davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (UT)

I am a very small business XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX I have been using SQUARE to process payments for my clients as they pay me for the labor I provide. SQUARE decides from the very beginning to start holding funds from going through or to be able to be transferred. Asked for a lot of things so I could be verified in which I provided every single one of them. And they were old grant temporary access just to take it away in less than 24 hours or lets say every transaction I had to go through this with them. Until today when after I processed a payment they then decided to deactivate my account and hold my funds stating it will not be available until after 90 days in which by law is not legal. Like I stated before Im a very small business and the money I make I use to pay a guy who helps me and has yet to get paid because of this company. 

Square is a corporation holding peoples money so they can fund their investments and payroll and expenses so they hold their funds until they can make back what they owe you and then pays you as they get their returns on their projects. 

I have tried with multiple emails and phone calls and have gotten no where or any answers from these people and no response. I am beyond frustrated. NO EXPLANATION. CANT ACCESS FUNDS. CANT PROCESS ANYTHING. NO CUSTOMER SERVICE.
Consumer complaint received 2021-10-08
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: EQUIFAX, INC. (FL)

I filed a dispute with equifax XXXX XXXX about these unknown inquiries. I need this removed this is not my debt or doing. This closed account from new horizons finance also is not mines. Please delete this from my report .inquires from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( closed account )
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After several attempts to communicate with Transunion via CFPB portal they have failed to provide me with any viable evidence bearing my signature showing the public records with my name and social on it.     Upon further investigation, I have retained new copies of my credit reports and noticed that you have overlapping dates along with the public record being removed from my file and then reinserted back. These errors have been reporting monthly resulting in credit denials due to the deformation to my file on behalf of Transunion. The said bankruptcy records are listed entirely inaccurate and represents a very serious error in your reporting.     I am maintaining careful records of this last communication with you before this matter is escalated to FTC and the Attorney General 's office that you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.     I further remind y  ou that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of Furnishers of information to consumer reporting agencies { 15 U.S.C. 1681s-2 } : ( 3 ) Duty to provide notice to dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
<P/>
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you much now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.
<P/>  Please see the attachments from   XXXX   XXXX   with my request honored to block my file as  of   XXXX   XXXX  .  You will also find documents from  XXXX   XXXX  showing the public records were removed from my file and then reinserted back to my file. You will also find a letter from the United States Bankruptcy  Court   XXXX   XXXX   of Georgia stating they DO NOT REPORT TO any credit   agencies. You will also find my Transunion Credit report reflecting how Transunion is reporting errors on my file.  <P/> I spoke with several people at Transunion  XXXX  the Supervisor who has stated they do not have any supporting documents to maintain the public records but they are not going to remove this error. I have found that Transunion will continue to break the law and violate consumers so I am now filing this formal complaint in efforts to reinforce proper actions.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (MS)

Nelnet said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to me.
Consumer complaint received 2021-10-09
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. (FL)

I sent multiple disputes through the mail and submitted a complaint thru this portal about a month ago and NOTHING HAS CHANGED WITH THE UPDATE EXPERIAN HAS SENT. Experian said they updated the dispute but absolutely nothing got removed, changed, nor updated. Literally stayed the same. I have sent multiple letters, submitted a complaint, If the next step is to take legal action using the FTC acts for reporting INACCURATE INFORMATION ON MY CREDIT REPORT, I WILL! I do not mind spending money and time on this incorrect information. I have kept a paper trail of everything I have sent off with certified mail and a copy of the letters.

A collection is by default past due, DELETE account for inaccurate reporting.

Collection is reporting with 2 different dates of last activity. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last activity. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last reported. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last payment. REMOVE for inaccurate reporting on my file.

If this is the same account being reported by the same source why is this data different? Delete account for inaccurate reporting.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There is a Public record that is not mine on my credit file. I have reached out to the company a number of times to try to get them to resolve this issue with no resolve. This is causing me anguish and not allowing to move forward with my life and is affecting my credit score in a negative manner. I want this issue handled and the file deleted immediately.
Consumer complaint received 2017-04-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

Back in 2014, I was harassed, received, and lied to by Navient. I was told repeatedly that I would not receive any kind of impact on my credit. I followed all of their instruction and made the payment amounts they told me to make and they ended up reporting 4 months of being deliquent siting it was not for the full amount. Because I have XXXX loans, they are reporting late payments XXXX x 4 no this. This has RUINED my credit. I have asked they they pull up the recordings of phone calls and they claim they can not find them or that the phone call never occurred. When I told them I would record my calls for.my own proof, they said they ca n't speak to me. I have been fighting this for 3 years. I just was on the phone with them for 2 hours. I am in tears. They have lied in their notes to make it look as if I was late. In 2014, I was threatened and told I was a lowlife that should have thought twice about borrowing money and that they will get it from me no matter what even if they had to take my assets to pay it off. That recording could never be found. If you look at my history with them, I have never missed a payment up until those 4 months in question. I had reached out to them as I was having financially difficulty at the time and repeatedly told them, I would work with them and they assured me that they would n't do anything to hard my credit. I am so glad they they are being investigated. I am a good person and minus the 36 missed pmts they are reporting, I would have near perfect credit. I recently requested that they be removed back in XXXX via email. 5 days later, I had to request again because I received no response. I emailed them again on XXXX XXXX for an update and someone FINALLY just called. Legally, they have 30 days to respond or they have to reverse it I thought? Well, they claim to have sent a letter that I never received. But after my 3rd attempt and 2 months later is the first time I actually got a phone call and an email. I am literally in tears for what they have done. I have lived with this for 3 years. Their lies, deception, harassment and unwillingness to help and or work with me is the worst feeling in the world. I even tried to negotiate to knock it down to half of the missed pmts just for ANYTHING and they wo n't. I literally feel helpless and I do n't know what I can do aside from having to live with it. To make matters worse, I have tried to get someone else to consolidate this debt and get myself away from then, and guess what? I ca n't. Because I have these 36 deliquent pmts and the impact it has done to my.credit score, it has removed that as an option for me. It 's almost as if it was done on purpose as a way to keep the debt under them and not give me any option to move it elsewhere.
Consumer complaint received 2022-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (TX)

Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2021-11-05
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: QUALITY ACCEPTANCE LLC (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, QUALITY XXXX, is currently showing XXXX days late for the month of XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and remove the current status to reflect accurately.
Consumer complaint received 2020-07-11
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: EQUIFAX, INC. (FL)

Equifax is currently doing significant damage to my credit unlike the other two agencies. They are reportIng 3 separate accounts with 60 days past due when it is impossible. They should only be 30 days past due in the months that that are showing as 60 days. Theyve also NOT removed a collection account that both XXXX  and XXXX  have removed. 
The accounts that are being affected are : XXXX XXXX ( This account is CURRENT. It was only 30 days late this past XX/XX/XXXX as specified ) It was NEVER 60 days past due in the over 2 year history of the loan!!! 
XXXX XXXX XXXX ( XXXX ) This account is current!! It was 30 days NOT 60 days late in XXXX, XXXX & XXXX of last year. This account is CURRENT XXXX XXXX XXXX ( This account is CURRENT! It was 30 days late in XX/XX/XXXX NOT 60 days ) XXXX XXXX ( This needs to be removed!! ) It was correctly removed from XXXX   & XXXX WITHOUT problem.
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I called to verify a debt that the debt collector can not validate. The attendant agreed with my findings and transferred me to the Operations Manager XXXX XXXX. XXXX did not even say hello, she immediately started yelling at me and threatening to update my account in requests that I did not make. When I asked her why she was being so rude and abusive she simply continued with the abuse. I asked to speak with her supervisor and she said he does not take calls and is never available to speak to. 

She said the call was recorded, so it would be very easy to hear the language and abuse that she treated me with.
Consumer complaint received 2021-10-09
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 (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have contacted Capital One by registered mail on XXXX separate occasions since XX/XX/XXXX, requesting a validation for account. The first being delivered and signed for on XX/XX/XXXX, On all occasions, they failed to provide the requested documentation, information, or to notify credit bureaus of the dispute. 
All steps followed CFPB examples and Capital One failed to properly validate and send me all of the documents CFPB indicated I could request. 
On all XXXX occasions they failed to notify any of the XXXX major credit bureaus that account was being disputed by consumer as required by law. 
After my XX/XX/XXXX letter requesting validation, not only did they fail to notify any of the credit bureaus that account was in dispute. But in possible retaliation, on XX/XX/XXXX they notified XXXX the account was over credit limit again. This over limit was reported by Capital One to the XXXX credit bureaus in late XX/XX/XXXX, and the account according Capital One has been closed since XX/XX/XXXX. 
In XXXX I made an on-line dispute through XXXX in regards to a separate issue about this account. At that time the dispute was reported by Capital One to XXXX and XXXX as account being disputed and that dispute was resolved. However, it was not resolved or investigated. 
At the time of the filing of the online dispute, XXXX was NOT notified this account was being disputed.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

I paid for an XXXX XXXX ticket through cash app XX/XX/2024. On the date of the flight XXXX  didnt give a reason why to flight was cancelled. I tried their flight refund option and they declined it. I went to Cash App to dispute the charge and they declined it nearly automatically. I just tried another dispute on it and have yet to hear from them. This isnt the first time Ive had purchases on my account that Ive disputed and they have declined every single one within less than an hour. Im tired of them being able to just decline any transaction and we just have to deal with it. I provided all info to Cash App but have always been a denied Disoute. Not once have they approved a dispute in the case of this or other transactions. They just automatically decline it virtually.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have sent multiple letters to the credit bureau requesting to to investigate a inaccurate account reporting to my consumer file. XXXX XXXX XXXX is the account reporting. Along with the letters I also included a FTC identity theft report. I requested the credit bureau to identify and verify the information reflecting my credit report. I have not received any response or results from my request. It has now been months and I have received zero response. According to The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, it is their duty to investigate verify any and all information reflecting the credit report. To date they have not done their duty as mandated by law. I am particularly concerned about the accuracy of the account information. I trust the Consumer Financial Protection Bureau will thoroughly investigate and address my concerns.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2017-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

One girl contacted for renting my room from the ad of XXXX that i posted. She sent me a check for XXXX dollar for rent + processing of her car transfer from XXXX. And after receiving the check i deposited it and after one day the amount was posted in my account and i transferred the money to the above account according our discussion. But after one day when my money transfer was completed, she put a hold on the check and my check was returned and the whole amount was deducted from my account. After that i contacted her and she said i needed to XXXX XXXX dollar to some other account and i didnt have the money. She force me to send XXXX dollar at last saying that after i sent this XXXX she will withheld the hold, so i did that transaction to another account. But now she is n't responding. And the whole amount was deducted from my account. I complained to the bank, they were n't ready first time to take the complaint. After that they tooka complaint and gave me a reference number. Bank even didnt notify me about the pending process in time and didnt take my request to hold the online money transfer.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc. (CA)

I had an account with cash app for over a year and did not have any issues with fraud until i needed to purchase a car. I had woke up one morning to my Cashapp account being signed out, i had troubles signing in, resulting into me having to make another account but i tried my previous account again and it finally went through. All my money was out my account and my email was changed the money was sent to an user who was one of the users i most frequently made transactions to. I called that person to confirm if they received it and they did not receive it or knew what i was talking about. I tried to refund the money with the user it said the money was sent to but cashapp told me their funds were efficient resulting in my not being able to get my money. I created multiple cases and the results were denied because cashapp saying I authorized the payment, which i did not. I want to sue and i seen you had an case open so I figured to try and see the outcome since the company does not want to say they messed up within their security to their users. I have screenshots of most of the information i told you above, contact is XXXX. XXXX if want to further this conversation
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (PA)

On XX/XX/2022XXXX XXXX XXXX XXXXXXXX unknowingly withdrew money from my account that was not authorized. This was an over payment on. A loan that had already been paid in full. I demand a full refund from Cash App, the bank that authorized the transaction. The total amount debited was {$1100.00}. This is criminal and I want someone held liable.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.