davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (OR)

I discovered a atm withdrawal on XX/XX/2023 from my cash app account in the amount of {$87.00} I immediately began to look for my cash card and couldn't find it anywhere so I reported that the transaction was not authorized I believed that when doing this they had deactivated the card cause I was prompted that it was required when reporting card as stolen. Then around XXXX pm on XX/XX/2023 I received another notification of a withdrawal in the amount of {$47.00} I have cancelled the card now successfully but I can't seem to report the transaction through cash app now
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. (NY)

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 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 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, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 (NM)

Captail One had a data consumer breach and failed to inform me ; Capital One Data Breach Settlement, otherwise known as In re : Capital One Inc. Customer Data Security Breach Litigation, Case No. XXXX ( XXXX  ). As a result, nothing was given to make sure my data was secure- as a result my credit score went down as a result of this data breach.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING THESE MISTAKES ON MY CREDIT FILE.
Consumer complaint received 2019-10-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (AZ)

Original Creditor : XXXX XXXX XXXX XXXX Date of Service : XX/XX/2016 This debt in question of {$9400.00} was paid through XXXX XXXX XXXX XXXX of Illinois medical plan. Any and all amounts or out-of-pocket expenses have been paid and settled accordingly. 

XXXX XXXX XXXX XXXX has since sold this account to another agency XXXX XXXX XXXX XXXX and placed with MBA Law for collection, and forfeited their right to collect any further money from me.
Consumer complaint received 2022-01-14
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)

TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date openedXX/XX/XXXX BalanceXXXX StatusClosed. {$590.00} written off. 
XXXX  Potentially negative Date openedXXXX Balance- StatusClosed. {$190.00} written off. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$5400.00} StatusAccount charged off. {$5700.00} written off. {$5400.00} past due as of XX/XX/XXXX. 


The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

Hello, This complaint has to do with ATM deposits I made with through Chase ATM 's. 
On XX/XX/2021 at XXXX I deposited {$600.00} dollars into a Chase ATM. I was given a receipt and told to call Chase regarding the deposit to be sure it was successfully made. 
On XX/XX/2021 at XXXX I made another deposit of {$600.00} dollars into a local Chase ATM, and was given the same prompt to call Chase. The same day, I tried to make another deposit at XXXX at another location, since I needed my funds to show in my checking account for inventory purchases for XXXX XXXX XXXX. 

I called Chase and was told my money would show in my account, and for one of the deposits I made it did. However, for the other deposit I was given a temporary credit, and the last deposit I made a claim was never made until I called back to figure out where my money was after two days. Even then, I was hung up on more then once, and was told a claim was never filed, then it was, then there was system errors. Finally I was able to talk to a supervisor who told me he just helped a lady with this issue and that it can happen more then frequently and assured me it had nothing to do with my debit card. After all my encounters with Chase, this man was very nice, and instructed me I had to call the branch where the money was deposited. Upon doing so, the branch would not assist me and neither would the Claims Department when I called back. Which is very unfortunate because of this, I missed the opportunity to have a cash outlay of more then {$20000.00} selling merchandise for XXXX XXXX XXXX. 

Because of this, I've stopped placing as much funds into my Chase account and when I do make deposits I record the transaction on phone so if a dispute arises I'll have video evidence.
Consumer complaint received 2022-11-30
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. (TX)

I contacted all the major credit reporting companies about the accounts listed below that is fraudulent accounts. I already sent them my police report and they still have refused to remove the accounts from my credit report. 




XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$15.00} {$15.00} {$15.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$930.00} {$930.00} {$890.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1000.00} {$1000.00} {$1000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$30.00} {$30.00} {$0.00} Payment Status : Late XXXX Days Late XXXX Days Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1300.00} {$1300.00} {$1300.00} No. of Months ( terms ) : - - - High Credit : {$1300.00} {$1300.00} {$1300.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - -
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2018, I traded in a vehicle to a dealership that I am currently involved in litigation with. At this time, my credit account with the credit union in question was current. I found out weeks later that the dealership had not paid the vehicle off. I made the credit union aware of this dilemma numerous times and yet, the account was still reported late to Experian, XXXX, and XXXX. 

After the dealership finally paid off the vehicle, ( after having it in possession for almost 2 months ), the credit union updated my credit reports to show the account closed and showed it to be paid in full, yet the " payment status '' on all three reports shows as currently late. I have disputed this account with all three bureaus, ( Experian twice! ) and the credit union has verified inaccurate data. Unfortunately, this now makes them liable for damages to be pursued under the FCRA, FDCPA, and the TFC. This false reporting has placed a tremendous stress on my finances, ( as I was in the middle of a mortgage loan when this hit ), and has taken a severe toll on my health and well-being. 

These complaints are also being reviewed by my attorney who is handling the case with the dealership in question as well.
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 — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently saw a copy of my credit file and was shocked to see the mortgage reporting inaccurately. I was NOT late XXXX or XXXX with XXXX XXXX. 

I also thought due to the cares act if you needed help XXXX it wasn't to show late payments. Why isn't this being followed? My report shows late XX/XX/21, XX/XX/21, XX/XX/21 and I was NEVER late XX/XX/21 and XX/XX/21 Please help get this corrected. I disputed and nothing has happened
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

In XX/XX/XXXX I requested PEOPLE, S UNITED BANK to lower my 7.25 interest rate. 
During that same month, I was being an incorrect amount. Upon seeing this, I immediately called the bank. I was told that was correct amount. I called numerous times, it was correct. so by XX/XX/XXXX, loan defaulted per PEOPLE.S UNITED BANK. I then was told that, I would have to wait for a XXXX XXXX, who was not there a for a week.This is how the nightmare started. I was able to get a XXXX in XX/XX/XXXX. Which bought my account current, also equity that I had available,. At same time my parents home who are both deceased, their house was also in foreclosure which I was trying to stop. Their house, which was bought in XX/XX/XXXX. That house was already paid off, my mom took a home equity loan on the through the same bank I use. So yes, PEOPLE 'S UNITED BANK took my parents home XXXX and PEOPLE 'S UNITED BANK is currently trying to take mine. the home equity loan my mother got was a predatory loan because in the long run she would not be able to make payments, and this is where my house comes in. The equity in my house could of dealt with the situation. 
So I begin to foreclosure clinics, and was told the only thing I could do was BANKRUPTCY WITH XXXX XXXX. She never told me I had equity in my house. 
This been horrific time for me. The bank took all my equity in legal fees, they offered loan modification that I could never afford the biggest XXXX per month, I have kids and XXXX dogs whom I removed abuse situations. They never allowed me to use equity at all. The bank refuses to talk to me. I was also told by XXXX XXXX no bail outs
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Deed of Trust ( Page 5, Funds for Escrow Items ) nowhere mentions that Original LTV ( not LTV ) must me < 80 % for closing escrow account ( attaching FYI ). 
My property LTV < 80 % : -as per XXXX county appraisal ( for 2019 Property tax ) - Mortgage appraisal done by you for which I paid out of pocket The purpose of paying {$600.00} for mortgage company 's appraisal recently was to get away from escrow account, so I can pay single payment for my property taxes every year. You are contradicting your own letter where you were telling that escrow account can be closed if LTV < 80 % ( not original LTV, attached 53LTVLetter document FYI ).

If your argument of original LTV ( not LTV ) < 80 % for closing escrow account is correct, please provide me document evidence i.e copy of escrow account disclosure. I requested for a copy of my escrow account disclosure that I signed or initialed at time of closing however even after 3 months I haven't received it neither my escrow account closed. As a customer I tried to reach them multiple times ( even tried to reach XXXX XXXX who's working on this case since 3 months ) and requested for escrow account disclosure but they never sent me a copy. 

Thanks, XXXX.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Last XXXX I received a wire transfer of XXXX that was transferred to XXXX XXXX for XXXX reasons. XX/XX/XXXX Bank of America closed my accout and XXXX XXXX returned the money back to Bank Of America and a year later they still won't return the XXXX and have made several different claims on why which has proven to be fakse. Bank of America refuses to give me my XXXX and XXXX from last XXXX. Bank of America claims XXXX XXXX that XXXX XXXX never returned the money tothem, whichis false on XX/XX/XXXX I received a XXXX check sent by UPS proven by the documents attached to this form. Further XXXX XXXX returned the money to them on XX/XX/XXXX which shows that Bank of America statement is false again Bank of America is going to answer back that the funds were available at a financial center even though I received a letter fromthem statingthat the funds would not be returned to me. They also claimthat XX/XX/XXXX I went to XXXX XXXX XXXX and purchased a cashiers check in the amount of XXXX, why would I purchase a cashiers check for XXXX and not for the whole amount and how can I purchase a cashiers check in XXXX but received one in XXXX thru UPS, even the proposed form was blacked out in key parts and the check says purchased by Bank Of America plus I have never stepped one foot in XXXX because it's over 200Milesfrom my home andthereare much closer Financial centers near me. It proves that they have stated false and Fabricated information for their own mistakes. During this whole process, I have yet been able to get a hold of anybody in Bank of America to discuss these things bytelephoneor email. My calls are forwarded to a voice mailbox and never returned .They have avoided all forms ofcommunication except when a complaint is filed, then they send a letter stating false information and have changed there story several times to accommodate them.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (PA)

I applied and was approved for a Chase Disney Credit Card in XX/XX/2019. Three weeks ago I received a letter from Chase Credit Card Services informing me that my card was cancelled with no reason or explanation as to the cancellations. I carried no balance on the credit card at the time of the letter an promptly paid off all charges when due. My credit score is above 850 and I have numerous cards from other banks and credit card issuing companies. I sent a letter to Chase Credit Card offices in XXXX Ohio asking for a written explanation for the cancellation. Last week, I received a call from Chase offering no real explanation as to why the card was cancelled. When I pressed for an explanation, the agent abruptly hung up on me. I still have no explanation or reason, but this could harm my excellent credit rating. Credit card companies should be forced to tell you why your card was cancelled and not be so evasive and underhanded. I would like the government to look into this matter. Thank you.
Consumer complaint received 2018-06-28
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. (TX)

I have two creditors that are listed on my credit file with Equifax reporting agency. The listed creditors are a result of fraud. I have asked Equifax to block these creditors from my credit file as I am entitled under the Fair credit act to ask for companies of any fraudulent activities to be blocked. 
Equifax has refused to place the block as requested. I am asking for a written notification to why my request has been refused by the credit reporting agency. 

The block was requested for the following companies. 
1 ) XXXX XXXX act # XXXX 2 ) XXXX  XXXX act # XXXX I have submitted all documentations from law authorities as well as my personal identity verifying my identity. 
I would like to receive a written notification of explanation to why my request has been blocked from fraudulent activity in my credit file. 

I did not request for re investigation. However, upon receipt of re investigation I would like for my rights to be granted under the fair credit act, for creditors to be subjected to supply credit reporting agency with sufficient information regarding contract. I am requesting for Eqifax to verify Accuracy of my identity compared to creditors application as well as identification they have on file for me in relation to claimed debt.
Consumer complaint received 2022-01-14
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. (OH)

On XX/XX/XXXX I applied for a secured credit card through XXXX XXXX. After my application, I discovered my twin brother 's credit file is showing on my credit report. I contacted XXXX on XX/XX/XXXX and they explained I would need to mail in information to verify my identity, however they did not specify all the documents I would actually need. I mailed the information on XX/XX/XXXX. I never received any confirmation so I called XXXX again on XX/XX/XXXX and they assured me it would be fixed in five to ten business days. I reapplied for the secured cc and discovered my credit file had still not been corrected. Today on XX/XX/XXXX my banker and I called XXXX after being transferred multiple times and hung up on just to find out there were no notes or updates on my credit file. I would have to resend the documents and call again for an update in five to seven business days. I also tried to contact Experian and XXXX on XX/XX/XXXX. XXXX did not allow me to speak with a representative due to the call volume being too high and advised me to call back later. I tried to dispute my credit file online with Experian online and by calling on XX/XX/XXXX but was not given the option to actually correct my credit file. I have been told this is a common error but not my error, to begin with. I just want to fix my credit file so I can start building my credit. This has been a major inconvenience and I have not been helped in any compacity by any of these credit bureaus. I am starting to feel defeated and possibly am being discriminated against by me being a young XXXX American man.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

I submitted a dispute online with EXPERIAN on XX/XX/XXXX against XXXX XXXX. Experian said they completed their investigation XX/XX/XXXX. Experian is still reporting my my account as 30 days past due. My monthly bill is due on the XXXX of each month. I paid my XXXX bill XX/XX/XXXX by money gram in XXXX as XXXX requested. At time of payment my account was 27 days past due ( see attachment ). XXXX has updated my information correctly sending in the same information to both consumer reporting agencies. EXPERIAN is also reporting my XXXX payment as PAST DUE when my bill for XXXX is due on XX/XX/XXXX ( see attachement ). On XX/XX/XXXX I told XXXX  REP XXXX that I will make XXXX payment on XX/XX/XXXX. Which Again that will not make me 30 days past due. This is deformation to my character and a violation UNDER. 6802. Obligations with respect to disclosures of personal information. states " that furnisher must not furnish inaccurate consumer information They broke that law In accordance with the fair credit act!