a portion of any deficiency balance reflected as outstanding in Allys records after Ally repossessed and sold the property. 

The value of this benefit, called the Gross Deficiency Waiver Amount, will be at least {$700.00} XXXX. The amount of the waiver will vary for each Class Member, but it will be the amount of their deficiency balance or {$1300.00}, whichever is lower. 


ALERRRRRTTTTTTTTT!!!!!!! 
In addition, Ally Financial has agreed to stop occurring finance and late charges on Class Members deficiency balances as of the settlements effective date, and will request that XXXX, XXXX, and XXXX delete trade-line information on Class Members credit reports that is related to their Ally account that is subject to this settlement. 

FOR MORE INFORMATION VISIT THE WEBSITES : http : //www.allynoticeclass.com and XXXX XXXX XXXXXXXX
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-11-30
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX 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 states a consumer reporting agency can not finish a account without my written instructions
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep frustration and distress regarding the inaccuracies found on my recent credit report. Following a thorough investigation, I uncovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency has failed to report accurately. 

These errors have had a profound impact on my financial stability and mental well-being, causing severe distress and frustration. It is unacceptable that your agency did not ensure the 100 % accuracy mandated by law under the Fair Credit Reporting Act. 

I demand immediate action to rectify these inaccuracies. Your agency must conduct a thorough review of the disputed items and promptly correct any errors found. Failure to address this matter with urgency will leave me with no choice but to pursue legal action to seek restitution for the damages caused by your negligence. 

I expect a prompt response detailing the steps taken to address the inaccuracies on my credit report.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

So, I sent {$500.00} via CashApp months ago to another user in order to purchase a camera that was being sold through XXXX XXXX. Before sending the money, I verified all the information I received from this person. Everything matched so I felt secure in sending the money. I did and, a week later, I found myself without the camera I purchased so I reached out to CashApp Support. They told me that I had to go through my bank which I did. After a month or so, I was told by XXXX XXXX that they couldnt credit me my {$500.00} because CashApp fought them tooth and nail not to even though the card that was used to make the purchase was indeed my personal debit card. I reached back out to CashApp to find out why and all that was said is that theyll agree to fully cooperate with my bank which made no sense at all. XXXX XXXX had already closed my claim.
Consumer complaint received 2021-09-24
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. (NJ)

XXXX XXXX XXXX has agreed to a settlement worth {>= $1,000,000} benefiting consumers who received notices from XXXX that failed to comply with state requirements. 

Two Classes have been established : Nationwide Class : Anyone who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 
Missouri Class : Anyone who obtained a Missouri Certificate of Title from a motor vehicle identifying XXXX XXXX  as the lienholder as a result of entering into a Covered Contract, or who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner with a Missouri address in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 

XXXX also has agreed to no longer seek collection on a portion of any deficiency balance reflected as outstanding in XXXX records after XXXX repossessed and sold the property. 

The value of this benefit, called the Gross Deficiency Waiver Amount, will be at least {$700.00} XXXX. The amount of the waiver will vary for each Class Member, but it will be the amount of their deficiency balance or {$1300.00}, whichever is lower. 


ALERRRRRTTTTTTTTT!!!!!!! 
In addition, XXXX XXXX has agreed to stop occurring finance and late charges on Class Members deficiency balances as of the settlements effective date, and will request that XXXX, XXXX, and TransUnion delete trade-line information on Class Members credit reports that is related to their XXXX  account that is subject to this settlement. 

FOR MORE INFORMATION VISIT THE WEBSITES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
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. (GA)

I have sent out multiple letters to TransUnion and XXXX regarding a bankruptcy that they have published on my credit report. I have provided both documentation from the court and a copy of my XXXX report that PROVES the reported bankruptcy should NOT be on my credit report. Both agencies continue to provide me with generic responses and neither agency has responded to my multiple method of investigation request.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I have a hard inquiry opened XX/XX/2018, I am not aware of an account being opened at that time. This hard inquiry is for Brclysbankde. I already tried contacted them by phone and sent them a letter ; noting was done.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and DELETION due to inaccurate reporting in my file. 
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