davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Made 2 purchases on my cash app card XXXX each, XXXX and XX/XX/XXXX I believe... Electric bicycles is what I purchased from XXXX XXXX XXXX I hadn't heard from them and sent numerous emails. I contacted cash app to file disputes and did but later that day got tracking confirmation from XXXX ( tracking app ) so I canceled the disputes but then 15 days later ... No bicycles! I called company..No Response and countless emails..nothing! So I contacted cash app again to follow disputes ... and they were immediately rejected ... saying company fulfilled obligations but they hadn't come and I have received nothing! Did some digging and finally found out they are not located in California but XXXX! I called XXXX post ( shipping company XXXX  ) they said it was a scam with Fake tracking numbers... I continuously called customer service cash app to file disputes and got No Where!! I had an cash app employee tell me that they had numerous, numerous complaints and disputes from that company and that they were totally a scam... If only I knew!! Then Finally they emailed something to confirm my identity which I did and then at the end of verifying it... it wouldn't send ... numerous times and then I got email saying they closed my account!! Because i didn't verify my identity but I Did and called customer service and told them and they said they received it. Then only to get emails afain saying... again my account is closed!! And disputes denied!!! Unbelievable..always had good account and in good standing and for them to do this ... Unreal..Please Help ... Thanks
Consumer complaint received 2020-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My credit score keeps on go down, Equifax wants me to purchase there products ( I wouldn't ) My house paid off I owe no money my credit cards are paid off in full each month.I have no loans my card are all paid off, no loans and my score keeps on going down.
Consumer complaint received 2022-12-16
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please REMOVE the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX XX/XX/2018 Asset Amount : XXXX
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have not given any company consent to use, report or inquire on my behalf. I have called XXXX several times to remove inaccurate inquiries and have not received remedy. 

I was given a number to call XXXX XXXX XXXX XXXX XXXX services also XXXX XXXX XXXX XXXX for inquires on XX/XX/XXXX and XX/XX/XXXX the company said they have no knowledge of an inquiry made through my name or social security number, therefore they have no way XXXX sending XXXX any information to verify the information. I called Back a XXXX time and informed XXXX of this information and the agent I talked to was very combative. They seem to have no knowledge of how I can complete my task. 

XXXX for Capital One XX/XX/XXXX I did not give consent for inquiry I was told there was no phone number for contact to verify any information.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

My phone was stolen and money was sent from my cashapp account to someone. When my phone was found and returned to me I requested refund from the cashapp app and I have not received anything back. I have asked cashapp to protect me and they said there was nothing they could do.
Consumer complaint received 2022-01-16
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: PENTAGON FEDERAL CREDIT UNION (TX)

I opened a savings account via PentagonFCU website on XXXXThen via phone call, a Checking, Line of credit, and XXXX  with Pentagon Federal Credit Union on XX/XX/21. During that call they needed to run credit for the XXXX  and the XXXX. I asked if this was going to be 1 inquiry and was told yes. In seconds the credit was pulled and no issues. XXXX  was approved instantly as was the XXXX. I was opening all of this because they advertised a very low interest fixed rate XXXX on their web. My score is in the XXXX 's with 1 inquiry that was dropping off in XXXX With my score high and almost no debt, expected the good rate. On that same call, they came back with an outrageous rate around 15 % for the XXXX. I cancel the XXXX  application and initiated the termination of all accounts. I was going to switch credit unions but felt offended, bait & switched by them and their interest rate. A few weeks later I checked my credit report and find that they have dinged my credit twice, once for the XXXX and once for the XXXX. I called them and filed a dispute, telling them that I was told only one inquiry would take place during that initial call. The dispute has taken over 90 days. I have called multiple times and seem to get nowhere. I even told them I'm ok with one inquiry but they need to remove one. I've been told in XXXX, via a call into Customer service that the sent a letter to me with resolution but I never got it. I called back to get another sent but still no letter. These now are the only XXXX inquiries I have and would like 1 removed. I don't understand how they could ding me twice for the same institution, on the same call. They should have centralized credit instead of each department pulling credit needlessly.
Consumer complaint received 2022-10-07
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and TransUnion credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$79.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00}, XXXX XXXX XXXX XXXX XXXX  VA XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-10-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

My original mortgage was bought by Freedom Mortgage Company. My mortgage with them started in XX/XX/XXXX. My original mortgage amount is {$1400.00}. I made the following payments : XXXX XXXX & XXXX, however, missed XXXX payment. In XX/XX/XXXX I made both XX/XX/XXXX and XX/XX/XXXX payments. Then I made my payments regularly in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX. I was always charged late payment fees of XXXX $ though most of my payments were made over the phone with the Freedom Mortgage Company either on the XXXX ( due date ) of the month or earlier, however, I still was charged XXXX $ late payment fee. The Freedom Mortgage Company did not credit my payments to my account with them and kept sending me letters of no payments and the last one was on XX/XX/XXXX showing high delinquency and outstanding amount of XXXX. I communicated in writing and over the phone with Freedom Mortgage Company and sent all bank statements showing that money was received by them. They kept giving me different scenarios of no sufficient funds in my account and wrong routing & bank account numbers. They raised my mortgage from the original amount of {$1400.00} to {$1800.00} claiming that there is a shortage in my escrow account. I sent them an XXXX sheet that shows all the payments as well as all the bank statements to prove the payment. On my online dashboard with them it shows that I made all the payment, however, they still claiming I did not make the payments. On XX/XX/XXXX, they sent me a letter confirming receiving the payments till XX/XX/XXXX. I made an XXXX payment as well. However, I received a call from them today XX/XX/XXXX confirming that I am delinquent for {$10000.00} and that I did not make my payments. I did not pay XXXX and XX/XX/XXXX. I requested to differ these payments as they suggested as well as XX/XX/XXXX payment, however, I was told today that they do not differ payments. They will rewrite my mortgage and interest rate will change based on my credit score. They were reporting me to the credit bureau since XX/XX/XXXX every month for no payment. This damaged my credit score completely and dropped me below 500. I have proof of all payments, letters, screenprints of my online dashboard with them to provide you to help investigate this matter. I need all my payments to be entered into their system. As compensation, I kindly require XXXX, XXXX & XX/XX/XXXX payments to be deferred to the end of my mortgage and send a letter to the credit bureau confirming that they reported me falsely. 

Note : They had {$520.00} and were put in an unallocated fund account as they called it. They applied this amount to my {$2500.00} In XXXX to cover both XXXX & XXXX Payments. 

Now I have {$1200.00} of the unallocated fund as you will see in the XXXX statement Thank you XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter. Tell them to provide dispute results.
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I received notification today via mail and email that a collections account was opened under my name with XXXX for past due charges of {$3600.00}. After speaking with XXXX and the debt collector company, Credence Resource Managment, they provided details that 4 phone lines were opened in XX/XX/2022 under my name. I did not open these accounts nor do I have cell service with XXXX. I use XXXX for XXXX and pay the bill in full every month. 

Credence is sending me a packet to submit proof of identity as well as how to file a police report for identity theft.
Consumer complaint received 2021-09-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. It is now over 60 days and I have yet to receive a response. I feel as if I am being taken advantage of and ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been over 60 days so the items should be removed promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. This is totally unacceptable.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies XXXX and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have recently applied for credit twice and both times I have been denied due a public record recording on my file. I am attaching the most recent denial that states the only reason I was denied credit from XXXX was XXXX A credit obligation related to a bankruptcy or financial couseling plan was recorded on your credit bureau report. 

I have spoken to a XXXX XXXX supervisor who stated there is a bankruptcy showing on my credit report. 

I have submitted a letter to Equifax in XX/XX/2019 indicating I do not have a Bankruptcy in my name from the county on file. As of this compliant, this bankruptcy is STILL on my credit report. This bankruptcy just recently appeared on my credit report within the last year. 

I further disagree with the risk factors Equifax is reporting on my reports : There is a bankruptcy on your credit report Lack of sufficient credit history The balance amount paid down on your open student loan accounts is too low
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX is reporting the balance twice on credit report. That is redundantancy. It should not be listed in comments, it's already established in the appropriate location on report Under Balance. Please remove this disgraceful company from my credit report immediately.
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (VA)

I have direct deposit through cash app. My paycheck was deposited this morning and the service worked fine until around lunchtime today ( XXXXXXXX  ). Now the site is completely crashed ( app also ) and there has been no communication from cash app to its customers. There are potentially billions of dollars that they have charge of and they wont even answer the phone. Its all I have and Im really worried.
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I met this guy on XXXX that was a mobile body shop. I sent him a picture of the dents in my car and he said that he could remove them. He came to my home and placed some pink paste on the dents. He told me that I couldnt remove the paste for 48 hours. He wanted payment prior to the paste being removed. Once I removed the paste, I realized the dents were still there. I contacted him and explained and he said he would come the following week but I told him I was in the process of selling my car and wanted a refund and was willing to accept a partial refund. He stopped responding to my messages and eventually blocked me. I reached out to cashapp and sent screenshots of our text and photos of my car so that I could receive a refund. Cashapp is saying they cant refund me due to payment being completed after I explained to them that I was scammed.
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)

In according to the Fair Credit Reporting Act the following account has violated my rights.

15U.S.C. 1681 Section 602A states that I have a right to privacy.

15U.S.C. 1681 604-2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

After reviewing a copy of my credit report I have discovered many account AND INQUIRIES that do not belong to me. attached you will see said accounts and inquiries that must be removed from my report.

I have contacted the creditor and Transunion on several occasions with no results. it is clear that the account is reporting inaccurate at the least and after pointing this out to the Transunion they still fail to do their due diligent as required by FCCA. attached you will see a copy of this account as it shows on Transunion and I will highlight the clear discrepancies. after speaking with XXXX they agreed that I was never late and indicated that they have already in the past instructed Transunion to update their record but to no avail.
Consumer complaint received 2022-10-07
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
we've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
USDOE/XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2022-10-07
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC (MA)

I leased a car from Volvo Financial services. 
Almost immediately the car had mechanical issues. the car was a total of 18 months in and out of the Volvo. 

When finally the Volvo customer service addressed and gave me compensation ti was not reported to the credit agencies. 

I did not have the car in my possession and this should be reported to the credit agency. 

Unfortunately was not reported correctly and have very negative impact on my credit report
Consumer complaint received 2023-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

XX/XX/XXXX at XXXXXXXX XXXX to XXXX XXXX. Payment to XXXX XXXXXXXX on CASHAPP. I've contacted my bank and my bank told me that they couldn't assist me in any way. My best solution was to contact CASHAPP customer service. Cashapp customer service told me to fill out some information. Once the info was all filled out, they me they couldn't refund me the unauthorized charge sent me a link to find out why I wasn't refunded, and gave me a case number. The link sent me to an email that needed my case number. After sending my case number, I never received a response back. It's been a couple of days and I resent my case number. To no avail, the cooperation has completed ghosted me.