davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (IL)

I'm having financial difficulties keep a positive balance in my Cash App account. Every other day, week, or month my account is compromised with negative balances on the company 's behalf and every time I reach out to find a resolution, I get hung up on or the run around with the chat support. This most recent incident has put my account in a negative balance of - {$15.00} due to a bank transfer that supposedly took place Friday, XX/XX/XXXX, at XXXX. They 'returned " the money that was never there, causing the infraction to my account. I reached out numerous times in the app and on the phone, only to be ignored, hung up on, and threatened by the agents at their offices. Previous to this, there was a transaction from XXXX in XXXX of XXXX with a provisional hold of {$25.00}, I was supposed to get the {$20.00} back from that transaction but I was laughed at and threatened at that time as well. As I type this complaint, no resolution has been found. I'm following the chain of command on this before I initiate a class action against Cash App because at this point, they are getting out of hand with the constant banking fraud, that is seemingly unchecked.
Consumer complaint received 2019-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Circle Internet Financial ()

On XXXX XXXX I did a login to www.poloniex.com ( Poloniex XXXX, XXXX, MA, USA with NMLS ID : XXXX ) I got a 2FA code to my registered email and was successfull in my " Dashboard ''. 
My bank account from Poloniex got XXXX confirmed last year. 

I started to payout XXXX Ethereum ( ETH ) and XXXX Bitcoin ( BTC ), which was XXXX ( XMR ) before I exchanged those coins to BTC. 

Both, ETH and XMR were selfmined with my private computers and for a wallet address to store those coins I was using the service of Poloniex LLC. 
On XXXX XX/XX/2019 ( XXXX CET ) I got a message, that for security reasons my transactions are canceled. 
I have to log in from a known ip address. 
I can not serve this option, while my ip address will change from time to time ( dynamic IP from my local ISP ). 
Then they answered after hours I have to login to the App. I refused this and was not happy, but anyways I tried it with the App while it was already installed since last use of Poloniex. 
Suddenly my account was downgraded to unconfirmed, without any reason. 
I have to KYC verify again. I have no more view of my login, coins, wallets or anything In some days on XXXX XXXX Poloniex is leaving the US markets with a new founded company in XXXX.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

1. Equifax has blocked access to third parties such as XXXX and XXXX from accessing my credit report in order to provide me with credit monitoring services. Even their own service, " XXXX '' fails 99 % of the time. This is incredible as they just recently leaked my information in a security breach and i need to monitor my credit now more than ever. 
Proof : See attached .pdf files showing multiple sites with error / unable to pull EQUIFAX only. 
- 2. Equifax has purposely removed ALL my authorized user accounts from my credit file as a punishment for submitting disputes on accounts they are reporting inaccurately. 
Proof : Ask Equifax for my credit report before and after i submitted bbb and cfpb dispute to them. Ask them if at any time i requested these be removed? Answer is No. I have asked the creditors and they confirm they still report the information to Equifax which means that Equifax is excluding the information from my report. CRAs are required to comply with FCRA 607 ( b ), which mandates : " Accuracy of Reports. Whenever a consumer reporting agency produces a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concering the individual about whom the report relates. '' If a CRA is receiving information from a given furnisher, and yet subjectively refusing to include it in credit reports they issue, then they must have some reasonable basis under some provision of the statute or regs for doing so, such as the credit report exclusion provisions for adverse items that have exceeded their credit report exclusion date. 
- 3. Equifax has excluded " secured '' credit cards from reporting on my credit file Proof : I have 2 secured cards, one through XXXX and one through XXXX. Both confirm that they report monthly to Equifax. Yet of course, it does not show up on my Equifax profile. It shows up on XXXX  and XXXX with no problem. 
- 4. Equifax continues to report inaccurate and incomplete information. 
Even though i filed for bankruptcy and have advised Equifax, and Equifax knows, they still report accounts with Chargeoffs and balances. And YES, i  have confirmed that the original creditors have notified Equifax to correct the information. 
- 5. Equifax ignored my demand for corrections Proof : on XXXX-18 i sent them a dispute and i also faxed a copy to the cfpb. I have attached the document that was sent as well as the fax confirmation it was received. This is not the first time, this is probably the 4th or 5th time and i have allowed them more than enough/reasonable time to address the items in dispute. I have even emailed the President of consumer services, XXXX XXXX at XXXX on XX/XX/XXXX and received no response or acknowledgement. 
- 6. Equifax ignored my BBB dispute Proof : I have attached this as well. It has been 35+ days and they didn't even acknowledge what i filed with the BBB.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was charge for and Unothorize Transaction From XXXX   and I never authorized this transaction with XXXX for the amount {$240.00} I never purchased anything with XXXX   and I made a Dispute with Capital One Credit Card and the charge was Reversed and the transaction was Rebill and I never made this transaction with XXXX   and this is Fraudulent.
Consumer complaint received 2018-03-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (NY)

As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan was paid off by an insurance claim in XX/XX/XXXX,  along with a short fall payment from my personal checking account. Santander Consumer USA is maintaining a charge off with a balance even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any XXXX filing with the Securities & Exchange Commission. I am a member of the XXXX Community that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full. In addition to this FDCPA claim. 
In addition, the vehicle loan was purchased by Santander Consumer USA from XXXX XXXX XXXX XXXX, but there is never a cut off date from the original lender on the assignment date or purchase of debt date. A recent Supreme Court case called XXXX XXXX XXXX   XXXX XXXX, XXXX may have ruled in favor of XXXX XXXX XXXX, XXXX as far as purchasing of debts bypassing FDCPA guidelines as a debt purchaser, XXXX   XXXX XXXX, XXXX had never given adequate notice that the debt was actually purchased from the original lender, and since that criteria was never established, the negative reporting against me was never legitimate. 
The payment history was cut off by at two years, whereas my payment history starting XX/XX/XXXX does not show late payments within the first two years of procurement. This was done to to re-age the payment history based upon the 7-year rule under FCRA. Across the board, both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX are in violation under FDCPA and FCRA. 

Now XXXX XXXX XXXX, XXXX has blemished my credit beyond the FDIC Rule 5000 sub-standard protocol. My position is solid for a federal lawsuit based upon a national bank violating my rights of proper disclosure and legal reporting requirements. 

The credit items must be deleted by both XXXX XXXX XXXX, XXXX and XXXX   XXXX XXXX XXXX.
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (NJ)

I am not liable for this debt with XXXX XXXX  XXXX and I do not have a contract with NCA plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$540.00}
Consumer complaint received 2021-08-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

14. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-10-20
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. (LA)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2018-01-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUITY LOANS LLC (MD)

In XXXX of XXXX, I was denied a loan by Equity Prime Mortgage, NMLS # XXXX /NMLS # : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX. At the time of denial, I had a credit score that exceeded the minimum requirement to obtain their product. DTI ratio requirement met. Proof of income, and proof of ability to repay. Subject property also met financing guidelines.The company did not provide the reason for the denial nor attempted to advise on how to obtain approval. I felt discriminated against because I met all minimum requirements to obtain a loan. 

The company may have changed names during this period.
Consumer complaint received 2017-12-30
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: Experian Information Solutions Inc. (PA)

Experian has a {$770.00} written off there is nor any money written off. 

There is no where from XXXX XXXX that states I owe any money. By XXXX letter it states there are no further amounts due on the above account. 

Experian did not address what I stated in which is the {$770.00} written off that shows by Experian.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XXXX XXXX XXXX i went to a Bank of America ATM located XXXX XXXX XXXX XXXX XXXX IL XXXX and deposited {$7500.00} into the ATM. ATM XXXX XXXX. I inserted my debit card out my PIN number in hit deposit cash and inserted XXXX XXXX dollar bills. The machine accepted the money and kicked back an old {$100.00} bill. I took that old XXXX dollar bill back and inserted another {$100.00} dollar bill. After inserting another {$100.00} the atm machine freezes and cut off rebooting itself once the atm powered back it said ATM temporarily out of service and my debit card was ejected from the ATM. I left my car parked at the ATM to prevent another customer from using atm while i went inside the branch to tell them about the transaction. I was told by the banker XXXX XXXX that i had to call the number on the ATM and make a claim. I return to my car and call the number where Im speaking with an automated system. I move my car the ATM is back up and working i go bank inside the branch to get help making the claim. The banker directed me to the option to speak with a live agent. I was on hold for 40 mins and made the claim. Im not sure the exact time of the transaction but it was between XXXX and XXXX. I was told when i made the claim I would receive a temporary credit after 2 business days of the XXXX while the claim gets investigated. Tues morning i did not receive any funds and my account was negative due to debits hitting my acct. i called again and was told per federal law they had 10 business day to before i get a credit. I called a could days later and each time i called i spoke with someone from a different state and with every person i spoke with and got different information regarding the claim. I have been faced with a financial hardship due to not receiving my money and all my bills being returned and unpaid. I expressed to the call takers that was the reason for the atm deposit to cover my XXXX bills. I have never paid any bills late or missed a payment and all my bills are still unpaid and i only been getting told its nothing they can do i now at a XXXX day wait with no answers in regards to my money. I was told on XX/XX/XXXX that when i initially made the claim on XX/XX/XXXX that the claim was never investigated and they would reopen the claim. As of today XXXX XXXX XXXX i have not got answers regarding the claim nor have i received money. Also my ACCT has been since closed. Please help me recover my money because Bank of America has put me in a financial bind.
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (UT)

In XXXX of 2022 I switched my cellular phone service from XXXX  to XXXX. XXXX had gone out of business it was now part of XXXX My service was horrible so I switched over. I went into XXXX and cancelled my service. I paid everything I owed them that day in order to make the switch. I never received any bills, emails, or notice of any kind that I owed XXXX  any more money. Last month I traded in my vehicle for another. The dealership checked my credit and said there was a debt I owed XXXX  that had gone into collections. Yesterday my ex wife had a notice of a debt that I owe to XXXX  from receivables performance management , LLC located in XXXX, WA. They claim I owe XXXX  {$400.00}. They gave me a number and said that if I didnt contact them by today they would assume their information is correct. I have tried calling the phone number they provided multiple times and its just a bunch of advertisements for me to decline. Then when I finish listening to 10 minutes worth of ads the robot lady on the phone asks what company Im trying to reach. I say receivables performance management , LLC and she says I dont recognize that company, try calling XXXX. I have called that number and its a company trying to sign me up for direct tv. I have also emailed them at the address they provided and have had no response. I would like them to quit contacting me and to remove this debt from my credit. XXXX no longer exists and I canceled it, as I said, in XXXX of 2022.
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (CA)

This company has repeatedly attempted over the past 8 years to collect on a debt that is more than ten years old according to there own records and simply harass me when I asked to see proof of the debt. At the time I was certainly sure I had blue cross. I also was the victim of id theft on three credit cards and my social security card along with my id taken from a XXXX in XXXX. 

Nevertheless, I have asked this very aggressive company to provide proof of the debt and the have only threated to call my work if I did not begin to make payments. " My other number ''
Consumer complaint received 2017-12-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (CT)

I was paying my payments for the car at first for the first four months until I was fired from my job due to me being in the wrong place at the wrong time. I struggled all year to find a job while XXXX my grandmother due to XXXX XXXX, and I tried to reach out to Westlake Financial for some sort of help on lighting my monthly payments. I did not get in contact with Westlake and nor did they seem like they would be interest in helping me.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I pulled my credit report recently and I have information that is inaccurate. I wasnt also able to pull my XXXX and XXXX. This is the second report that I have filed cfpb.com has supposedly lost the first filing i have spent 2 days on the phone even receiving a email from you to send a respond and I did and still no respond. So I am filing again. 
My name is spelled multiple ways and there are several addresses which will be listed below that do not belong to my possibly a relative or the information numerically are incorrect. I have multiple phone numbers on the report which are not mines. Accounts that should have been included in my bankruptcy that are not. And multiple hard inquires that I have not done business with that need to be removed this is a serious error and its costing me thousands of dollars in interest fees and denial letters because of inaccurate information and not properly reporting I am in distress the items listed below need to be removed immediately. 
addresses : XXXX XXXX XXXX XXXX # XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXXXXXX XXXX XXXX MT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL telephone numbers that are inaccurate : XXXX ) XXXX XXXX ) XXXX employers that are incorrect : the XXXX XXXX and XXXX need to be removed accounts that are inaccurate : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HASNT BEEN REMOVED SHOULD HAVE BEEN INCLUDED IN BANKRUPTCY CHAPTER XXXX BANKRUPTCY IS FILED INCORRECTLY ITS NOT INCLUDED ALL THINGS THAT WERE PAID AND AGREED UPON 13 HARD INQUIRES AND 9 OF THEM I HAVE NOT DONE BUSINESS WITH AT ALL OR HAVE NO KNOWLEDGE OF THEM.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

My bankruptcy was discharged on XX/XX/XXXX and One Main Financial was included in the debts that were discharged.  They sent an email on XX/XX/XXXX about the debt but the email was for informational purposes only ( per their statement ). I called them on XX/XX/XXXX and told them to stop sending me emails because the debt was discharged. 
On XX/XX/XXXX I received a letter from One Main Financial dated XX/XX/XXXX about my accounting activity and having a Principal Balance as of XX/XX/XXXX of {$4400.00}.
Consumer complaint received 2017-12-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (VA)

My name is XXXX XXXX had a car loan with chase bank I was hurt and out of work the payment fell XXXX months behind they repossessed the car on XXXX XXXX they claimed they had been looking for weeks it was in my driveway every day when they came to repossess the vehicle I willing handed them the keys because I knew on XXXX XXXX I could finally pay in full and be current again I called chase the next day on Thursday to find the total amount and informed they I will be bringing everything current on XXXX the XXXX that Friday the agent said I could only get the car back if I paid the XXXX loan in full talked to a supervisor he said the same thing and if I could not pay the full balance on XXXX XXXX XXXX I would now be responsible for the difference between the sale and balance owed that is not right I tried to avoid the situation bring the loan current now that I was back to work but they declined fine but you can not hold me responsible for the balance of the loan if the sale price does not cover it because I attempted and asked repeatedly to let me bring the account current and continue payment as agreed they refused I want them to to not hold me responsible for their decision to not take my payment and continue the loan that was their decision and it should not effect my credit