davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called Transunion on XX/XX/XXXX regarding credit inquiries that i never authorized. I froze my credit report do to banks running my credit without any signature or authorization by me. I bought a car back in XX/XX/XXXX and had already been approved by my credit union with a great low interest rate. I clearly told the dealership that i did not want them to pull my credit since i already had a bank to lend me a loan. They said it wouldnt be a problem and that they wouldnt run my credit. Well some how they still were able to add multiple inquiries without my authorization, which is a violation of the Fair Credit Reporting Act Section 1681b ( c ). I further remind you that, as in XXXX v. Trans Union XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), Transunion may be liable for their willful non-compliance. I spoke with a supervisor over the phone and told them i wanted the inquiries removed and they said they had to stay on my credit report for 2 years. That is clearly false since we know they have violated the law. I am demanding that Transunion remove the inquiries below : 1. XXXX XXXX, XXXX XXXX, PA XXXX. Pulled on XX/XX/XXXX 2. XXXX, XXXX XXXX, TX XXXX. Pulled on XX/XX/XXXX 3. XXXX XXXX XXXX, XXXX, Tx XXXX. Pulled on XX/XX/XXXX. 
4. XXXX, XXXX, TX XXXX. Pulled on XX/XX/XXXX. 
5. XXXX, XXXX, TX XXXX. Pulled on XX/XX/XXXX. 
6. XXXX, XXXX, PA XXXX. Pulled on XX/XX/XXXX.
Consumer complaint received 2024-04-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Block, Inc. (NC)

I have had a Cash App account sine XXXX. On the features is to " add cash '' at on their authorized retailers ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX or XXXX ) via barcode. This feature was removed without notice. I did not get an email, I did not get letter, I did not get a notification text, I did not get anything. 

I started my complaing process in XX/XX/XXXX directly with Cash App and moved on to the XXXX XX/XX/XXXX. 

Cash App refuses to give a reason why they took the " add cash '' feature away. According to their terms of service, a feature can be removed or account be closed due to violoation of the terms of service aggreed upon once card is is active. 

I've done nothing. Each " advocate I spoke with stated the " add cash '' feature via barcode on my account is active and there is nothing on their end preventing me from using the feature. 

I submitted screen grabs showing the error message and the chat response in the support section of the app. 

I've been promised phone calls and email from " management '' or " tech support. '' They pass my case along to someone working from home repeating the same lie from the same script. ALL AUTOMATIC notifications for Cash App stopped once I filed a complaint with XXXX.
Consumer complaint received 2017-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CO)

XXXX XXXX Applied my last payment of {$57.00} paid on X/XX/3017 to someone else 's account resulting in this hitting my credit report dropping my credit score by 29 points. 

I have contacted them and made it clear that this needs to be removed immediately and the 29 points need to be put back. They stated this could take 7 to 10 days And I 'm in the process of purchasing a brand new home with my husband. 

When trying to reach out to the credit agency CBE it States that no one is available. This is inexcusable. Not only did I leave a forwarding address but clearly the bill was paid in full.
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

The lender has failed to respond to our QWR and Notice of error request sent on X/XX/17 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. By not responding and postponing the sale date the lender is not allowing an adequate review and assistance to be provided to the client
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I disputed transactions against my account. After learning that my claim was denied, my account was frozen. After being on hold for over an hour, I am informed that my accounts are being terminated and all finances will be mailed to my address. My funds are no longer accessible ( who knows how long it will take to get by mail ). The termination was given with no notice. 

To make matters worse, I had scheduled a payment with the IRS for my federal taxes prior to this. The IRS can not cancel the payment and my bank is not letting my funds go out ( except in a check to myself ). I additionally have a mortgage to pay that I no longer can and I was receiving funds into this account from my employer via direct deposit. I currently can not get paid.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

This company ( ERC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1000.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2017-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

Credence Resource Management LLC sent me a debt collection letter for an alleged debt I do not owe. When I called and spoke with them they were rude and hostile which is a flagrant violation of the Fair Debt Collections Practices Act. I have never heard of Credence Resource Management LLC nor do I owe them any alleged debt. I do n't want any further communication from them in any form. Their hostile debt collection tactics are flagrant violations of the Fair Debt Collections Practices Act.
Consumer complaint received 2020-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been a loyal customer of Bank Of America for years now, since the day i turned XXXX with no issues. Im almost XXXX. Earlier this year I had {$900.00} fraudulently taken from my account a couple weeks before I XXXX XXXX XXXX XXXX XXXX XXXX. They denied that claim saying that there was not enough evidence & when i called to try & reopen it they said it wasnt possible. I filed a police report like they said, but in the end they gave me the run around & all they did was close the account & opened a new one up. So all documents are lost on my end. I would have been more on top of it but i was XXXX XXXX XXXX XXXX, & when he was born he needed XXXX XXXX XXXX & then the pandemic was starting to happen, I had lost my job because of it. There was so much going on, by the time we finally got home after everything I figured that {$900.00} is lost now. Fast forward to XX/XX/XXXX, I went to a baby shower, & I was about to XXXX myself money from my Bofa app to another bank account. ( I make at least 10+ XXXX transfers a WEEK ) but i decided to just pay using my bofa instead. I was still logged into the bank app because it automatically signs you out after a certain amount of time. I set my phone down for a second & Im guessing someone either saw me type my phones code in or just knows my sons birthday, but they got into my phone & sent someone named XXXX {$140.00}. I didnt even notice until the next day. Usually i get a text code whenever I XXXX  large amounts of money but there was no messages for that. He is also not on my contacts so i dont even know his number or email for XXXX. Whoever was on my phone deleted all of it. I called bofa to file a claim & they once again denied it saying that I consistently make XXXX transfers from the phone, so there is nothing they can do. When i filed the claim, i told them it was sent from my phone though but i did not authorize the charge, i dont even know who the guy is the money was sent to. They once again told me to file a police report, but its been over a month now & i know they wont reopen the claim once i do. They once again closed the account & put a {$880000.00} hold on it. So now im just wondering if there is anything I can do. this whole year feels like bofa has been robbing me. I have XXXX XXXX & XXXX they have never given me any issues for years. Im a single mom & Ive been out of a job since XXXX. I worked up until the day before I XXXX XXXX  just for it all to be taken away. Please helppp : (
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX Wells Fargo Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Mortgage acct # XXXX The following complaint is not limited to the factual statements found herein describing actual dated documented references concerning perjury and false Declarations in direct reliance to Wells Fargo on Court documents including This one and more to come. consecutively On or more specifically XX/XX/XXXX the Defendant XXXX XXXX XXXX Submitted in the Circuit Court of the XXXX Judicial Circuit in and for XXXX County CASE # XXXX ( XXXX ) DEFENDANTS PRO-SE MOTION. 
TO DISMISS COMPLAINT against Wells Fargo on the following grounds stated. 

1. On XX/XX/XXXX. Plaintiff filed its foreclosure complaint 2. Plaintiffs Foreclosure Complaint is fatally defective in that it is not verified as required by Fla. R. Civ . P. 1.110 ( b ) That rule provides that When filing an action for Foreclosure of a mortgage or residential real Property, the complaint shall be verified. When verification is required. 
The document filed shall include an oath, affirmation or the following statement : Under penalty of perjury, I declare that I have read the foregoing and the facts alleged are true and correct to the best of my knowledge and belief 3. Plaintiffs Complaint contains the above statement. Furthermore, an individuals signature and printed name. XXXX XXXX, appear below the statement, without any notation as to title or relation to the Plaintiff. The individual swearing to this verification statement under the penalty of perjury does not identify himself as a representative of the Plaintiff or any other entity, for that matter. Without Identification as to entity, the verification is incomplete and therefore the Complaint Is unverified and should be dismissed. 

WHEREFORE, the Defendant hereby requests this Court to dismiss the Plaintiffs Mortgage Foreclosure Complaint with Prejudice. 



Sincerely : XXXX XXXX XXXX I certify that the above information is true and correct Please be advised That more complaints against Wells Fargo will be continued and pursed.
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

I 've received correspondence dated XXXX XXXX 2017 from XXXX XXXX ( Walmart M/C ) that had lowered my credit line from XXXX to XXXX based upon erroneous information about my credit profile. My credit profile is in good standing and the bank needs to readjust my account correctly. Pursuant to card act I was suppose to get 45 days in advance about the reduce credit line. This bank has overcharged me with over the limit fees, my limit is lower than my existing balance, and the monthly payments are twice as high. This bank can not charge me over limit fees, if my limit is lowered than my existing balance. XXXX XXXX has  violated my rights under FDCPA and they had impaired my credit score without allowing me the benefit of doubt to refute the deficiencies. I have never missed a payment, and I have sent more money on my account for 2 1/2 years. I refuse to pay on a card that has a reduced credit line, and wants me to pay {$110.00} per month on the reduced credit line balance when I was paying XXXX per month on the card.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (PA)

accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights.I am writing this complaint today trying to get this self? XXXX XXXX ( XXXX ) account off my credit report I do not recognize this account as well as it has a late payment on it which is greatly effecting my credit report. This will be my second time contacting the company about removing this derogatory account from my credit report. I would like for this account to be taking off of my credit report across all three bureaus as soon as possible.U.S.C 1681 section 602 A. States I have to right to privacy. As well as there are two inquiries on my credit report that I did not apply for XXXX XXXX, XXXX, XXXX
Consumer complaint received 2017-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I received a collection letter from General Revenue Corporation dated XX/XX/XXXX, I sent a dispute letter via. registered mail on XX/XX/XXXX. They in turn sent me some of the information I requested, notably the signed contract on XX/XX/XXXX. I then sent them a certified letter finding the debt invalid per paragraph XXXX of the contract ( see documents ). I next received a " FINAL '' collection letter dated XX/XX/XXXX, since my letters and phone calls have gone unanswered I have no other choice than to file a complaint. I have included the " FINAL '' letter from GRC, the contract page with the paragraph and law ( 42 CFR 57.211 ), and the disability letter from the department of education, as well as the return receipt finding the debt invalid.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

On XX/XX/2020 Sears Mastercard close my account after receiving payment of total balance outstanding. The reason given by Sears Mastercard was information received from my XXXX  Credit Report with incorrect information from XXXX XXXX in dispute. I contacted Sears Mastercard via telephone and email on XX/XX/2020 to inform them that my intention was to reduce my Credit Card Utilization. I requested an appeal to have the current credit limit reported to the credit bureaus.
Consumer complaint received 2018-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/XXXX, XXXX reverse was done for a temporary credit for a claim I filed, when I filed the claim it was in time frame but was told when the back end department got around to the case it was out of time frame, I been calling about the dispute no one could answer then I found on my message page once I logged in Resolved I called about this and asked what was out come was told it just states resolved and this was in XXXX, however still no more information was sent to me. So XX/XX/XXXX, thy then reversed XXXX without me knowing this wasnt giving a notice that this would be done When I called theXX/XX/XXXXwas told on XX/XX/XXXX the department states it was to late for them to help me. However why I wasnt notified about this at all just notice thy reversed XXXX from my account and said I cant do anything about it.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, XXXX, I obtained a copy of my XXXX Credit Report which showed Capital One had ran XXXX requests for credit history information. These inquiries started on XXXX XXXX, XXXX. This was excessive so on XXXX XXXX, XXXX, XXXX XXXX an employee of Capital One, was contacted. He stated credit inquiries are ran as new applications for credit is received. On XXXX XXXX, XXXX, XXXX an employee of Capital One was contacted, she stated that once approval has been given additional credit inquiries are not needed, However, your payment history will be reported to the credit bureaus. On XXXX XXXX, XXXX, XXXX an employee of Capital One was contacted. XXXX stated additional credit inquiries will be made if additional applications for credit is received. I have not submitted any additional applications for credit in over three years. My account is current. If Capital One policy is to run credit inquiries when additional applications have been received, then constant inquiries into my credit history is not warranted.
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I received an invitation from HSBC bank to open a new checking account and if I make two bills pay for three month, I will receive bonds of {$370.00}. I went to branch and open the account back on XX/XX/XXXX. I met the requirements but I did not receive what I was promised. 
I called the XXXX # three weeks ago I was told we will investigated and get back to you in 24 hours. I never heard back. I stooped at branch I spoke with XXXX and XXXX the person who open the account for me. I was told it take three months after I met the requirements I told him that passed a few month ago. She called the XXXX # and was asked to submit a request to investigate the mater and I will get a call in a day or two. Two weeks passed by never heat back. I called again XXXX said that I did not meet the. I have been make bill payment more than XXXX times. Some one has to hold those people accountable for the misleading services. PLEASE SEE BELOW. 
XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX PYMT {$100.00} XX/XX/XXXX PAYMENT TO XXXXELEC PYMT {$59.00} XX/XX/XXXX DEPOSIT {$2800.00} XX/XX/XXXX ONLINE PAYMENT TO XXXX XXXX PROCESSED ON:XX/XX/XXXX REFERENCE NUMBER : XXXX {$460.00} XX/XX/XXXX PAYMENT TO XXXX-XXXX {$1400.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$65.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX {$84.00} XX/XX/XXXX PAYMENT TO XXXX ONLINE-PAYMENT {$250.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX-ELEC PYMT {$52.00} XXXX/XXXX/XXXX DEPOSIT {$2800.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$62.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$77.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$740.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$370.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$16.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$180.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$51.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$54.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$570.00} Debit ( - ) Credit ( + ) XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$200.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$540.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX {$360.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$570.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$70.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} THANKS