davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-15
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)

Ive contacted XXXX  XXXX numerous times to report Im a victim of identity theft However they are not doing anything. They keep claiming its mine without proving any information. This is not mine and needs to be removed.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NY)

On Sunday, XX/XX/XXXX about XXXX I received an email informing me that Square is closing both my checking and savings account due my business being high risk. Im a grass mowing business and all I did was purchase stamps from a local supermarket to send out invoices. 

That isnt my main complaint though. Square can keep their service. 

However ; I have 9 checks from my customers that was expecting to transfer into my account that week into the early part of the following week. 

I want to know the following information about these checks ; 1. ) Did they clear? 
2. ) Will they be added to my current checking balance of {$180.00}? 
3. ) Were they rejected and returned to the issuer? 

Ck # XXXX for {$33.00} deposited on XX/XX/23. 
Ck # XXXX for {$220.00} deposited on XX/XX/23. 
Ck # XXXX for {$38.00} deposited XX/XX/23. 
Ck # XXXX for {$150.00} deposited on XX/XX/23. 
Ck # XXXX for {$100.00} deposited XX/XX/23. 
Ck # XXXX for {$66.00} deposited on XX/XX/23. 
Ck # XXXX for {$12.00} deposited on XX/XX/23. 
Ck # XXXX for {$100.00} deposited on XX/XX/23. 
Ck # XXXX for {$25.00} deposited on XX/XX/23. 

These 9 checks total {$740.00}. 

Im also simply adding the current amount of my Square Saving account so that theres an official governmental document stating the exact amount. Which is {$5100.00}. ( My trust in your institution is non existent after you pulled this stunt. ) Lastly, I want to know exactly what caused my account to become flagged as high risk. And if you can not provide that information I want my funds to be unlocked immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

well i was watching the news and they was talking about XXXX reporting the wrong information for millions of people and that everyone who was impacted by this credit score drop or raise by XXXX points so i then went and check my credit score and noticed my score drop by XXXX points and I had 8 Inquiries and 1 account that I did not authorized I then called XXXX and told them about the inquiries and they told me that they are sorry but the inquiries will stay there for 2 years and that they could not take it off only if i had a FTC report is the only way they can take it off the inquiries are ( 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 XXXXXXXX
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OH)

Navient has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
Navient also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total
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)

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Experian, XXXX and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802.
Consumer complaint received 2019-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service. 
On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card. 
A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address. 
On XX/XX/2018 I called KOHLS/CAPONE @ XXXX and spoke to XXXX a CSR and XXXX whose in Fraud, who did give me a future contact number of a dispute line XXXX and a Fraud fax line of XXXX. 
During that call I informed them that my identity had been stolen, I did not apply for the card/account, they have a fraudulent application in my name. I gave my name and personnel information, notified of my actual address and a phone number so that I could be reached in the future. 
They confirmed the location of billing address at XXXX XXXX XXXX XXXX and the last four numbers XXXX in the contact phone number. They said they would start an investigation, though they would not provide me with any documents to assist me in my own investigation, not a receipt or copies of my application or the agreement that I'm to be held for regardless of what may be laid out in the UCC. and the investigation would take thirty to sixty days to resolve the discrepancies.. 
That call was @ XXXX for 20 min. 25 sec.
Consumer complaint received 2019-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

After making a single sale on XXXX, PayPal froze my account and created an error described as " Your account access is temporarily limited ''. I was not notified that my account was frozen by any means ( call, text, email ), and only until I attempted to make another sale was I notified of the account freeze. 

I use paypal for multiple reasons including payment to friends, business transactions, and selling goods on websites such as XXXX and XXXX, where paypal is the only verified account that can be used to sell goods on these sites. 

Since XX/XX/XXXX, I've been attempting on a daily basis to have my account reopened. On XX/XX/XXXX, I submitted my driver 's license and a copy of a receipt for the good I sold on XXXX. I was told within 48 hours it would be reviewed and resolved. 

On Thursday, XX/XX/XXXX, I noticed my account was still locked. I called paypal ( since they have no chat option ) and the estimated wait time was between 1 hour to 1.5 hours. I received a call back and was told a ticket was put in to escalate my issue and that within 24 hours it should be resolved. 

On Friday, XX/XX/XXXX, I called back as my account was still locked and was told " the ticket had been closed '', but given no reason why. The call center rep informed me that the issue would be resolved and that I would have immediate access to my account. Both times I was speaking with call center agents in XXXX XXXX. 

As of today, XX/XX/XXXX, I still do not have access to my account and am attempting to call back again. This delay has hampered me in selling goods on websites that require PayPal, and I still don't understand why my account was " limited ''.
Consumer complaint received 2018-01-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (IN)

Ive had a PayPal account for years without a bank account attached. Recently I attached a bank account as a means to expedite withdrawing money from my PayPal balance. PayPal inappropriately and without authorization or knowledge debited my account for a refund i had processed. I was instructed by PayPal to link a back account to fund my account for the refund, which I did, {$400.00}. In addition PayPal debited my account for {$380.00} for the refund. So {$780.00} was debited from my bank account for a {$380.00} refund. Now- PayPal refuses to allow me to unlink my bank account from my PayPal account. They cant be trusted to apply legitimate accounting principles or be trusted. Ive requested NUMEROUS times fo them to unlink my account, the only response i get is auto generated not specific to my request and complaint. PayPal accounting practices and principles should be investigated. In the short term I would like for the FTC to order them to unlink my bank account. Ive offered to link a credit card in place of the bank account, to date, no response.
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: Experian Information Solutions Inc. (GA)

I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Bank of America denied my claim for fraudulent use in the amount of XXXX after being a platinum customer with them for over 23 years. The first time I lost my debit card and someone used it to withdraw thousands of dollars - Bank of America failed to send me any security alerts. After making the claim - BOA ran surveillance videos of who was using my card at the atm and determined it was a male with a baseball cap - ( by the way I am a female ). Even after running the videos and seeing it was not me .. they still denied my claim stating they do not have enough information to be liable.
Consumer complaint received 2019-01-05
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. (OH)

For 3yrs, i have notified the CRAs of fraudulent information on my credit. For 3yrs they just reverify ... everything ... so on XX/XX/18 i sent an internet to sue letter. They're response was ... ... they now report i owe over 1 million dollars in student debt! I really owe XXXX per my monthly statements. One of these student loans shows me 120days late from the day it opened ( while i was in school/ deferred ) My life has been affected in so many ways ... where i live, where i work, what i drive, where my kids vacation, my self esteem and my health. 
XXXX XXXX XXXX keeps moving my last activity date forward and checked my credit to file a lawsuit against me. 
Being rude and impossible to talk to. 
I have a recent XXXX collection but have been with XXXX for 5yrs! I have a first XXXX credit card collection that was never mine ... 
No one will provide me evidence of where there getting these from. 
XXXX reported me 30 days late and i wasn't..i disputed it..so they updated those months to current then reported other months late! Causing me a credit score decrease of 60pts
Consumer complaint received 2023-08-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (NC)

My employer opened an account for me at Optum Bank in XXXX, XXXX. I did several deposits and had an investment account with them. I was able to access my account back then. 
In XX/XX/XXXX, a new employer opened a new account for me with Optum Financial. It turns out Optum 's system does not allow two accounts with the same SSN so they closed my account with Optum Bank. 

I didn't pay much attention until I needed the money recently and was not able to access my old account. 

I called them several times ( transferred 6 times from Optum Bank to Optum Financial and vice-versa ). I was on the phone for FOUR hours between waiting times and their terrible customer service. 

I was able to partially retrieve some money - just the HSA money that was not invested. I can not see any of the statements or transactions from that account either. They told me the investment is with XXXX XXXX. 

So two big problems : 1. I was not contacted when they closed my first account ; 2. They are withholding my money. 

If they were able to close the account they should at the very minimum notify the owner so the action can be taken. They had my email and phone number and have sent me other notifications throughout the years.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Three problems : 1. I asked that a Fraud Alert be removed. They said it had. It has not. I need the fraud alert removed. 

2. Due to an apartment fire, I was moved from XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, GA XXXX to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I was told over the phone the address would be corrected to XXXX XXXX. It is still wrong and shows XXXX and that is creating a problem. I need the Apartment number corrected to XXXX. 

3. Experian has my credit score at XXXX. The other bureaus have it at XXXX and XXXX. I have reviewed my credit report with Experian and see no reason it should be lower. After an extended delay Experian sent me a letter that they could not understand what I was asking for and closed my file. No attempt was made to reach me by phone. I can not reach a representative at Experian. They won't connect me to a representative and state that nobody is available. They may doubled reported an unsatisfactory account. I need them to manually go it and review my report and correct my score. Two reports were made for XXXX XXXX XXXX XXXX in XXXX, XXXX. I did file for bankruptcy.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (SC)

Cash app is experiencing a technical issue. The issue has prevented me from unlinking my personal bank card from cash app. The app has also blocked me from skipping the option to add an additional bank account card. I can not navigate into my cash app account unless I provide an additional personal bank card for linking purposes which this issue has never happened. I selected the option for cash app to never use my location. Cash app disregarded my request to never use my location and instead provided me with my location. I strongly believe a security breach took place and consumers personal information may have been compromised. Cash app recently experienced a breach that allowed every and anyone to use their cash app account without funds being available. I have reached out to cash app regarding this issue and was informed someone would get back I touch with me later.
Consumer complaint received 2023-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (VA)

CashNetUsa is trying to collect a debt in which I never did any type of business with this entity. This company does not appear on credit report. This is a fraudulent account. This company is trying to take advantage of me because of my XXXX.
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc (MO)

MCA Management Company is reporting a debt not owed to my credit report. I have filed disputes three times. Debt is a result of a legal action for a person with a similar name to me. I have sent the court records that I obtained from the XXXX XXXX XXXX XXXX to the dispute and it keeps getting confirmed.
Consumer complaint received 2020-02-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (IL)

My fiance and I currently own a home together, we have for the past 3 years. Our names are held jointly on both mortgage loan and title. Not being legally married was not an issue with my current lender. We are in the process to refinance with a VA backed loan. We applied jointly for the VA loan, and were denied on XXXX XXXX, XXXX since we are not legally married. So, we went ahead with the loan application with only my fiance 's name on the mortgage. I was told that since both of our names are already on the title of the house that that wouldn't change ... my name would still be on the title of the home, but not the refinance loan. I was ok with that. But I get news yesterday ( XXXX XXXX, XXXX ) that in order to close on the loan, the VA wants to take my name off the title and list only my fiance 's. We already own this home jointly. I feel that I am the victim of discrimination based on marital status. I have done some initial research, and everything I have found so far says that it is illegal to discriminate based on marital status. The ECOA, FHA, and FCRA all state that this type if discrimination is illegal. Can you help me in any way to find out what I can do about this?
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXXt 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 2020-12-15
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: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
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: CITIBANK, N.A. (NJ)

1. In accordance with the fair credit reporting act XXXX  XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX accordance with the Fair Credit Reporting act Credit Inquiries : IN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN 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 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 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: BARCLAYS BANK DELAWARE (NJ)

1. In accordance with the fair credit reporting act XXXX  BARCLAYS BANK DELAWARE, has violated my rights.

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states 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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

This account is reporting inaccurate and incomplete information XX/XX/2023 no data XX/XX/2023 no data XX/XX/2023 no data XXXX it's reporting charge off this is inaccurate Update to paid in full and never late Also this account was sold to XXXX company and paid on XX/XX/2023 Update or delete immediately