davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
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. (IL)

Transunion reactivated a settled account that had been settled XX/XX/XXXX by a Third Party ( XXXXXXXX XXXX XXXX XXXX ) originally XXXX  XXXX. Originally, I was told by Transunion through a phone call inquiry, this suddenly affected my last updated credit score because an amount of {$710.00} was newly reported as well as missing payments that had already penalized report two years prior. After investigating this through all companies involved it has shown as settled and resolved on my credit report since XXXX. The {$710.00} is in dispute as it was paid in full, however I do not have proof of payment due to the time that has passed and believing it was all in good standing. However, I have since found out XXXX XXXX did not change or report anything regarding this account nor did the third party collector. Transunion plunged credit score by 90 points with no change in status of this account or any other accounts listed on said report. 
All current accounts in good standing, zero poor remarks, zero late payments and zero hard inquiries. The closed accounts have not changed status in 2 years and Transunion unlawfully utilized a settled and resolved closed account to lower score significantly without any cause. 
Through this act, it brought attention to the fact that account was not at zero, regardless of result of dispute, this should not have affected current score as it has been listed as same on closed accounts for two years.
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

My wallet was lost/stolen on XX/XX/2020. I did not realize it until late XX/XX/2020. XX/XX/XXXX I made arrangements with my employer to travel to Florida to get my social security, drivers license, and new debit card. I reported it to Wells Fargo on Friday XX/XX/XXXX. On Sat XX/XX/XXXX I was called by Wells Fargo that I was in overdraft on my account. I was then informed that someone had cashed 6 checks of {$950.00} each ( {$5700.00} ) under my name and had been returned unable to locate/ altered fictitious. ( Cashing 6 checks would trigger a red flag. ) Therefore my bank withdrew {$5700.00} from my account. I filed police report on XX/XX/2020. Wells Fargo initiated their investigation and I was informed today that they closed the investigation and found " it was made by you or someone who had your permission ''. My wallet was taken that had ALL my identifications. The checks were cashed in XXXX XXXX while I was at work in XXXX, South Carolina.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CO)

Today, Friday XXXX XXXX, 2017, I discovered that my personal information, including social security number, was leaked in cyber security breach at the credit agency Equifax. This shows, at best, incompetence, and at worst, negligence in regards to the company 's duty to safeguard consumer personal information.
I also learned that this breach occurred some time ago ( about one month ) and those of us affected were not notified in a timely manner.
Consumer complaint received 2017-08-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: YES AUTO CREDIT (OK)

i applied for a XXXX XXXX XXXX in XXXX of XXXX and it is now XX/XX/XXXX i put XXXX down on a down payment i have never received a title each time the tag has came up to the expiration date i had to go to the car dealership and recontract every single time and the loan still did not go through and now he is wanting me to put XXXX more to the down payment which was XXXX dollars months ago due to my XXXX XXXX being lower from the first time we ran it he keeps having me recontract so now i gave the car back and asked for my down payment back and his response was i can not give you your down payment back because you have been using the car since you got it which does n't make sense because it was not my fault it was theirs..
Consumer complaint received 2023-01-28
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: Resurgent Capital Services L.P. (AL)

Around 2021, I disputed the negative information LVNV Funding LLC in the amount of {$1000.00} falsely reported. I also went to court involving this matter and to have this information remove from my credit report. The judge ruled in my favor and the information was deleted. Now this information reported again. This collection agency is reporting debt that doesn't belong to me. I never had any obligation to this collection agency, nor have I conducted any business with them. This information is taunting my credit report. Please have this information removed from my credit report.
Consumer complaint received 2023-01-28
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: AMERICAN EXPRESS COMPANY (GA)

See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting to credit reporting bureaus. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for XXXX XXXX against you. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Equifax makes the process to obtain our free credit report deliberately so difficult it is practically impossible to do so, after 5 attempts, I finally received a notice saying online delivery was not available. No options of contacting them was given. 

I will submit the paperwork to obtain my report via mail which I assume will take 4-5 weeks to be processed also putting my personal information at risk. 

The federal government should hold them financially accountable for not living up to their promises in any way.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (OR)

Impacted by Equifax security breach. My information has been compromised due to insufficient security measures. My information is collected by this company without my consent and sold. Now it 's also been stolen by unknown actors.
Consumer complaint received 2017-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

two wire transfers were done yesterday and neither one is in my coinbase account yet Pending ACH Debit ORIG CO NAME : COINBASE.COM/BTC CO ENTRY XXXX SEC : WEB IND ID :  XXXX ORIG ID:XXXX Link to more information in a new browser window. {$5000.00} Pending ACH Debit ORIG CO NAME : COINBASE.COM/BTC CO ENTRY XXXX SEC : WEB IND ID : XXXX ORIG ID:XXXX Link to more information in a new browser window. {$5000.00}
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

The equifax data hack that caused the loss of my personal identifying information that can be used to impersonate my identity and even take out loans without my awareness. That this data was stored in an unencrypted format and can be accessed in bulk is a failure on Equifax 's end, and that this information can be used without my direct involvement is a failure on the industry as a whole, as even my email has two step authentication.
Equifax 's solution to offer one free year of their paid service monitoring with an agreement to not pursue any lawsuits is nothing less than a profiteering exploitative insult, as the information that was stolen will be mine for the rest of my life. Not that the end of my life necessarily means the end of the problem, as there have been instances where a stolen identity has been used even after they the owner of that identity is XXXX.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2021 XXXX financial mistakenly charged my 5/3 bank account twice for my car payment {$1100.00} which made my 5/3 bank account over draft. Fifth third bank charged my account 5 times of the amount of {$37.00} once on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XXXX XXXX. On XXXX XXXX I was charged a extended overdraft fee of {$10.00} all totaling {$150.00}. My arrangement with XXXX is they only suppose to take out XXXX payment out of my account each mount for {$1100.00} automatically I don't know why they choose to take out XXXX payments for this amount. But Fifth Third bank is treating this like it is my fault they only refunded a portion of fees but they not going to remove the fact that I was even charged a overdraft fee which have damaged my account and removed some of the features I once had on my bank account like check cashing on the banking app. I want all my money back in overdraft fees. And remove the fact my account was overdrawn because this was not my fault. I will write a separate complaint on XXXX also for messing up my bank account. But I feel like 5/3 bank should not profit off XXXX mistake
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ORG GC GP BUYER, LLC (AL)

My student loan is handled by XXXX of Texas. My XXXX XXXX is been garnished and also IRS has sent them, XXXX of my taxes. I filed this from XXXX in full these was added to XXXX. No one can tell about these monies. My balance of my student loans are XXXX. In other words I have over paid them. And I need a letter from XXXX. XXXX. of XXXX letting me out this default loan. Seems I am paying two companies. Which I can not afford.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (DC)

Equifax mishandled my information, which has led to a breach that puts me and millions of others at risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no E-mail, letter, or phone call, and instead had to discover it via social media.
Consumer complaint received 2021-06-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (FL)

On XX/XX/XXXX, Consumer Adjustment Co. reported this account as " collection ''. At this point I had received nothing in writing from this company. On XX/XX/XXXX, I sent a request for validation pursuant to 15 USC 1692g. This letter was sent certified mail and received on XX/XX/XXXX. After consumer Adjustment Co received my request they sent me an offer to settle ( dated XX/XX/XXXX ). On XX/XX/XXXX i received another letter from Consumer Adjustment Co. to this date, I have not received any validation of the debt. Also, Consumer Adjustment Co. is not the original creditor.
Consumer complaint received 2020-07-11
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)

FTC Violations XXXX - CARD SERVICE {$2700.00} XXXX - CARD SERVICE {$5700.00} XXXX  XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

According to equifaxsecurity2017.com, my data was affected by the recent major hack of Equifax. Hackers supposedly have personal identification information such as my name, social security number, birth date, addresses, etc.
Consumer complaint received 2024-05-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (AR)

This is multiple dates, but from XXXX XXXX, everyday just about, I purchased at a total of {$280.00} from XXXX different transactions on products and shipment from a company called XXXX. But due to the company under investigation, they havent been at work since XX/XX/2024. I have requested refunds multiple times from the company, but they refused to give it to me, responding, you will have to wait until we go back to work, which I feel wont happen anytime soon. Its been XXXX months since this issue happened. So, I went to cash app to dispute all my charges. I went into so much detail, even went into full detail that wasnt even that necessary, and still get denied. I ask for documentation, and the documents doesnt tell me why its denied. Theres even a document that they sent that was unrelated to the company, or my account. They sent documents about a cosmetic company I never bought from, and it wasnt even my card number. Then, I went to the XXXX they did not do anything either.
Consumer complaint received 2017-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (CA)

About 1 month ago I called US Bank to inquire about a balance transfer offer I receive through their XXXX card. I was told the best way to use a check. I was mailed 10 checks and I used one of those checks and deposited {$12000.00} into my checking account. I paid {$360.00} ( 3 % ) in fees. I asked the agent 3 times if there was any interest involved and I was told that as long as I ay the minimum payment there are no interest charges until XXXX XXXX. Yesterday XXXX/XXXX/XXXX I noticed an interested charge of about {$130.00}. I called US Bank and I talked to supervisor XXXX where I protested the interest. I was told that it would take 2 weeks to decide if it was a bank error. I am very surprised, I was interested in the 0 % balance transfer and nothing else. I need help with this situation. This kind of balance transfer does not offer me any benefits.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

In XX/XX/XXXXI attempted to modify my 2nd mortgage with XXXX. I was told by a XXXX employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with XXXX stalled, I received the attached letter from XXXX stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. XXXX is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a complaint against Cash App regarding the closure of my account on XX/XX/2019, without any clear reason. The sudden closure of my Cash App account has caused significant inconvenience and financial distress. As a long-time user of Cash App, I have relied on its services for various financial transactions. 

In XX/XX/2019, my Cash App account was abruptly closed, depriving me of access to funds and hindering my ability to send or receive money. Despite numerous attempts to seek clarification from Cash App customer support, I have received no satisfactory explanation for the closure of my account. 

The lack of transparency and communication from Cash App regarding the closure of my account has left me feeling frustrated and powerless. I firmly believe that this action by Cash App constitutes a violation of my consumer rights. 

I request that the Consumer Financial Protection Bureau intervene in this matter to investigate the closure of my Cash App account and ensure that appropriate measures are taken to rectify the situation. I have attached relevant documentation, including communication with Cash App customer support, as evidence to support my complaint. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the reinstatement of access to my Cash App account. Please feel free to contact me at the provided email address or phone number if further information is required. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-01
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 (FL)

on XX/XX/XXXX i see a charge on my account of {$2300.00} from XXXX. 
when i contact XXXX to see what was this charge from, XXXX advise me that my debit card was attached to a different XXXX customer and used from this person. 
with the XXXX agent we found out more than 50 transactions was debit from my bank account between XX/XX/XXXX and XX/XX/XXXX. 
i contact my bank bank of america and explain the situation and open a claim, after 10 days they reject the claim because it was too long on the time i ask them to reopen the claim again, with a email from XXXX, saying that my debit was used by unauthorized user. also i explain to the bank why i didnt monitor well my bank account last fews month because i was very sick on bed because of the covid. also i have a XXXX account myself and during this time i was ordering also, so i didn t detect my order and the fraud .. 
we send the bank all the fraud transaction and they reject a second time. 
i contact amazon many times to ask them to reimbourse me, they have all the proov and information of the person stoll my card. 
XXXX didn t want take them responsabilty also they ask me to do a police report and send them, its what i did on XX/XX/XXXX i send them, and no response i went back to the bank and reopen the claim, reject again. 

the total amount of the injurie is more than {$4500.00} i dont know what to do more, i really need to get back my money please help me XXXX XXXX
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (OR)

My social security number, credit information, and other sensitive data was breached from the Equifax breach. This hack happened much prior to their acknowledgement and I received no notice from them. Offering 1 year of credit monitoring in exchange for agreement to no class action lawsuits is not a fair solution to their lack of cyber security nor their silence for weeks after the breach.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out to file a complaint due to the unauthorized inquires on my credit file. They are fraudulent and not mine. 
I have sent in a FTC report via mail but also attaching it here. 
As a consumer, I know my rights per the law and aware that anything regarding identity theft should be deleted.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about XXXX XXXX XXXX Bank of America charged my atm debit card {$150.00} for a charge I believe was wrong. I put in a dispute with the bank to be told that it was a legitimate charge by XXXX. Within and right before the 90 day period of the bank being able to take the money back they did so right before the cut off date. The day that this happened I found my atm card in another area of my wallet. When I called to talk to the bank they told me it was a legitimate charge, but I know that was not the case. They blamed it on XXXX. I've also had a lot of fraudulent bank or atm charges on my account that for some reason I have had a difficult time disputing. Phone hanging up, etc. This has been ongoing for me for quite a while now with no relief in sight.